What is Title Insurance?

Thank you to FCT Insurance Company Ltd. for providing this information. What is Title Insurance? Title insurance protects you, the homeowner, against losses associated with title fraud, survey and title issues/defects,as well as challenges against your ownership (title to the property). Title insurance is unlike traditional insurance products — it does not just cover things that … Read more…

Lending Differences

Lending differences are based on the assessment of risk in a mortgage application. When you apply for financing, lenders will approach your application in one of two ways:  income qualifying or equity (also called stated income). In the income qualifying category or “A” lending, your personal application and the subject property meet the bank’s lending policies in every way. … Read more…

Refinance

Why refinance? The simple reason is that life happens! Sometimes life presents itself with unexpected opportunities or challenges. These life events can often impact us financially, and then we are faced with important decisions. If you own your home or other real estate, sometimes a refinance can help you with the decision-making process. A refinance … Read more…