GTA Tag

Many of our blog posts have addressed closing costs when it comes to the home buying process. We’ve also mentioned the Purchase Plus Improvement program and how homeowners can benefit from it. However, there is another group of costs homeowners sometimes underestimate: home improvements. According...

So here we stand, at the beginning of the century's third decade, and for us at The Costa Group, things have never looked more optimistic. The shift in the latter part of 2019 to be independently owned means we are now in a better position...

How are prepayment privileges calculated? A mortgage prepayment privilege gives you the choice to increase your monthly mortgage payments  before it is due and without a penalty.  The extra amount is applied to the principal. If you are under this type of privilege, you can...

You know by now how important it is to get pre-approved for a mortgage. You also know it can be difficult to accomplish due to the number of “items on the check list”.  One of the many documents a lender analyses before agreeing to give...

We’ve said this many times: buying a home is perhaps the most important purchase of our lives. So, wouldn’t you want to know everything about it before you sign the papers?  This is where a land survey is very important.  Yes, a home inspection can tell...

You have purchased a home. The moving day is fast approaching. Have you considered all the costs? We decided to write this blog post to help every homebuyer budget for the costs - the obvious and the hidden ones - related to moving.  What are the...

The home buying process can be exciting and very stressful at the same time. You know, you are preparing to make perhaps the biggest investment of your life and you want to make sure you get the house of your dreams that you work so...

Dear readers, This week’s blog post is - again - another letter from me. As we take the first steps into this new adventure, I am very excited to share with you what we are doing as a team to ensure we achieve our true potential...

Dear clients (and readers), I have decided to create this week’s blog post as a letter to you all. The reasoning is simple: I believe in building relationships with everyone I work with and I like to add a personal touch to all the work I...

Ever since its implementation in January 2018, the mortgage stress test has been itself a source of stress for many potential homebuyers. Now, anyone who needs to qualify for a mortgage from a regulated lender needs to take this test. Again, just to review, this...