Toronto Archives - The Costa Group
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Toronto Tag

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...

People who work for themselves often run into problems in the mortgage market because income is variable and unpredictable. As of October of last year, buying a home became easier for the self-employed to secure a mortgage. According to CMHC, the self-employed make up about...

Are you currently working as a mortgage agent for a bank? Would you ever consider making the transition from the branch to the brokerage? There are many advantages in taking this step. As usual, we like using real life examples to demonstrate each topic we...

If you are new to Canada and are looking into settling in this country, you may want to consider purchasing a home. The first step you should take is informing yourself about the rules and conditions that apply to your situation. It may seem a...

You are planning to get a mortgage and you hear for the first time that a credit report is required for your lender to see if you have good credit or not. How does this affect your application?  The first thing you should know is a...

An assumable mortgage is a mortgage that may be transferred without changing the terms of the original mortgage. What does this mean? What does it involve? It is a financing agreement in which a seller transfers the terms, the interest rate and the remaining mortgage...

Imagine this scenario: you are applying for a mortgage and you just found out you will not qualify on your own. So, what to do? Most people start reaching out for any option. Can they get a co-signer? Should they get a guarantor? As mortgage...