Have you ever heard of a consumer proposal? My client called me two weeks ago and she was ecstatic. She was so grateful that we’d referred her to Sands & Associates. In fact, after she told me her story, I was excited. I was also amazed with the results of the debt settlement. Instead of [...]
Those of you who know me, know that athletics and fitness has always been a big part of my life. I was at the gym this morning with my wife and we were both observing one of the personal trainers with their client. Watching him train his client with obvious poor technique, made me think [...]
Did you know Beacon scores can range anywhere from 300 to 850? Reportedly, only 13% of credit scores exceed 800, and only 1% achieve a perfect score of 850. Typically, the higher the score, the lower the risk to default in the lenders mind. The scoring is computer generated taking into consideration the following 5 [...]
Today is day one of the government’s new mortgage rules. Here’s a quick video rundown on qualifying rate…. QUALIFICATION RATE The biggest rule change affects borrowers who put down less than 20% and want a variable or 1- to 4-year fixed term. Yesterday, you might have qualified for a high-ratio $250,000 variable-rate mortgage with a [...]
