Category Archive for "Financial"

Mortgage Broker vs. Bank Specialist

Ryan Coffey

At some point during the first conversation I have with every Buyer I ask if they are pre-approved with a Mortgage Broker. I consider this absolutely crucial for reasons I go into in the link above. I also tend to steer…

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buy a home

Five things you should not do before you buy a home

Ryan Coffey

So you have decided it is time to buy a home. Congratulations, you have made a wise decision. Planning ahead is crucial to buying a home, particularly if you don’t have extensive financial resources. Since mortgage lenders will be sizing…

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Tax Assessments are out and they’re not (really) accurate.

This post was written in 2011 to further an earlier version from 2009. The findings here have held true for the years since then so I am leaving the data and findings from 2011 intact rather than continually updating them….

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buy my first home

When Should I Buy My First Home?

Ryan Coffey

I don’t hear a lot of people asking me this question. It’s obviously an important question, but I think it’s because they realize that it is an invitation for a Realtor to use their magic mind control techniques to trick…

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Up Markets and Down Markets, When to Buy and Sell. (Part 1)

Here’s a question that I’m sure is on the minds of many people in any market: Q: “When should I buy a home?” A: “When you can afford to make the payments. No sooner, no later.” But a lot of…

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buy a home

Why You Should Get Pre-Approved for a Mortgage

Ryan Coffey

Buyer: “Hi Ryan, I’m thinking of buying a home in Nanaimo…” Me: “Are you pre-approved?” I’m actually not quite that direct, but this is one of, if not the first question I ask every Buyer I work with. Being pre-approved…

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Good Debt: Yes, There IS Such a Thing!

Ryan Coffey

Until now, I’ve always written about real estate for homeowners. I’m going to depart from that area for a change and talk a bit about real estate investment basics. This one is written for your average Joe who is richer…

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‘Purchase Plus Improvements’ or ‘How You Can Get a Newly Renovated House for Cheap’

I jokingly call some of the things Mortgage Brokers do “financial voodoo” because they have some really intelligent methods of making financing work that can seem a bit mysterious to those of us who are… well… not a Mortgage Broker….

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Is a five percent down payment your only option?

Ryan Coffey

This is the third video in a series where I interview Brad Rembold of Sand Dollar Mortgages and discuss some points regarding mortgage finance that are beneficial for most people to know about. Ryan Coffey

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First time Buyers: Planning your mortgage

Ryan Coffey

Here is another installment of a recent interview I did with Nanaimo Mortgage Broker Brad Rembold. In this video we discuss strategies for first time Buyers.

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