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Honoured to be rated among Top 3 Best Mortgage Brokers in Burlington!

mortgage_brokers-burlington-2018-drk

I truly love what I do, so being recognized as a top performer is just icing on the cake for me!

I’m honoured to be named among the Top 3 Mortgage Brokers in Burlington by Three Best Rated®, which identifies a city’s top three local businesses, professionals, restaurants and health care providers.

Continue reading “Honoured to be rated among Top 3 Best Mortgage Brokers in Burlington!”

Darryl Sittler made his fortune in Real Estate… not Hockey!

RRSP home buyers plan

A few years back, I had the privilege of hearing one of my childhood idols – former Toronto Maple Leafs captain, Darryl Sittler – speak at a Real Estate Investment Network (REIN) meeting.

In case you haven’t heard of REIN, let me share some details about this group of real estate investors that gets together to network and share valuable information affecting real estate in Canada. The leader of the group is Don Campbell. His approach to buying investment properties has proven to be very sound and profitable. In fact, his “Top 10 Best Cities to Invest” lists are legendary! Continue reading “Darryl Sittler made his fortune in Real Estate… not Hockey!”

I’m getting divorced. Should I keep the family home?

Divorce Image, March 2018

You’ve heard the stats: 1 out of every 2 marriages fails. Actually, I think the number of failed marriages is even higher now. Wait, let me rephrase that. A marital split is not a failure. I think that’s old-world thinking. A marital split is usually a positive move for all parties involved – for the spouses who are no longer in love and the kids who don’t have to see an unhappy married couple.

Marital splits can be a very emotional and difficult time in one’s life – especially when there are kids involved. There’s always one parent who wants to keep the house because the kids grew up there or have friends there or it’s just more familiar to them.

Having worked on 8,000+ mortgage applications at this stage in my career, I’ve witnessed my share of separations and divorces. I’m going to share what I’ve seen – a financial and personal perspective on marital splits.

Continue reading “I’m getting divorced. Should I keep the family home?”

Credit counselling, Consumer proposal or Bankruptcy… Which option is most favourable?

Debt Image, March 2018

A couple in their 30s contacts me for a mortgage. They want to buy a new home. She’s a high school teacher and he’s a computer firm manager. Incomes are good. I check their credit.

Let’s stop here for a minute… If they have good credit, an approval is simple and we can provide the clients with several mortgage options.

But let’s assume that this couple ran into some debt and credit issues three years ago… and they made three different choices about how to resolve those credit problems: 1) Credit Counselling; 2) Consumer Proposal; or 3) Bankruptcy. I want to take you through each scenario and show you how long each of these three options affects your ability to finance a home. I bet the results will surprise you! Continue reading “Credit counselling, Consumer proposal or Bankruptcy… Which option is most favourable?”

Mortgage Awards of Excellence Marketing Campaign of the Year Finalist!

Steve Garganis Marketing Campaign of the Year Badge - Mortgage Awards of Excellence 2018

I’m honoured to be named a finalist for Marketing Campaign of the Year at the inaugural Mortgage Awards of Excellence 2018 for this news site!

Thank you to my amazing clients and loyal readers!

Winners will be announced live during the awards on May 3, 2018. Regardless of the outcome, I’m thrilled to be named a finalist for something I truly enjoy doing

This site continues to evolve because you want to learn more about the mortgage industry, and you have trusted me to offer facts and my true opinions since I started this site in 2009.

I enjoy helping educate Canadians on the value of using a mortgage broker when making among the largest purchases of your lifetime – buying real estate!

Continue reading “Mortgage Awards of Excellence Marketing Campaign of the Year Finalist!”

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