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Category: Mary's Mortgage Musing's (10 posts)

  • August 16, 2016 @ 7:33 PM
  • Posted by Mary Poburan

A Gift of Down Payment

  Down payment in many cases can come from a gifted source. You will still need to have some of your own money saved for closing costs such as legal fees, tax adjustments and moving. Lenders don

  • August 9, 2016 @ 10:49 AM
  • Posted by Mary Poburan

PDF's Please...

    In an electronic age documents are now mainly provided via email as even Faxing is taking a back seat to document delivery. It is amazing how many documents I receive in Jpeg format an

  • July 13, 2016 @ 4:50 PM
  • Posted by Mary Poburan

Solving The Income Puzzle

Solving The Income Puzzle...   Proving income is going to continue to get harder as lending rules evolve. Very rarely do we see the standard 40 hour work week with no variance in pay anym

  • July 7, 2016 @ 5:30 PM
  • Posted by Mary Poburan

Don't forget to pay that cell phone Bill!!

Guard your credit! Recently Equifax introduced a new scoring system for a client's credit history. It is rewarding good credit with excellent scores and weaker credit with less than favorable scores

  • July 7, 2016 @ 5:28 PM
  • Posted by Mary Poburan

Hang on and Enjoy the Ride...

It's been tough start to the summer when it comes to lending...a new Equifax scoring system introduced recently, has created some challenges for borrowers who have bruised credit. What was previousl

  • February 9, 2016 @ 8:02 PM
  • Posted by Mary Poburan

The Offer is signed and Accepted and Now its up to the FINANCING!

The offer is Signed and Accepted and Now it is up to the FINANCING!!!   The Real Estate Market is an ever changing beast. In speaking with seasoned professionals, they tell me that they too str

  • September 9, 2015 @ 2:14 PM
  • Posted by Mary Poburan

The Bumpy Road home from Bankruptcy

Life is unpredictable and sometimes there are no alternatives to Bankruptcy. If that is your path, is there any hope to future home ownership?That is a tough question to address. The rules regarding f

  • October 17, 2014 @ 7:06 PM
  • Posted by Mary Poburan

Tax Adjustments...What are They?

TAX ADJUSTMENTS...What are they?In Alberta we are very fortunate to have minimal costs when buying a home. Part of the approval process includes verifying 1.5% in Closing costs and thankfully apart fo

  • May 1, 2014 @ 7:26 PM
  • Posted by Mary Poburan

Challenge of The Day

Challenge of the Day...INCOME CONFIRMATION: How do you get paid? Do you receive a Salary or a wage? How long have you been working in the capacity that you are in? Did it change? When?Do you have gu

  • February 11, 2013 @ 5:45 PM
  • Posted by Mary Poburan

If At First You Don't Succeed....Call A Broker!

If At First You Don’t Succeed….Call A Broker!                   Ideally this should say, “If you wa