Recent Blog Posts by Szabolcs Pall

Want 0% down?

Did you know that there are some lenders that are still able to offer 0% down financing?  If you can come up with at least 5% (gifted, borrowed or put on credit), you get that money back at closing in the form of cash back.  The cost to you is a small increase in interest rates, as you forgo the security of having the lowest rate, for the ability to get into a house before you save up ...

How to buy a home with 0% down

Did you know that you can still get financing for up to 100% of your home?  There is no getting around the 5% down payment required by CMHC, but some lenders will give you the 5% down payment if you are willing to take on a higher interest rate.   Don't forget though, that for non-owner occupied or investment properties, you now need a 20% down payment as part of the new mortgage rule ...

U.S. Market our market?

I've been getting a lot of questions about the state of our housing market, and the potential ripple-effect coming from south of our border.  There are some frightening things happening there (consider the recent $700B bailout proposal of the financial sector), that we are insulated against, as a result of tighter lending practices and more control over the sub-prime market.   While close ...