Colman & Associates
209-755 McGill Road V2C0B6 Kamloops, BC, Canada

What is a good credit score in Canada for a mortgage? Home News by Kandace Gallant 10 Dec 2020...Continue reading

6 smart strategies for first-time home buyers It's important to consider not only what you can afford now, but what you'll be able to swing if a baby comes along, your career goes off-track, or the property you buy needs a major repair. If you've been thinking about buying a house, you may be wondering how you'll know when it's "the right time." If you don't have a 20% down payment saved up, is it still OK to consider buying? If you can't afford your forever home, should you ...Continue reading

We still have options :-)

The hefty cost behind breaking a mortgage Eddie Chau June 7, 2020 Toronto SUN The COVID-19 pandemic has left a lot of people cash-strapped. Especially if there's no income coming in. The pandemic left real estate agent Kristina Barybina in a bind when she didn't have any money coming in. It forced her to sell her house....Continue reading

We are still open for business. Why visit the bank when we can help you with your mortgage over the phone. we have online signing that you can control from the safety of your own home. We are here to help in this crazy time. We can help with your mortgage renewals, refinancing and even purchases. Feel content that you are being taken care of by a mortgage consultant with a variety of solutions for your individual situation. Please call us 250-377-8874 we are answering.

SCAN WITH YOUR CELL! Here’s a great tip in case you need to scan a document or need your clients to send you documents. iPhone users: go to NOTES and hit the ...little camera button. It will give option to scan a document. Lay out the pages you want to scan and it will save them all as a PDF file! So easy and helpful if you depend on using a scanner like I do! #Covid19tips #EasierWay #stayhome See more

Make sure if you bought in 2019 you apply for your grant :-)

Plunging bond yields, rising mortgage rates? It’s happening - and this is why you may need to lock in now Imagine you’re a bank fearful of borrowers not paying you back, potential housing devaluation and surging costs to fund your mortgages....Continue reading

Anyone requiring assistance with their mortgage payment need to contact your lender directly because they will want to speak with you. If you are experiencing hardship please call and get relief.

For people who are experiencing hardship due to the reaching impacts of the COVID-19 Virus your mortgage lenders are willing to accomodate. They are very busy with deferral requests, so please be patient in your effort to contact them. As always, contact your broker if you need any assistance.

Attention first time homebuyers: If you bought your very first home this year, don't forget about the First Time Homebuyer Tax Credit. Something to remember when filing your 2019 tax return. Give us a call to see if you qualify.

They say the kitchen is the heart of the home. You can build your dream kitchen with your new mortgage. It’s called a Purchase Plus Improvements Mortgage. It is a special type of mortgage that allows you to make improvements, like a kitchen remodel, immediately after taking possession of your new home. The cost of the reno is rolled into one easy-to-manage mortgage. Give us a call, we’d love to help with all your mortgage needs.

Reverse Mortgages. Canadians are living longer and would prefer to keep living in their homes instead of downsizing or moving into a retirement community. Reverse mortgages are on the rise helping people tap into the equity of their home without having to repay it right away. Could this type of loan help you or someone you know? Give us a call, we’d love to help answer your questions.

It’s the first day of fall. What’s on your autumn bucket list? In the market for a new home? Give us a call, we’d love to help with all your mortgage needs.

It’s Fri-YAY. What are your weekend plans? If you’re planning on hitting some open houses, it might be a good idea to get to pre approved for a mortgage first. You might fall in love with the perfect property. Give us a call, we’d love to help!

Credit Tip. The single biggest factor in your credit score is having a timely bill payment history. It shows a potential lender that you are responsible and will repay your loan on time. Don’t let a bill get past due, and never let a bill go to collections.

Many homebuyers looking at older properties find themselves in a common predicament: they’ve found a property that suits them, but it needs some costly and immediate upgrades. Good news. We’ve got a mortgage that will keep you financially afloat!

Who doesn’t love Mike Holmes? He’s got same great advice when it comes to making your home more attractive to prospective buyers. 1. Get a home inspection done to provide transparency. 2. Make your home more efficient, like caulking windows to reduce drafts.... 3. Make the necessary repairs before you list, this will give the buyers move in ready feeling. 4. Deep-clean the home, first impressions matter. 5. Make the home a blank slate, remove clutter, personal items and even family pictures. Help them visualize as their own. Whether you’re selling this year, or a few years down the road, it pays to make your house more attractive to as many buyers as possible.

Good things come in small packages. Whether saving up for something bigger, or simply choosing to live minimally, urban dwellers are finding themselves in petite quarters more and more. But these days, tight on space doesn't mean sacrificing on style! With the right amount of planning and practicality, it's easy to see how any size of home can work for you.

Credit tip: Getting a credit report for a lender is one of the steps in the mortgage application process that we take care of for you. A good credit report will help you get a better rate and terms for your mortgage. Give us a call, we’d love to help you with all your mortgage needs. 250-377-8874

The time is right. With the kids back in school, what better time than now to start looking for that perfect house for all your family needs. Give us a call, we’d love to help you find the right mortgage for your dream house. 250-377-8874