Marianne MacLean Mortgages
260 Main Street B4P 1C4 Wolfville, NS, Canada

Start Packing! Call me for pre-approval, refinances, renewals and first time buyers. #mortgage #homebuyer #homesweethome

Wherever you are today at 3pm.... please stop to remember and pay respect to the families of last year’s tragedy. At 3:00 p.m. Atlantic Time today Sunday, April 18, there will be a province-wide 2 minute silence to honour the victims of last year’s shootings. #nsstrong

Tip Tuesday When looking to qualify for a mortgage most lenders follow the same set of guidelines regarding income If you are on salary or hourly at your job, and have guaranteed full time hours, the lenders will use an employment letter and recent pay stub to confirm your income.... Depending on the type of employment and time in that industry, someone may only need to be working at the job for 1 day. With overtime, commissioned income, bonuses, non guaranteed part time income, or self employment income, the lenders usually require a 2 year average of income. When getting pre-approved, make sure you bring to the lender an employment letter, recent pay stub and 2 years of T4’s or notice of assessments. And, if you are self-employed, 2 years of tax returns. #nsmortgage #wolfville #kentville #nsrealestate #movetonovascotia

Fun fact on getting pre approved When qualifying for a mortgage did you know that? Unsecured debts and vehicle loans have a big impact on how much mortgage you can qualify for.... With credit cards and unsecured lines of credit, the lenders use 3% of the balance as a minimum payment. So every $10,000 that you owe on a credit card or unsecured line of credit, is a $300 payment that goes against you when qualifying. And every $300 payment you have ( including loan payments) is equivalent to $50,000 less mortgage that you would qualify for. #premieremortgage #mortgages #wolfvillerealestate #preapproval

Renew your property selectively - these renos are far more cost-effective. #MarianneMortgages #RealEstate

Wherever you are today at 3pm.... please stop to remember and pay respect to the families of last year’s tragedy. At 3:00 p.m. Atlantic Time today Sunday, April 18, there will be a province-wide 2 minute silence to honour the victims of last year’s shootings. #nsstrong

Tip Tuesday When looking to qualify for a mortgage most lenders follow the same set of guidelines regarding income If you are on salary or hourly at your job, and have guaranteed full time hours, the lenders will use an employment letter and recent pay stub to confirm your income.... Depending on the type of employment and time in that industry, someone may only need to be working at the job for 1 day. With overtime, commissioned income, bonuses, non guaranteed part time income, or self employment income, the lenders usually require a 2 year average of income. When getting pre-approved, make sure you bring to the lender an employment letter, recent pay stub and 2 years of T4’s or notice of assessments. And, if you are self-employed, 2 years of tax returns. #nsmortgage #wolfville #kentville #nsrealestate #movetonovascotia

#RealEstateTip - Do your homework! Real estate purchase of a home regardless of whether it’s a condo, a home or garden home is a very emotional decision, so people forget sometimes to do their homework and to think things through. For example, it’s important to understand the historical data so that you know what you’re buying and where you’re buying so that you, the homebuyer, understands the nuances of the neighbourhood.... #Tip #MortgageBroker #WolfvilleNS

Fun fact on getting pre approved When qualifying for a mortgage did you know that? Unsecured debts and vehicle loans have a big impact on how much mortgage you can qualify for.... With credit cards and unsecured lines of credit, the lenders use 3% of the balance as a minimum payment. So every $10,000 that you owe on a credit card or unsecured line of credit, is a $300 payment that goes against you when qualifying. And every $300 payment you have ( including loan payments) is equivalent to $50,000 less mortgage that you would qualify for. #premieremortgage #mortgages #wolfvillerealestate #preapproval

Renew your property selectively - these renos are far more cost-effective. #MarianneMortgages #RealEstate

#RealEstateTip - Do your homework! Real estate purchase of a home regardless of whether it’s a condo, a home or garden home is a very emotional decision, so people forget sometimes to do their homework and to think things through. For example, it’s important to understand the historical data so that you know what you’re buying and where you’re buying so that you, the homebuyer, understands the nuances of the neighbourhood.... #Tip #MortgageBroker #WolfvilleNS

This is for all my realtor friends out there #preapproval #mortgageapproval

Take a moment today to remember all of the men and women who fought and gave their lives, so we can live ours today in freedom. #FreedomIsNeverFree #grateful

#Throwback to last year's Halloween festivities. What are you and your kids dressing up as this year? Remember, Halloween doesn't have to be fun for only the kids!

#RealEstateTip - Do your homework! For example, it’s important to understand the historical data so that you know what you’re buying and where you’re buying so that you, the homebuyer, understands the nuances of the neighbourhood. Need more tips or advice to help you understand if buying is right for you? Shoot me a message! :)... #MarianneMortgages #MortgageBroker #WolfvilleNS

Thanks so much Curtis. I appreciate your kind words, you guys are always a pleasure to work with!! #TestimonialTuesday #HappyClients