Tetyana Osaulenko- Mortgage Broker
200 10493 184 Street T5S 2L1 Edmonton, AB, Canada

Вд щирого серця втаю з Рздвом! Нехай цей свтле добре свято принесе у дм щастя, достаток та гармоню!

The City of Edmonton offers a Property Tax Monthly Payment Plan that enables you to pay your taxes monthly, instead of in one annual payment.

Корисн поради для тих хто плану змнити мсце проживання. Комунальн послуги

Changes to the mortgage eligibility with CMHC from July 1, 2020.

https://www.dlcapp.ca/app/tetyana-osaulenko?lang=en

Looking for home/condo insurance? I am personally referring my clients to Nuera insurance. Quote and buy your insurance online. Feel free to abuse it :) ... This is my discount link https://www.nuerainsurance.ca/partner-property-insurance/

How to pay off your mortgage faster Take advantage of prepayment privileges. Shorten your amortization period. Pay a big lump sum before you renew. When it's time to renew your mortgage, pay as much as possible. Choose accelerated weekly or accelerated biweekly payments.

Tetyana Osaulenko Mortgage Broker 587-568-8867 [email protected] www.canadaipoteka.com

Home Inspection 587-921-1707

Call me at 587-568-8867 for all your mortgage needs.

Stress test decreased from 5.34% to 5.19%. It is first deacrease since September, 2016

Terms that Homebuyers need to know

When you are planning to apply for mortgage, you need to consider two affordability ratios: Rule #1 GROSS DEBT SERVICE (GDS) Your monthly housing costs are not supposed to exceed 39% of your gross monthly income. Mortgage payments + Property taxes + Heating Costs + 50% of condo fees/ Annual income... Rule #2 TOTAL DEBT SERVICE (TDS) Your entire monthly debt payments should not exceed 44% of your gross monthly income Housing expenses (see GDS) + Credit card interest + Car payments + Loan expenses / Annual Income Rule #3 CREDIT RATING Everyone who will be on title to the property will need to have their credit run. Your credit bureau is important because it shows the lenders how well (or not) you have handled credit in the past. This gives them an indication of how you will handle credit in the future, and will you be a good risk and make your mortgage payments as promised. If you handle credit well, you will have a high Credit Score and get the best interest rates from the banks/lenders. If you have not handled credit well, and have a poor credit score, you will either be charged a higher interest rate or your application will be declined. If you have any mortgage related questions, please contact Tetyana Osaulenko at 587-568-8867

First time home buyers incentive. Application will be accepted effective day: September 2, 2019. With closing date: November 1, 2019