• Announcing The New Website

    4Front Mortgages   | 

    We are delighted to announce the launch of our new website!

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  • New Website Under Construction

    4Front Mortgages   | 

    New Website Coming Soon!

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  • Knowing the Lingo – Key Terms for Your First Mortgage

    4Front Mortgages   | 

    Commercial mortgages Vancouver

    The mortgage process can be overwhelming. Knowing the key terms that are part of it can help reduce confusion and help guide your first conversation with your mortgage broker.

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  • New CMHC Premiums: 2 Steps Forward, 1 Step Back?

    4Front Mortgages   | 

    CMHC raised their insurance premium rates on January 17th, 2017. These new CMHC premiums are seen as a direct consequence of the regulatory changes that OSFI (Office of the Superintendent of Financial Institutions) implemented in October 2016. Those changes already had immediate impact to non-bank lenders in the industry: from tougher lender requirements, higher rates for certain Canadians and for some lenders, or they just stopped lending resulting in fewer choices for Canadians.

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  • Knowing When to Refinance

    4Front Mortgages   | 

    Commercial mortgages Vancouver

    People refinance their mortgages for a number of different reasons, and it can be a great way to help with your financial goals. Whether it is to consolidate debt, get a better interest rate, or take out equity from your home, knowing when to refinance is an important step in the process.

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  • Cooling the Market: Thoughts From the 4Front Team

    4Front Mortgages   | 

    Commercial mortgages Vancouver

    Recently we have seen talk from all levels of government about the housing market. There is a consensus that the market may be a looming liability for the Canadian economy, and without a doubt it is a topic of conversation and concern for the average person. There is recent talk of increasing regulations and other measures to help bring the market back to equilibrium, however this is often motivated by other factors than simply controlling prices.

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  • The Mortgage Process: What Happens after the Approval?

    4Front Mortgages   | 

    Commercial mortgages Vancouver

    You’re approved! Congratulations, you are on your way to owning a new home, or perhaps refinancing your current home. While for some people getting approved for a mortgage is the hardest part of purchasing a new home, for others the hardest part is actually once the approval is obtained. There are steps after the approval that can be confusing and pose more challenges if you have never gone through the mortgage process before.

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  • Making Subject Free Offers Stress Free

    4Front Mortgages   | 

    Commercial mortgages Vancouver

    If you are purchasing in a strata property, a mortgage broker can find out if the building has been red-flagged for any building envelope or financial issues by mortgage insurers. This gives you comfort that the lender will not run into challenges with obtaining mortgage insurance, which is needed when the down-payment is generally less than 20%. Even when the down-payment exceeds 20%, lenders can access the mortgage insurer’s database to obtain strata information. Some lenders will require a Form B and Depreciation Report. Having these reviewed by your mortgage broker in advance can ensure there are no challenges with your application process.

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  • Monoline Lenders: The Un-Banks

    4Front Mortgages   | 

    Commercial mortgages Vancouver

    As mortgage brokers, we work with a variety of lenders to find a fit for our clients financial needs. What many people don’t know is that the big banks only provide about 50% of all mortgages in Canada. Naturally you may wonder who makes up the other half, and the answer is monoline lenders.

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