Appraisal Tips for Success

General Kristen Vettraino 14 May

Before banks or lending institutions can consider loaning money for a property, they need to know the current market value of that property. The job of an appraiser is to check the general condition of your home and determine a comparable market value based on other homes in your area. This is required for any […]

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Homeowner Insurance 101

General Kristen Vettraino 14 May

Not all insurance products are created equal. It is important to understand all the different insurance products to ensure you have proper coverage. Below are the main insurance product options you will encounter with homeownership, and what they mean: Default Insurance: This insurance is mandatory for homes where the buyer puts less than 20% down. […]

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Fall Home Prep!

General Kristen Vettraino 27 Sep

With Fall just around the corner, here are some of my favourite (and helpful!) home prep tips to help you be ready for the upcoming season. Following these tips will ensure everything continues running well into the colder months! Inspect Your Gutters: This time of year it is important to clean and inspect your gutters […]

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Understanding Mortgage Trigger Points

Latest News Kristen Vettraino 27 Sep

As we move into the Fall market, there are some important things you should be aware of. While inflation has now likely peaked, we will still be dealing with the repercussions from these heightened levels for a while before things balance out. As inflation is corrected, we are also seeing home prices moving back to […]

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Mortgage=Death

General Kristen Vettraino 1 May

As a casual fan of semantics and etymology and I wanted to share a little background for the word and use of “Mortgage”. I remember that during my initial mortgage licensing course, I found it interesting that mortgages were a way for regular folk (serfs, plebes, proles if you like) to obtain property for themselves […]

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Analyzing BMO’s Go-Fixed Advice

General Kristen Vettraino 25 Mar

“Some argue that the “best” mortgage strategy is picking the lowest possible rate, every time. That’s a horrible plan if the mortgages you pick have prepayment and refinance restrictions that cost you more than the rate savings. But assuming you chose reasonably flexible mortgages, this strategy would have served you well the majority of the […]

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Home-buying 101

General Kristen Vettraino 15 Nov

Great video to learn the very basics of purchasing a home. Enjoy!  http://www.youtube.com/watch?v=2OUb0fr_p9o          

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September is the start of something new!

General Kristen Vettraino 4 Sep

The first weeks of fall often seem more like a new year than the beginning of January does. This year’s events are certainly solidifying that notion for me.  I’m so very pleased to announce that I am embarking on a new career as a Mortgage Agent. Having completed a certification course earlier this year, I […]

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