Mortgage Blog
Ralph works for you, not the Lenders
Category: Financing (7 posts)
Tips for Improving Your Credit Score Before Applying for a Mortgage
November 1, 2023 | Posted by: Ralph Covello
Tips for Improving Your Credit Score Before Applying for a Mortgage For many people, buying a home is a significant milestone in their lives. However, getting approved for a mortgage is ...
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Bank Of Canada Rate Update June 7, 2023
June 7, 2023 | Posted by: Ralph Covello
Bank of Canada raises policy rate 25 basis points, continues quantitative tightening The Bank of Canada today increased its target for the overnight rate to 4.75%, with the Bank Rate at 5% and the ...
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A Six-Step, Back to Basics Financial Plan for Most Every Canadian
November 21, 2022 | Posted by: Ralph Covello
It's a tough time to know what the right financial move is at the moment. Interest rates are increasing, while stocks are in bearish territory. It's easy to forget that there are smart things that you ...
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How Good vs Bad Debt Impacts Your Household
March 24, 2022 | Posted by: Ralph Covello
In order to understand the difference between good and bad debt, it's important to track your income and expenses and established saving goals for your family. Financial stability allows you to mee ...
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Should You Refinance Your Mortgage?
February 10, 2022 | Posted by: Ralph Covello
There are a multitude of reasons why a homeowner may be considering refinancing their mortgage. However, before any final decisions are made it is always a good idea to consider carefully whether refi ...
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Strategies to Dig Yourself Out of the Debt Hole
January 20, 2022 | Posted by: Ralph Covello
Debt. It's something almost everyone will have at some point in their life. But what happens when your debt begins to get the better of you? What options are available? Some simple strategies can he ...
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Why You Need an Emergency Fund And How to Get One
January 13, 2022 | Posted by: Ralph Covello
Building an emergency fund is something most people know they should do but few actually get around to doing. A recent study found that nearly two-thirds of Americans did not have an emergency fund, a ...
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