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  • What is a Mortgage Broker anyway?

    We have all heard of them but most of us have little to no idea what a Mortgage Broker actually does. Watch this video and find out how Rampone-Marsh can help! We can literally save you thousands of dollars and do it for FREE! Just pick up the phone and call us today… we’re never…

  • Do’s & Don’ts to Remember when Buying a Home

    Purchasing a house is a huge investment that requires careful consideration. To help get you started, we’ve outlined some simple do’s and don’ts to remember so you can spend less time feeling overwhelmed and more time making confident real estate decisions! Do: Get pre-approved When deciding to invest in property, it’s important to be pre-approved…

  • Applying for a mortgage? What first-time homebuyers should know

    Wouldn’t it be nice if we could just roll into a brand new home, put an offer on the house, sign the paperwork and call it a day? If only it were so easy! However, applying for a Kelowna mortgage doesn’t have to be hard when you plan for it ahead of time. If you’re…

  • How to Save for your Down Payment

    As a first-time home buyer, the down-payment required is minimum 5% which means it’s time to start saving up cash! However, purchasing a home tends to come with plenty of additional costs like furniture and insurance, which is why we recommend saving up even more than your minimum required amount. If you’re ready to start…

  • Making an Offer on a Home

    After searching through pages and pages of MLS listings, walking through numerous open houses and attending multiple home viewing appointments, you finally found a property worth putting in an offer for. It’s a nice feeling when you’ve found a place where you can see yourself cooking meals, watching TV, and decorating for the holidays! Viewings…

  • New Government Policies and Challenges Applying for a Mortgage

    If you’re in the market for a new house, there’s a few things that have changed in the last little bit that you should definitely know and understand. The government has issued new policies when applying for a mortgage. To summarize what’s going on, basically the federal government now requires applicants to go through a stress…

  • Applying for a Mortgage? Read This First to Avoid Disappointment

    Applying for a Mortgage? Unfortunately, it’s not always as easy as signing legal documents, grabbing your bags and moving in. Home-seekers are often faced with a unique set of frustrating and unexpected application issues where it feels like hoop jumping is the only way to purchase property. To best prepare you, here are some common…

  • 5 Renovation Types that Could Improve the Value of your Home

    5 Renovation Types that Could Improve the Value of your Home

    It doesn’t matter if you’re a first-time buyer or if this is your 5th property, real estate is an investment and should always be treated as such. How do we mean? Well, for starters, keeping up with regular property maintenance like seasonal roof inspections and regular smoke detector check-ups are good places to start. However,…

  • Increased home owner grant helps families with property taxes

    Homeowners who have seen a significant increase in their properties’ value are getting a break from the government when it comes to paying their taxes this year. The government of B.C. announced yesterday that it has increased the homeowner grant threshold from $1.2 million to $1.6 million, which represents a 33 percent increase over last…

  • The BC Home Partnership Program: What You Need To Know

    The BC Home Partnership Program: What You Need To Know

    There is no question that buying a home is one of the most important decisions you can make with your money. Given the importance of this purchase, it’s always a good idea to find the best possible deal for your purchase. The BC home partnership program gives first-time buyers some great benefits. In this article,…

  • Why Mortgage Rates are Suddenly Way More Complicated

    If you’ve been shopping for a Kelowna mortgage recently, you may have noticed that mortgage rates can be all over the map. Well, that’s because you are not comparing apples to apples anymore. Thanks to Canada’s 2016 changes to mortgage rules, the mortgage pricing matrix is much more complicated, and quick online mortgage quotes are…

  • Does a Bigger Down Payment Mean a Lower Rate?

    Oh, the times they are a-changing! When it comes to mortgage financing, there has been a whirlwind of activity lately, completely altering what you thought you knew. In Canada, much of the financial market has been skewed and in jeopardy in recent history, with the real estate industry in a particular state of flux. These…