Feeling Stuck in Today’s Housing Market? Wanting to get out of renting in Kelowna or Vernon? You’re not alone in wondering if this is the right time to buy your first home. Between sky-high home prices, interest rates, and tight mortgage rules, many first-time buyers are wondering if homeownership is even possible. What’s Making It…
Thinking about buying a home over $1 million in British Columbia? You may need a jumbo mortgage—and that’s where Rampone-Marsh Mortgages can help. A jumbo loan is used when the home purchase price exceeds the amount eligible for CMHC-insured financing. In Canada, that limit is currently $1 million. When Do You Need a Jumbo Mortgage?…
Are you ready to buy your next home but haven’t sold your current one yet? Bridge financing can help. At Rampone-Marsh Mortgages, we make bridge loans simple, fast, and stress-free—so you can move forward with confidence. What Is Bridge Financing? Bridge financing is a short-term loan that helps you “bridge the gap” between selling your…
If you have a lot of equity and don’t have a lot of debt, then qualifying may not be an issue; subject to the usual tests around creditworthiness, income stability and earnings. If your situation is not ideal, it doesn’t mean you can’t refinance. Fortunately, as mortgage professionals, we have access to a variety of…
In 2025, many Canadian homeowners are looking for ways to reduce the income tax they owe and have more money for day-to-day expenses — the Smith Manoeuvre remains one of the most powerful strategies available. At Rampone-Marsh Mortgages, we help Kelowna homeowners understand and implement this approach to potentially turn their mortgage into a long-term…
At Rampone-Marsh Mortgages, we specialize in helping people from all walks of life achieve their dreams of property ownership — including newcomers to Canada. Whether you’ve settled in BC with a new job, and are building a life for your family or investing in property, buying a home or a business is a major milestone….
Your property has untapped potential—and with Kelowna’s updated 2025 bylaws, now is a great time to turn that potential into profit. At Rampone-Marsh Mortgages, we help homeowners finance strategic upgrades that not only add living space but also build lasting equity tailored to your long-term goals. Need a Mortgage For A Legal Secondary Suite or…
When it comes to setting up a mortgage, Canadian homeowners always ask us: Should I go fixed or variable?
If your mortgage is up for renewal in 2025, you’re not alone—and you’re likely feeling the pressure. With higher interest rates and rising living costs, many homeowners in Kelowna and across the Okanagan are wondering how to manage increasing monthly payments. At Rampone-Marsh Mortgages, we’re here to guide you through this financial transition with smart…
One year ago, we wrote about what we saw coming in the Canadian housing market for 2025 — steady demand, tight inventory, and rising interest rates. Read more here. Now, we’re halfway through 2025, and while some predictions held true, others took an unexpected turn. What’s Actually Happened So Far in 2025? Interest rates continue…
If you’re considering buying a home in Kelowna, Canada’s recent mortgage reforms could help. The government has rolled out new policies aimed at making homeownership easier and more affordable—especially helpful as home prices and interest rates remain top of mind for many Canadians. Here’s a simple breakdown of the biggest changes and what they mean…
When planning for retirement, many Canadians don’t think about Reverse Mortgages. At Rampone-Marsh Mortgages, we want to help you understand how a Reverse Mortgage can make your retirement more comfortable. Our team works for you, not the banks, to help you gain financial freedom. Let’s look at the benefits of a reverse mortgage and a…
