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For years, getting a mortgage has felt a lot like playing the lottery, will I be the winner? Nobody could really tell you what you needed to do to get your mortgage approved...until now! Did you know that when it comes to getting a mortgage, lenders are looking at 4 main categories? They are evaluating your: Credit Income Debt Savings Now that you know what they're looking at, let's break down what that actually means. Credit Ideally, the lenders are looking for a credit scor

We all know the most important thing when trying to get a mortgage is high income...or is it? We recently did a poll amongst our Grande Prairie mortgage team of what's most important for our clients in obtaining a mortgage

When it comes to getting a mortgage there are things that are much more important than the lowest rate available! What should you be looking for instead?

When it comes to qualifying for a mortgage lenders it can be more difficult for self employed people but with Gert Martens Mortgage Team it doesn't have to be! Our expert mortgage team has helped self-employed people qualify for mortgages for over 15 years!

If you're considering refinancing your home in Grande Prairie, AB, the process might seem overwhelming, but Gert Martens Mortgage Team is here to guide you every step of the way.

Buying your first home is such an exciting time but there's so much a person doesn't know with their first home purchase and the mortgage process that goes along with it. In this guide we'll share what is important to know when it comes to getting your first mortgage. What to do before applying for a mortgage... If you are thinking you'll want to buy a home in the next year, there are a few things you can do to set yourself up for success. Focus on Credit. You can improve you

If you've been thinking about getting a mortgage then you've probably heard about a mortgage pre-approval, but what is it? In simple terms, a mortgage pre-approval tells a buyer what purchase price they can afford for a house, however not all mortgage pre-approvals are the same!

Have you been told you can't get a mortgage because of past credit issues? Or maybe you haven't even tried to apply for a mortgage because you know you have bad credit? For many Canadians, understanding their credit and credit report feels like a daunting task so our team breaks down some things that you might not know are wrecking your credit and also some quick ways to rebuild credit after a past credit blemish.

Between January-March of every year your mortgage lender will send you an annual mortgage statement. You might ask why is an annual mortgage statement important?

When your mortgage is up for renewal what do you do? Our Grande Prairie mortgage team is here to help you maneuver your mortgage renewal process!

When it comes to buying a home or renewing your mortgage in Grande Prairie, one of the most important factors to consider is your mortgage rate . Why? Because it can be the difference between paying a lot more than you need to or keeping your monthly payments affordable. No one wants to feel financially overextended so finding the best mortgage rates is crucial to ensuring you don’t pay more than necessary. Whether you’re a first-time homebuyer or renewing your mortgage, bei

Starting the journey to homeownership often begins with a mortgage pre-approval. This process can feel overwhelming, but our Grande Prairie Mortgage Broker team walks you through the entire process, saving you time, stress, and improving your chances of approval!

Eight times a year the Bank of Canada makes an announcement regarding the target interest rate and prime rate but what does this mean for you and your mortgage?

In Canada, there are several programs available to assist first time home buyers with the home buying process, especially if you are looking at purchasing a new build home!

Getting a mortgage can be challenging for anyone, but self-employed professionals often face extra challenges. However, with the right strategies and team behind you, securing a mortgage is within reach.

To make a home truly yours many people dream of home renovations. A purchase plus improvements mortgage offers a effective way to finance both the home you want AND the renovations of your dreams!

When exploring homeownership, one of the decisions you will make is the type of mortgage to choose. We'll discuss the advantages and disadvantages of both fixed and variable rate mortages so you can choose an option that's best for you!

Whether you want lower interest rates, to reduce monthly payments, or use your home’s equity for another purpose, refinancing can help!

With so many mortgage options available, finding the right one for you is crucial. That’s where the expertise of Gert Martens Mortgage Team

When it’s time to renew your mortgage, it’s important to carefully consider all your options. Gert Martens Mortgage Teams helps you make an