Welcome to Mortgages by Janice
Educating you on mortgage financing ins and outs today!
An irregular blog, helping you with all your mortgage financing, and mortgage refinancing needs!
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Who doesn't want to look around this site and learn how to save money when mortgage financing, or mortgage refinancing? Ready to see what you can do with your mortgage purchasing knowledge? Apply now to get the conversation started!
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Frequently Asked Questions
Please reach us at janice@mortgagesbyjanice.com if you cannot find an answer to your question.
This is a great question and one I get all the time. It is firstly a very personal question as only you know how comfortable you are with variable rate, and the possibility of it going up. If you are worried about variable rate, most likely fixed rate is going to be much higher. Is it even worth it. I do have a nifty little calculator that shows if your current rate is better or worse than what you could potentially be locking into if you switched to fixed, so my advise is - just ask me!
Yes of course you can! Just be aware that if you do opt to have the bank or lender take care of these for you, that you may have to pay for this service. So just be sure to check. The next thing is, if you include it in your mortgage, if you ever leave that lender you need to make sure to separate the taxes from your mortgage when moving to another lender, as if you don't they will just lump it all together, and you will no longer have a tax account. And there are other ways to ensure you don't get a surprise at the end of the tax year - so please, just ask me!
I know it would be much easier to lump all these together. But as time goes on, you may forget who or if you have insurance. The separate payment always reminds you (or your loved ones in case of death or severe injury) that you do indeed have insurance.
Head Office: 223 14 St NW Calgary AB T2N 1Z6
Compliance Officer: Gord Appel 403-714-4663, gord.appel@axiommortgage.ca
Broker of Record: Gord Ross 403-830-7900
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