The In's and Out's of Mortgage Insurance
One of the key aspects of buying a home is saving for the down payment. Mortgage Loan Insurance from Canada Mortgage and Housing Corporation (CMHC) can help bri ...
Mortgage and Lending
David Hudson
location_on Vancouver, BC — TD Bank Financial Group
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web Mobile Mortgage Specialist Report
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Get to Know David Hudson
David Hudson has been a top producing loan originator with over 8 years experience in the financial industries of both Canada and the United States, David has won numerous distinctions for his unparalleled client focused service and takes great pride in providing professional financial advice and exceptional customer service. As a Mobile Mortgage Specialist with T# Chnmfa Tbrst David works exclusively with mortgage customers...whether purchasing, looking to transfer a mortgage or refinance an existing mortgage to consolidate debt. His extensive experience along with a strong University education BBA, BA, AMP (Bishops University, San Diego State University and UBC) ensures that you will receive the best professional advice. David services the Greater Vancouver Area, Fraser Valley and LGBT community. No matter what type of mortgage financing you are looking for, it makes sense to speak to him first. He is available outside of normal banking hours, weekends and evenings to suit your schedule. Put his years of experience and proven results to work for you!
Your Credit Report
A good credit report and credit score are important factors in determining whether or not you will be approved for a mortgage. Here are some simple steps you ca ...
Loft Ideas and Tactics
With property values so high in metro Vancouver and the popularity of urban live/work spaces rising, it makes sense to fully investigate the benefits that you m ...
Offer to Purchase
Once you find a home you want to buy, you will need to present the vendor with an Offer to Purchase or Agreement of Purchase and Sale.
An Offer or Agre ...
Certifications
If you are currently considering a new mortgage, you might find this interesting... A Survey of hundreds of mortgage shoppers during the last 10 years reveiled a common "misperception" that can cost both homeowners and buyers thousands of dollars. It's this: "All home loans and lenders are pretty much the same. And a $20 - $50 dollar difference or a 1/16% to a 1/8% interest rate difference between loan types doesn't matter that much." Sadly, nothing could be further from the truth. You see, the reality is that those subtle, small and seemingly trivial differences can actually cost you thousands and tens-of-thousands of dollars. Simply put, an uninformed, small $20 - $50 decision can result in a $10,000 mistake! Here's why... Small differences can become quite large when you begin to factor in the time value of money ...whether or not you take small monthly savings and apply them to the principle ...and how fast one loan builds equity compared to an alternative choice ...and many other options. It is the same principle that affects ocean navigators: Only a small error on their compass today will put them thousands of miles off course three days from now. Needless to say, trying to uncover the true, long-term advantages of one loan over another can be very complex. Even an experienced lender could have difficulty comparing all of the different variables on just a single loan. So, how can any of us make wise decisions in the face of so many choices? Surprisingly, it can be quite simple... You see, I have invested in a software program that can track and calculate all those variables - on 4 separate loans - simultaneously. I call it "Total Cost Analysis" This program lets us provide you with information that no other lender can. And instead of waiting 20 minutes just to get those answers on a single loan, you can see, in black and white, the advantages between 4 loans in just a few minutes. This places the knowledge to make wise decisions about your home mortgage firmly in your control. Email me today to get your personal Total Cost Analysis
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A good mortgage consultant should treat clients, and their financing, as a top priority. This includes returning phone calls and emails promptly, as well as keeping the client informed. Professional!