• Purchasing a Home

    Author: Tracie Barnes Mortgages |

    Purchasing a home is a great investment, and likely the largest investment you will make in your lifetime. If you are new to the home…

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  • Marital or Common Law Separation – Dividing your Asset

    Author: Tracie Barnes Mortgages |

    Ending a committed relationship is never easy, and is an extremely emotional process. If you own a home with a significant other, and you have…

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  • Renewals/Loan Transfers/Switches

    Author: Tracie Barnes Mortgages |

    CAUTION!! –Before you just accept your existing mortgage lenders renewal offer, shop around. This is likely your largest monthly payment, let us shop your business…

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  • Refinancing

    Author: Tracie Barnes Mortgages |

    Refinancing your home means to pull equity out of your home to increase your mortgage amount, taking cash out for personal use. Typically you’ve owned…

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  • Private First/Second Mortgages

    Author: Tracie Barnes Mortgages |

    Private First or Second mortgages are used when you own a home and have bruised credit, difficulty proving your income and have run into difficulty…

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  • Self Employed

    Author: Tracie Barnes Mortgages |

    Unfortunately when you are self employed often your declared income isn’t indicative of what you actually make in a year, and this can cause difficulties…

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  • Multi-Unit Residential (5+ Units) Commercial Lending

    Author: Tracie Barnes Mortgages |

    process for purchasing these types of properties is much more comprehensive and differs from standard residential financing. Documents are required up front, and the property…

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  • Construction Financing

    Author: Tracie Barnes Mortgages |

    Interested in building your dream home, but not sure how to start with financing? Contact a mortgage broker with construction financing experience and let us…

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  • Investment Properties

    Author: Tracie Barnes Mortgages |

    Looking to build your real estate portfolio? There are many things to consider when you decide to buy real estate as investment properties with the…

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  • Credit Challenged Mortgages

    Author: Tracie Barnes Mortgages |

    If you have gone through some changes in your life and it has impacted your credit is now preventing you from borrowing from the banks,…

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