D H's (hbodurham) Blog

In some cases, a mortgage broker will require a fee to arrange a mortgage. This is generally done when the borrower has a poor credit rating. The broker will have to do additional work to make sure a loan is in place for the buyer. The home buyer may not have the mortgage broker's fee. Since thei...

Canada Mortgage and Housing Corporation (CMHC) is the Government of Canada's national housing agency that helps Canadians gain access to a wide choice of affordable homes. CMHC has been contributing to improving the living conditions for Canadians for over 50 years in a variety of ways. In the mo...

Your credit rating is a measure of your record of borrowing and repayment. If you don't have a credit rating, most institutions will not lend you money. The credit bureau is a record keeping business of a consumers' use of credit. A credit report provides a credit history, which is a list of fact...

If you are dealing with a credit crisis you do have some options. You might have a credit problem if you: Can't pay the minimum payment due each month on your credit cards. Require cash advances to meet living expenses. Don't have any idea how much you owe.   Are always in debt. Try these ideas t...

In most cases, buying or selling a home requires mortgage financing. In all cases, the services of a professional home inspector should be retained to reveal defects that can affect the real estate transaction. Daniel Giddings is a determined individual that takes pride in everything he does.  Wh...

Mortgages on a property are referred to by a number. For example, you might have a first mortgage on your home. Some have a second mortgage and some even have a third. This numbering system is simply the order in which they were registered. It is also the order in which they are satisfied in the ...

In some real estate transactions, the buyer will ask the seller to hold a mortgage on the property. This is commonly referred to as a 'vendor takeback'. There are some questions that have to be answered to determine whether it is a good idea or not. The seller has the following to consider. The a...

Despite the myriad of fear-instilling headlines in all the major papers, the Ontario real estate market is NOT on the verge of collapse, or disarray, or whatever the latest misleading headline is touting; the troubles within the industry are actually only applicable to those who sell real estate ...

When dealing with a small space, such as a student dorm, first apartment or tiny condo you must effectively utilize your vertical living space. Shelving and storage will be your new best friends.  Also be sure to look for pieces that are small scale, streamlined and multi-functional. This can be ...

Everyone is aware when they walk in to a room with the perfect lighting scheme. A room with a well planned out lighting scheme just feels right; it feels welcoming, relaxing and yes even sophisticated. How do you feel in your home? Do you walk in to your rooms and feel as though you've just enter...