First-Time Buyers
Pre-approval, affordability, down payment rules, gifted down payments, and how lenders actually read a first-time buyer file.
Resources
A growing library of plain-language mortgage writing.
Short, useful articles for Alberta buyers, homeowners, self-employed borrowers, and realtor partners. New writing is added as the library grows. In the meantime, here are the topics already in the works.
Topics
What the library will cover.
Six categories
Renewals and Refinancing
When to start a renewal review, why default offers leave room on the table, and the honest math behind refinancing for debt or cash flow.
Self-Employed Borrowers
How lenders read a self-employed file, what add-backs really mean, GST and HST considerations, and planning ahead by twelve months.
Mortgage Documents
NOAs, T4s, T1 Generals, pay stubs, statements, gift letters. What lenders need, in plain language, and what to gather first.
Market Explainers
Fixed versus variable, the stress test, qualifying rates, and what changes in policy mean for an Alberta buyer or homeowner.
Realtor Partner Tips
Buyer readiness conversations, financing condition timelines, and topics worth covering before your client writes an offer.
In progress
First articles being written now.
These are the first pieces going into the resource library. Want to be notified when they go live? Realtors can join the Monday Mortgage WISH List, and clients can start a Mortgage Check-In with Hannah anytime.
- In writing now
First-Time Buyers
What a real pre-approval actually gives you
- In writing now
Renewals and Refinancing
The renewal letter most homeowners auto-sign
- Coming soon
Self-Employed Borrowers
Self-employed and applying soon? Read this first.
Articles in this library are general education only. They are not personal financial advice, an offer of credit, or a rate guarantee. Always review your specific situation with a licensed mortgage professional.