4 ай бұрын
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@riyadhmehboob2 18 күн бұрын
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@JB-lp9xr 25 күн бұрын
Should you get a fixed rate mortgage? Yes. Every damn time. If rates are high, wait. Never ever ever get an ARM, lenders that push ARMs are no better than loansharks.
@thatguythatdoesmortgages 25 күн бұрын
I’d have to strongly disagree with your take. There is a product for everyone and there are many features within the ARM that are more beneficial than a fixed rate. It all comes down to risk tolerance and flexibility of income. There is a reason why data over the last 30 years shows that the variable rate beats out fixed rate. If your income is lower and your budget is maxed, fixed might be best. If your income is higher and you can afford an increased payment if it comes to it ARM can be a much better option in most cases.
@stephenn88 Ай бұрын
Go fix
@sheelapaul4802 Ай бұрын
Would like to contact you for furtyer details, how can I contact you?
@thatguythatdoesmortgages Ай бұрын
Hi Sheena, there is a link on my page to fill out a form and book a call. Visit Whiteridge.ca/contact
@rationalpi6755 Ай бұрын
Very informative thanks!
@thatguythatdoesmortgages Ай бұрын
Glad it was helpful!
@invest6046 Ай бұрын
what's best mortgage rate for 3 year/5 year on conventional mortgage with big banks
@thatguythatdoesmortgages Ай бұрын
Right now we are seeing around 4.79% for 3-Year Insured and 5.09% for 3-Year Conventional.
@amankumaraman29april Ай бұрын
The video seems a copy of Nolan Matthias's video
@thatguythatdoesmortgages Ай бұрын
Nolan is an inspiration for this video. I am in a KZfaq training with him. At the end of the day it’s very similar information because it comes down to the banks policies
@amankumaraman29april Ай бұрын
@@thatguythatdoesmortgages 👍
@mdnahidseo Ай бұрын
Hello sir are you looking for a professional youtube video SEO expert?
@AlanKelly-nm9lx Ай бұрын
buy a home u never own eh dork??? cause u get a slave fee simple tittle and not a allodial title lol stupid is the virus!!
@AlanKelly-nm9lx Ай бұрын
u r a loser dude....
@Electric_ Ай бұрын
Argentina moves towards sanity, meanwhile Canada seeks to take its place as an economic basket case
@flaviusfake271 Ай бұрын
Immigration has been the main factor to increase the economy, housing, food cost and inflation. They are reducing immigration that will slowdown the economy and inflation. Argentina has seen 1,000% inflation. Not even comparable to anything seen in any of the top 20 world countries. But hey all the power to you for looking cool. 😁🤘🤘🤘
@Electric_ Ай бұрын
@@flaviusfake271 isnt the population like 25% Indian? Its completely too late and all over
@AlanKelly-nm9lx Ай бұрын
@@Electric_ dude it has turned into a 3rd world country bro so sick! we need more guns lo
@Copperwind49th Ай бұрын
Inflation is crushing people in Canada. This rate cut will do nothing to help. And it won't help with inflation either.
@exanime Ай бұрын
current inflation is pumped up by speculation and corporate greed... interest rates will do nothing against this
@kenisha959 Ай бұрын
thanks for this video! very informative :)
@confusion9950 2 ай бұрын
Not even finishing the video. I'm a journeyman carpenter in Canada. I've been told I don't make enough, my industry isn't stable, that ig i want a mortgage too open my own company. So now they want 5 times as much down! The only tbig the government is doing is fucking Canadians up the ass!
@stevenhitchie9624 2 ай бұрын
Why is US used as a graphic with the Canadian flag over it lol
@user-us5dr2qi2r 2 ай бұрын
That's nice to bad no one can afford to buy one.
@thatguythatdoesmortgages 2 ай бұрын
Yea it sure ain’t easy right now. Still ways to qualify though.
@thatguythatdoesmortgages 2 ай бұрын
I’m aware of the different for some reason the program is actually called HBTC which is Home buyers Tax Credit but it works as a deduction resulting in a $1,500 credit come tax time. You can find more info on the Canada government website by searching HBTC Canada. 👍🏻
@robertweekley5926 2 ай бұрын
Well, a "Tax Credit" is $ for $! A "Tax Deduction" on the other hand, just reduces your "Taxable Income!" So, a $1,500 Reduction in Taxes, is less that you'd get, for a "$10,000 RSP Contribution", or a "$10,000 Charitable Contribution", or many other uses of it, including the new FHSA (First Home Savings Account) So, he might be correct in ither aspects, just not clear on the facts of the Value You get, in $! 🧐🤔🙄
@michalblaskovic293 2 ай бұрын
socialism is coming good luck
@Mortgagerichard 2 ай бұрын
Great video, and informative info
@dealman3312 2 ай бұрын
66.6% 🤔 interesting 👹
@haukenhung 2 ай бұрын
Just sold one of my properties avoiding the increased capital gains tax!!!!😅
@thatguythatdoesmortgages 2 ай бұрын
Smart choice. It’s actually crazy the difference the increase makes In how much you pay in tax
@dealman3312 2 ай бұрын
Good for you!!!! 👏🏻
@abubakkarsiddique9027 2 ай бұрын
Appreciate the info
@thatguythatdoesmortgages 2 ай бұрын
You bet! Any time👊🏻
@cancerman3954 2 ай бұрын
So if you cannot afford a mortgage at 8% don't buy it.
@rassrevenger5060 2 ай бұрын
Compared to inflation prices of houses are going down. Im in a place that's only gone up in value slightly maybe 5% max whilst inflation since i bought it has been 18%
@hotel707 3 ай бұрын
That ain't preventing anything.
@thatguythatdoesmortgages 3 ай бұрын
It doesn’t prevent everything but you’d be surprised how picky they are with the history and tracking it back. Certainly stops some of it
@yichengzhang2049 3 ай бұрын
What dose the insurance product do? Is that means that your insurance won’t go any higher in the next 30 years? Also for the first time buyer what if he have a family trust fund and can he still count as first time buyer?
@thatguythatdoesmortgages 3 ай бұрын
So, mortgage insurance is for the lender, but it allows you to put less than 20% down payment. Whenever you purchase with less than 20% down, insurance is required. Previously, if you got an insured mortgage, you were capped at a 25-year term. However, now first-time homebuyers can purchase new construction homes with a 30-year insured mortgage. This is good news, though it’s still only available to a specific group of people. Additionally, if you have a family trust, that’s fine; you’re still considered a first-time homebuyer as long as you’re the one on title and on the mortgage, and you haven’t owned any property in the last 4 years.
@CptOriginal 3 ай бұрын
This reads like an add. No disrespect to Canada, but I dont live in Canada. Nor am I trying to buy a home. KZfaq... Stop sending me no name no view videos on my recommendeds.
@jwhitehead4959 3 ай бұрын
*Promo sm* 😭
@thatrealtorharrison 3 ай бұрын
Great info!
@ambitiousvancouver604 3 ай бұрын
Wow, now I know how to save bunch of money
@thatrealtorharrison 3 ай бұрын
Awesome!!
@thatrealtorharrison 3 ай бұрын
Great info!
@thatguythatdoesmortgages 3 ай бұрын
Glad it was helpful!
@thatrealtorharrison 3 ай бұрын
Great video!
@thatguythatdoesmortgages 3 ай бұрын
Glad you enjoyed it
@ambitiousvancouver604 4 ай бұрын
Very educational! Thanks alot!
@thatguythatdoesmortgages 4 ай бұрын
Glad it was helpful!