When you’re preparing to buy a home, it’s easy to get confused by mortgage terminology—especially when it comes to “pre-qualification” and “pre-approval.” At Rampone-Marsh Mortgages, we believe clarity builds confidence. Here’s what you need to know about the difference between these two steps, and why one carries far more weight when you’re ready to start…
Choosing the right mortgage is one of the biggest financial decisions you’ll make, and havingthe right broker on your side makes all the difference. At Rampone-Marsh Mortgages, webelieve in transparency, trust, and clear communication. Before you begin your application, hereare the key questions we believe every homebuyer should ask—so you can feel confident andinformed at…
The Kelowna real estate market continues to shift, and for many homebuyers, understanding what’s happening can feel challenging. At Rampone-Marsh Mortgages, we believe that informed decisions come from honest, straightforward guidance. That’s why we’re sharing the key trends we’re seeing right now—and how they may impact your next move. Rising Inventory Means More Opportunities for…
Rates Are Changing — Your Strategy Should Too If your mortgage is up for renewal in 2026, this will not be the year to accept the first offer your lender sends. Many homeowners in BC and Alberta are coming out of historically low-rate mortgages from 2021–2022, and renewal rates today could be much higher —…
Buying a home in the beautiful Okanagan Valley, or anywhere across BC or Alberta, can be exciting—but maybe a little overwhelming? We find that many buyers could potentially make mistakes that cost them time, money, or stress. One of the biggest pitfalls? Trying to navigate the mortgage process without expert guidance. Here’s what you need…
Why Now Might Be Your Moment After years of uncertainty, 2026 is shaping up to be a more balanced year for first-time homebuyers. Interest rates dropped in October, and the housing supply remains strong in cities such as Kelowna, Vernon, Calgary, and Edmonton. There are also additional government incentives to support new buyers. The Challenges…
We’re Here to Help You Make the Right Decisions Buying a home in Kelowna or anywhere in British Columbia is exciting, but it can also feel overwhelming. At Rampone-Marsh Mortgages, we want to make sure you feel confident every step of the way. One way to do that is by asking the right questions when…
Kelowna continues to be one of BC’s most desirable places to live and invest. With its growing business community, outdoor lifestyle, and fabulous scenery, real estate here offers long-term value. At Rampone-Marsh Mortgages, we work with many clients who are looking to purchase properties for long-term investment, whether that’s a rental condo, multi-unit property, acreage,…
Looking Ahead at Kelowna Real Estate Kelowna’s housing market continues to evolve in late 2025, shaped by interest rates, buyer demand, and population growth in the Okanagan. At Rampone-Marsh Mortgages, we keep a close eye on these changes so our clients are prepared for what’s ahead. As we look toward 2026, there are several trends…
When traditional banks or financial institutions aren’t the right fit, private lending can provide the financing you need. At Rampone-Marsh Mortgages, we specialize in guiding clients through private home mortgages, helping you understand your options and find the solution that works best for your unique situation. What is Private Lending? A private mortgage means securing…
Buying your first home is exciting, but it can also feel overwhelming. At Rampone-Marsh Mortgages, we specialize in helping first-time homebuyers navigate what may seem like a complicated process to financing this big purchase. Our goal is to help you find the best rate with personalized advice tailored to your unique financial requirements. Personalized Guidance…
Welcome to Rampone-Marsh Mortgages, where trust, transparency, and personalized service are at the heart of everything we do. We understand that getting a mortgage isn’t just a financial transaction—it’s a major life decision. That’s why our approach is client-focused, ensuring every step feels personal, informed, and stress-free. Serving Kelowna and Beyond Proudly serving clients in…
