An earnest deposit is a sum of money given to bind the sale of real estate, or a sum of money given to ensure payment or an advance of funds in the processing of a loan.
To refinance or to renew
– this is the question.


Call us and our dedicated professionals will let you know if it’s time for refinancing your mortgage, what options you have and how to proceed in order to get the best value for your money.


Applying for a mortgage shouldn’t be hard or confusing,
How long does the mortgage process normally take?
If we are able to get the necessary documentation, we might be able to get an approval in as little as 24 hours. Keep in mind, the longer it takes for us to receive your documents the longer your approval will take to secure. Take a look at our mortgage checklist, for a summary of what you’ll likely need to provide.
Can I transfer my mortgage if I buy another home?
Depending on your mortgage lender, yes. Most lenders are now offering options that allow you to take (or “port”) your mortgage with you. Typically you will not be assessed additional fees if the possession period between your old and new home is 60 days or less.


You guys, rock!
Thank you.
Garnet Dickinson
Carrie Mayhew


Karyn Mackenzie


Blog + Video
Here’s some more on Mortgage Renewal and Refinancing!


Yeaaaaah mortgage!
Whether you’re self employed, or buying a home for a new family, we have the perfect mortgage option for you.