by admin | Jun 9, 2026 | Uncategorized
Summary: How does credit card debt affect mortgage approval? Credit card debt can affect your mortgage approval in Canada in two main ways. First, lenders include your monthly credit card payment when calculating your Total Debt Service ratio, which can reduce how...
by admin | May 20, 2026 | Uncategorized
Yes, you can still buy a home in Lethbridge with less than 20% down in 2026. In fact, many first-time buyers across Alberta purchase homes with much smaller down payments. While putting 20% down does have advantages, it is far from a requirement for most homebuyers....
by admin | Mar 18, 2026 | Uncategorized
Can You Use a Co-Signer for a Mortgage in 2026? Yes — in Alberta (and across Canada), you can still use a co-signer to qualify for a mortgage in 2026. In fact, it’s becoming more common as home prices and lending requirements continue to challenge first-time buyers....
by admin | Jan 6, 2026 | Uncategorized
Buying your first home in 2026 comes with a new set of considerations. While some fundamentals of homeownership remain the same, the Canadian housing and mortgage landscape continues to evolve. From lending rules to buyer expectations, first-time purchasers need to be...
by admin | Dec 2, 2025 | Uncategorized
In Alberta, most mortgage pre-approvals in 2026 last between 90 and 120 days. Some lenders may offer shorter or longer holds, but the standard window is about three to four months before you need to renew or reapply. What a Mortgage Pre-Approval Actually Guarantees A...
by admin | Oct 20, 2025 | Uncategorized
For most Albertans, buying a home is one of the biggest financial decisions they’ll ever make. But a mortgage isn’t just a way to purchase property — it’s also a powerful financial tool that can shape your long-term goals, savings strategy, and overall financial...
