Is 2016 the year you focus on finding your ultimate dream home? If so, let's get together now to go over the steps necessary to put your finances in order, and ensure you're in the best position possible for a smooth and successful mortgage experience when you do find that perfect property.

The emphasis should be on working on your credit score. A credit score is a number, available to you from credit-reporting agencies Equifax Canada (www. equifax.ca) and TransUnion Canada (www.transunion. ca) that illustrates your financial health for the purposes of securing a mortgage. You can request an online copy of your credit score as well as your credit report (a detailed summary of your credit history, employment history and personal financial information on file) for a fee, or receive a copy of your credit report by mail for free.

In addition to reviewing the impact and opportunities credit scores can have on a mortgage loan, we can also go over the benefits of getting a pre-approval letter from your lender to help you stay on budget, and make the home buying experience go smoothly.

Celebrate the New Year with new and exciting moving plans. Please call today to get started!