Spring is a great time for cleaning out your home and your finances. A part of this for many people includes refinancing your mortgage. There are a variety of reasons to refinance, which can range from wanting to leverage large increases in property value or get equity out of the home for renovations. In some cases it could be due to life events such as divorce, a new relationship, kids going off to college or simply consolidating debt.

Once upon a time there was a dedicated guy that had been working tirelessly in the food and beverage industry and needed a change. He saw an opportunity to bring his expertise in client care (think fine dining) to a new industry – an industry that was lacking in top-notch service. A decade ago Stefan Cherwoniak ventured into the mortgage industry confident that he could make change.

Skating is a fun Canadian past time. Learning to skating is part of growing up in Edmonton. The City of Edmonton provides free Learn-To-Skate programs on many community rinks. They are a fun time of learning basic skills and playing games on the rink. The program is targeted for children and families but everyone is welcome. Bring your skates and a CSA approved helmet to join in.

Collecting the right documentation to prove you are a worthy candidate to borrow a lot of money to buy a property can be an arduous task. The most recent government rule changes and tightening of mortgage qualification isn't making things easier. If you seem to think that there is no end to the documents lenders want to see before funding a mortgage, you're right, they ask for a lot. But the truth is, that's just the way it is now, borrowing money isn't an easy process.

It is never too early to be thinking of next school year. If you child is starting Kindergarten, or making the move to Junior High or High School going to an open house can help you decide where to enroll them.

It's cold out there. The Coldest Night of the Year is a family-friendly walk that raises money for charities serving hungry, homeless, and hurting people in our community. Walk event is on February 22, 2020!

A lot of people get into hot water when they assume that because they've qualified for a mortgage in the past, they will qualify for a mortgage in the future. This article has one point to make and it's this: