Ruby Fan - Mortgage Broker

Ruby Fan || March 07, 2020

Recent changes may be good news for homebuyers

We’ve had back-to-back changes recently in the mortgage world – one direct, one indirect. The benchmark rate used to qualify will change downwards starting April 6, 2020, and the Bank of Canada...

Ruby Fan || January 27, 2020

Know Your Words – Mortgage Words, that is

Buying a home is a big investment. With so much at stake, it’s important learn what you can about the homebuying process as well as understanding the "language” of mortgage lending. A recent...

Ruby Fan || January 08, 2020

Reduce your holiday debt

Happy New Year! As we enter this new decade, do you have some spending regret? You promised to stick to a budget; you promised to scale down and have an old-school, back-to-basics, holiday. But some...

Ruby Fan || December 05, 2019

Some predictions for the 2020 housing market

We have seen many challenges in the housing market over the past few years. Housing prices have been up and down; housing sales were down but have rallied in many areas of the country in the last half...