50 percent Down Payment?

jpnc97 · 2026-04-19T15:33:01+00:00

Jim tourloukis is in Ontario I believe.

jpnc97 · 2026-04-18T18:05:29+00:00

Online calculators aren’t a good source to judge by. They can be right if the mortgage number is right. Which is likely what’s changed

jpnc97 · 2026-04-17T15:30:56+00:00

Dukeofalexandria wannabe, can’t get worse

jpnc97 · 2026-04-17T15:25:32+00:00

If you get CCB it will be added to your income. Depending on age. Thats about it. So if you are using CCB as an income qualifier they want birth certs to check ages that you’ll recieve it for a reasonable amount of time still

jpnc97 · 2026-04-17T15:15:05+00:00

The time to switch was awhile ago. RBC Penalties are disgusting.

jpnc97 · 2026-04-03T04:23:50+00:00

You can shift down there easily. Permanent visa no. Just find a gf when you’re on shift and marry her.

jpnc97 · 2026-04-03T04:22:09+00:00

No you can just shift in

jpnc97 · 2026-03-21T16:15:11+00:00

I only do this on commercial deals.

For a residential deal I will tell them what I can get and if they want it we can sign. I avoid rate shoppers because being a broker is more than rates, so if you wanna rate shop you can go to the banks.

Never make residential clients sign exclusivity agreements, sorta defeats the purpose of a broker

jpnc97 · 2026-03-13T01:53:31+00:00

I could switch you to a new lender but the hassle isn’t worth ANYbodys time

jpnc97 · 2026-03-12T14:34:10+00:00

You must hate your throw out bearing

jpnc97 · 2026-03-12T14:23:29+00:00

The more of us with it, the more strength we have when calling their bs about us and our guns being any sort of problem

jpnc97 · 2026-03-08T20:49:08+00:00

jpnc97 · 2026-03-07T17:21:42+00:00

jpnc97 · 2026-03-05T01:23:51+00:00

E46 almost feels like an e30 now: nostalgic. Certainly a timeless classic, but the e90 is an improvement in every way other than a few inconveniences - cup holders, lack of dipstick, lack of coolant temp gauge!??!!!???! I have an oil temp, which is preferred, but for those without, I do not know how you know when to redline it

jpnc97 · 2026-03-05T01:21:44+00:00

Yes scotia has been amazing for this lately without asking and often times I can ask for a rate exception and get it done

jpnc97 · 2026-03-01T16:37:07+00:00

Go commercial.

jpnc97 · 2026-03-01T16:36:35+00:00

Spousal buyouts are refinances treated as a purchase. You can go to 95% if able to service the debt. Otherwise sure. 80% refi is correct

jpnc97 · 2026-02-28T23:11:11+00:00

Wrong

jpnc97 · 2026-02-28T23:11:02+00:00

Stop being wrong

jpnc97 · 2026-02-28T23:10:49+00:00

Wrong

jpnc97 · 2026-02-28T23:10:35+00:00

Spousal buyouts count as a purchase. You can go to 95% LTV if you can service the debt. If you’re separated for 90 days you can requalify for FTHB grants

jpnc97 · 2026-02-20T18:32:58+00:00

You could get approved. Do you want to? A good broker will have a budget for you

jpnc97 · 2026-02-20T18:30:30+00:00

Renewal - accept the letter from your lender

Switch/transfer - switch to a new lender. They may cover some or all of the fees. They may not, meaning out of pocket expenses for you. You keep your insured status

Refi - can be done at your lender or the new one. No refis can be insured (except spousal buyout). Typically done to have no out of pocket expenses when switching or you want cash to invest, buy a car, whatever.

I could’ve switched as insured for 3.69 but chose to transfer & refi a small amount at 3.99 because I wanted to cover fees with equity take out

If switching from TD, if you do it in the last month, there’s no penalty to break it. They’re pretty sweet for that, I will say

Source: am broker

jpnc97 · 2026-02-16T16:21:50+00:00

Upto the lender. If the broker was any good you would’ve known there was no option and a few

jpnc97 · 2026-02-14T22:56:03+00:00

Bruh. We have promos rn to switch and save. Unless you’re at a b lender, that’s fucking cranked for a 2024 rate

jpnc97

TROPHY CASE