Your Mortgage Roadmap: Plan Smarter with Our App

General 18 Sep

Buying a home is one of the biggest financial decisions you’ll ever make — and it’s natural to wonder “what if?”

What if interest rates go up?
What if you make extra payments?
What if you choose a shorter or longer term?

Our mortgage app is designed to help you explore these “what if” scenarios with ease. Think of it as your personal mortgage roadmap. With just a few taps, you can see how small changes today could impact your financial future, giving you the confidence to make informed choices before you even get the keys.

Whether you’re a first-time homebuyer, planning a refinance, or just curious about how different options might shape your journey, the app puts knowledge at your fingertips. Instead of guessing, you’ll have a clear path forward — one that’s aligned with your goals and lifestyle.

Ready to take the guesswork out of your mortgage planning?
Download the app today and start mapping out your best path forward.

https://dlcapp.ca/app/michele-mcgarvey/download

– Michele McGarvey Team, Dominion Lending Centres

Why Your Credit Score Matters More Than You Think

General 9 Sep

When it comes to buying a home, many people focus on saving for a down payment or finding the right property. But there’s another piece of the puzzle that plays a huge role in your mortgage options: your credit score.

Your credit score is essentially a snapshot of your financial reliability. Lenders use it to decide not only whether to approve your application, but also what kind of interest rate you’ll receive. A higher score signals lower risk for the lender, which often translates into lower rates and better terms for you. Over the life of a mortgage, this can add up to thousands of dollars in savings.

The good news? Your credit score isn’t set in stone. Making payments on time, keeping balances low compared to your limits, and avoiding unnecessary new credit can all help improve your score. Even small changes can make a noticeable difference over time.

If you’re planning to buy a home, your credit score should be part of your strategy. Understanding where you stand—and how to strengthen it—can put you in the best position when it’s time to apply for a mortgage.

 

– Michele McGarvey Team, Dominion Lending Centres

Fall: The Perfect Season to Focus on Your Home Goals

General 5 Sep

As the school year kicks off and families settle into their new routines, fall brings a fresh opportunity to focus on your housing plans. The hustle of summer moves and vacations slows down, making it an ideal time to think about what your next home chapter looks like.

Maybe your family needs more space for growing kids or a quieter neighbourhood close to their new school. Perhaps you’re ready to transition from renting to owning, building equity, and creating a home you love. Whatever your goals, fall’s stable routines and predictable schedules can make the home-buying process feel more manageable.

Getting pre-approved for a mortgage now can put you ahead of the curve when the market picks up again. It means you’ll shop with confidence and move quickly when the right home appears.

Remember, this season of new beginnings is more than just a fresh school year — it’s your chance to set the foundation for your family’s future. If buying or refinancing is on your mind, reach out. We’re here to help guide you every step of the way.

Fall into your perfect home this season — because every great journey starts with a solid first step.

 

– Michele McGarvey Team, Dominion Lending Centres