Earl Smith, Your Halifax Mortgage Broker

Earl Smith || May 09, 2017

What's Going on with my Appraisals?

Changes in mortgage rules for home buyers and insurers certainly have had an impact on the housing market, and those changes have impacted property appraisals as well. Conventional mortgages – up...

Earl Smith || April 04, 2017

Debt and Debt Settlement Services

The debt-to-income ratio has hit the headlines again. This time the ratio rose to 167.3 % in the fourth quarter of 2016 compared to 166.8% in the third quarter. That means for every dollar of...

Earl Smith || March 14, 2017

The Four Types of Creditor Insurance

Home is more than a place you live. It’s your family’s haven from the world. But what if something happened to you? What would happen to the home you’ve invested so much in? You wouldn’t think about...

Earl Smith || February 07, 2017

Alternative Lenders go Mainstream

For some, getting a mortgage from a bank has become a bit more challenging – even if your credit score is good If you don’t qualify using the benchmark rate, regardless of what mortgage rate and...