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Canadian Real Estate/Questions Answered by Expert Cinzia Dalgarno
| Subject | Date Asked |
| What taxes necessary? | 8/29/2010 |
| Q: I am a US citizen purchasing property in New Brunswick from another US citizen. It will be for ... A: Based on the info you've provided, the taxes involved in the purchase of the home will include HST ... | |
| buying a house in Ontario, Canada | 7/2/2010 |
| Q: I am Canadian living in the US with dual citizenship, does this make it harder for me to buy ... A: Lenders distinguish between residents and non-residents when approving a client for a mortgage; a ... | |
| Mortgage in another province | 6/18/2010 |
| Q: My husband and I are looking to move to Newfoundland from Alberta. Do I look for mortgage lenders ... A: You need a broker who can do mortgages in Newfoundland to help you - no, you don't have to go to ... | |
| Petty trespass | 5/26/2010 |
| Q: I live in Calgary, Alberta. I have a neighbor who likes to hang her laundry over our shared fence. ... A: It sounds like you have an ongoing issue with this neighbour. Unfortunately, I can't help you with ... | |
| porting mortgage to new home construction with delay | 5/10/2010 |
| Q: This is a fantastic site. Thanks for taking the time to answer! My husband and I renewed our ... A: I'm afraid there doesn't seem to be an easy way out, based on the info you've given me. What you ... | |
| mortgage offer | 3/5/2010 |
| Q: I would like to make an offer on a home that is at the maximum of my price range so money is very ... A: Part 2: Hello again. I wanted to clarify that not knowing your exact details, my advice may not ... | |
| Porting without a downpayment | 2/21/2010 |
| Q: I am impressed with your responses to other writers, so was hoping to get your feedback on this ... A: It would be a good idea to port your existing mortgage to your new home. However, unless the new ... | |
| Canadian Property Owned by US Citizen | 2/11/2010 |
| Q: My dad and brother own property in Matheson Ontario. Both names are listed on the deed. My dad ... A: My condolences on your Dad's passing. I would suggest you contact a canadian real estate lawyer ... | |
| Porting Mortgage | 1/10/2010 |
| Q: We bought a row townhouse and moved in 08/28/09. We are second from end of row-in middle. Our rate ... A: Below is a breakdown of the financial side of selling and buying a home. I would strongly recommend ... | |
| Mortgaging from Canada living in Uk | 11/30/2009 |
| Q: could you please provide me information on buying a property in Hamilton Ontario Canada whilst ... A: As you will see from past answers on this same subject, a non-resident buying a home in Canada faces ... | |
| non resident mortgage | 10/25/2009 |
| Q: do you know if it is possible to get a mortgage on a property in Canada if you are a non resident? I ... A: Non resident mortgages are indeed available. You will have an easier time of getting a mortgage as a ... | |
| foreign land | 8/20/2009 |
| Q: The question I have is a bit confusing but Hope you are able to help me understand how this works. ... A: A mortgage can be in a company name. The credit will be authorized, however, based on the strength ... | |
| Mortgage after bankruptcy | 8/19/2009 |
| Q: My husband and I are discharged (March 2008) bankrupts. We have been trying to get approval from ... A: and I realized that with all the information I gave you, I neglected to actually answer your ... | |
| oversea company buy condo/loft in Toronto,Ontario | 8/19/2009 |
| Q: I'm interested in buying a condo/loft in Toronto,Ontario using my oversea company. What are the ... A: If you register your company in Canada, then it is not really a "foreign" business. That is to say, ... | |
| oversea company buy condo/loft in Toronto,Ontario | 8/18/2009 |
| Q: I'm interested in buying a condo/loft in Toronto,Ontario using my oversea company. What are the ... A: You will have a tough time finding a lender who will allow you to obtain a mortgage in the name of a ... | |
| US Citizen buying condo in Quebec | 8/7/2009 |
| Q: My wife and I would like to buy a particular condo in Quebec -- to lease out for a few years but ... A: My computer is saying I didn't answer this question...but I have the copy of the answer on file, so ... | |
| Mortgage penalties | 8/6/2009 |
| Q: I currently have a CMHC insured mortgage and am just entering the 4th year of a 5 year term. We ... A: Yes, you're right, CMHC did indeed have such a policy at one time; unfortunately, this policy was ... | |
| Common-Law Purchase | 7/28/2009 |
| Q: My question is in regards to ownership entitlements and obligations when two people are ... A: Your situation is complicated legally. Firstly, if you were pre-approved for a mortgage, I fail to ... | |
| Mortgage transfer | 7/23/2009 |
| Q: I currently own two investment properties with a partner. We are interested in starting an LLC to ... A: While not everyone on a mortgage must be on title, everyone on title must be on the mortgage (well, ... | |
| CMHC mortgage insurace.... | 7/17/2009 |
| Q: Last week friday we went into our local credit union for a mortgage on an acreage outside of town. ... A: The bank has given you a pre-approval, and then after the fact, has indicated to you that there ... | |
| CMHC mortgage insurace.... | 7/17/2009 |
| Q: Last week friday we went into our local credit union for a mortgage on an acreage outside of town. ... A: First, regarding CMHC: their policy states that one must have a minimum beacon score of 610, for 90% ... | |
| Mortgage Rates | 7/13/2009 |
| Q: My bank offered me 4.49% on my mortgage renewal. Is this a good rate? I really want the best rate ... A: 4.49% is a fairly good rate at the moment. You could possibly get a rate as low as 4.09%, but that ... | |
| acreage limit | 7/1/2009 |
| Q: i live in the us and ive been looking at an recreational site on hunting grounds.is there a limit on ... A: My apologies for answering you a bit late...I've been trying to get info from the U.S. Embassy here ... | |
| Real Estate - Capital Gains | 6/30/2009 |
| Q: I apologize if this is not your area of expertise but I thought I would ask you the question anyways ... A: You're right, of course...my expertise lies in all things mortgages...but I've checked with a ... | |
| transfering title deed on house | 6/29/2009 |
| Q: NB Canada for a $1.00. We are both from US. What are the Canadian laws re: transferring title ... A: My expertise lies in all aspects of obtaining a mortgage for a property in Canada...however, I have ... | |
| mortgages | 6/25/2009 |
| Q: I'm going to be moving to Alberta in September on a company transfer. I'm hoping to buy something, ... A: You should start researching your mortgage options as soon as possible. Most lenders offer a 90 to ... | |
| Mortgage License | 6/22/2009 |
| Q: I work for a mortgage company based out of Houston, TX. Can we do business in Canada on our broker ... A: Each province has different guidelines; in British Columbia, mortgage brokers are governed by the ... | |
| Mortgage License | 6/19/2009 |
| Q: I work for a mortgage company based out of Houston, TX. Can we do business in Canada on our broker ... A: Unfortunately, in order to be a Mortgage Broker in Canada, you need to be licensed in Canada. If you ... | |
| Non-resident property purchase | 6/18/2009 |
| Q: My Canadian daughter is married to an American, both are working and living in California. We would ... A: I've looked into this further. I have a lender who, given the client is a Canadian Citizen, and ... | |
| pre-foreclosure | 6/9/2009 |
| Q: I was wondering about trying to buy a house that was in pre-foreclosure. I have looked at a few ... A: I should clarify first, that I am a Mortgage Broker. Thus, my expertise lies in helping you with all ... | |
| Buying Property | 6/9/2009 |
| Q: I'm considering buying property in Canada. How much should I pay? A: I should clarify first of all that I am a mortgage broker, not a realtor. My first suggestion, if ... | |
| Breach of Contract? | 6/9/2009 |
| Q: I am a Canadian non resident. I have recently sold a house that was my principal residence from ... A: First, I should clarify that I am a Mortgage Broker rather than a Realtor; my expertise lies in the ... | |
Cinzia Dalgarno
Top Expert on this page
Expertise
I can provide information and assistance on all aspects of obtaining a mortgage in Canada. I can clarify the requirements for both resident and non-resident borrowers, and address virtually any question or concern regarding financing your purchase of a Canadian property. I have access to a wide variety of lenders, and will obtain the mortgage product that best suits your needs. My considerable experience, coupled with an extensive network of industry professionals will serve to make buying a home in Canada a simpler and more comfortable experience. mortgagebycinzia@gmail.com;
Experience
During my 26 years in the mortgage industry I have gathered a wide range of business contacts; from A-level banks to private lenders, realtors, lawyers and notaries, and am very familiar with the numerous products offered. An extensive understanding of Canadian lending practices has shown me the importance of having an Accredited Mortgage Professional working for you.
Organizations
Member of CAAMP;
Member of MBABC
Education/Credentials
A.I.C.B. (Associate Degree, Institute of Canadian Bankers);
AMP (Accredited Mortgage Professional)
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