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Mortgage Broker Kelowna

By https://mortgage-broker.kelowna-bc.ca/ – Mortgage rates are low, home prices are down, but getting a mortgage is more difficult than ever because the banks always make money.

Pre-approval
The first step in obtaining a mortgage is to get pre-qualified. The pre-approval will give you a semi-realistic view of what a bank will offer. Beware – Target a value less than the maximum the bank dangles in front of you. That amount is really a teaser amount.

Determining Your Desired Loan Terms
Once you find a property, have the bank give you a Good Faith Estimate (GFE), with several scenarios. The estimate will disclose closing costs and estimate monthly payments based on the mortgage option you choose. The bank can run a number of scenarios. Beware – Some Kelowna mortgage broker companies will ask for fees to provide you with a GFE. GFEs should be free. Keep shopping. Also, I found that actual mortgage payments are several hundred dollars higher than any scenario the bank provided, even though the sale price was lower than used in the estimate. Watch closely and demand explanations.

Locking In Your Interest Rate
Once a contract is signed, the bank will require basic financial documents: two years tax returns, two months bank statements and pay stubs, and written verification that you have down payment funds. The bank will send a loan packet of documents to sign. At this point, banks require a non-refundable appraisal fee. Beware – The bank will ask for the non-refundable fee immediately. Don’t give the bank anything until the sales contract is signed. Also, read all documents closely as the bank will sneak in useless extras, like an insurance plan as a PMI backup. Useless overkill to make the bank money.

Underwriting
The banks now want to know everything – updated bank statements and pay stubs, explanations of every credit inquiry over the last six months and every bank deposit over $100, and h.s transcripts. You will also receive the bank requested home value appraisal. Contrary to recent years, the contract price, and tax assessor value, is often higher than sale appraised value. If this happens, the buyer now has significant bargaining power to ask for a price reduction because of the sale appraised value. Beware – The bank will tell you to pay the difference rather than renegotiate. Don’t. Listening to the bank’s advice benefits only the bank. Renegotiate or walk away.

Banks will make money, the trick is to save yours.

Best Kelowna SEO Practices for 2017

By – http://kelownaseo.pro/ – Having your website rank on the first page of search engines is every business owner’s dream. This most often translates to new visitors and ultimately, new business. Every website owner should, therefore, strive to put in the necessary effort to ensure that their website is optimized for search engines. The process of doing this is called Search Engine Optimization(SEO). This article explains how SEO helps in making your website achieve this.

Methods of performing SEO keep changing. It is, therefore, crucial to keep updating yourself with the latest methods that are working. You need to optimize your images, URLs and text for search engines. The importance of creating good quality content, consistently cannot be over-emphasized. Search engines love blogs is because of this.

Search engines results consist of three main parts: A meta title, a domain name and a meta description. Do not forget to include the keyword in the meta title. Make sure that all your website/blog pages have the above elements.

You can also invest in paid SEO. This is commonly referred to Search Engine Marketing. This is an off-site kind of SEO. The website/blog owner pays search engine companies in order to rank high in the search results. The more money you invest in this against your competitors for a certain keyword, the higher you will rank.

Getting a successful website to add a link to your website or blog is also another way to boost your SEO. This is called a backlink. A site with many higher quality backlinks does better in search engines.

Rename the photos before using them on your site. This will help your site higher through your photos. Also, the photos will act as links to your website.

If you have a website or a blog, use the above methods to boost its search engines visibility. Kindly note that the above list is not exhaustive. Look out for other methods of performing SEO.