Earl Smith, Your Halifax Mortgage Broker

Earl Smith || February 07, 2019

Down Payment Options and Tax Credits for First Time Home Buyers

Purchasing a home is a big financial commitment. In addition to moving costs and closing costs, most home purchases require a down payment of at least 5% of the purchase price. This is the amount of...

Earl Smith || January 02, 2019

Your Road to Mortgage Freedom

Do you dream about paying off your mortgage? The new year is usually a time when people review their finances and, if they are in debt, create a plan to reduce that debt. With interest rates rising in...

Earl Smith || December 06, 2018

The Upside of Alternative and/or Unregulated Lenders

A recent report from the Bank of Canada reviewed the impact of the government's policy changes on the mortgage market. It found that overall market activity had slowed -- something we knew would...

Earl Smith || October 12, 2018

5 Tips for Success

Guest Blog by: Mark Kerzner, President TMG The Mortgage GroupA colleague asked me recently if I could share a couple of things that I do each week that helps me to be successful.I often look to others...