Forget what you knew about mortgages

The most recent government changes to mortgage qualification through CMHC has really muddied the waters in the mortgage world so to speak.  Not only is it harder to qualify for a mortgage now (you will most likely qualify for 20% less), it’s so much harder to understand how mortgages are qualified and what products are actually available to you.

Here is a short list, if you can be described by any of the following situations, we should talk!

  • You currently own a home with a mortgage that will be renewing in the two years
  • You are a variable rate mortgage holder, considering locking into a fixed rate
  • You have been preapproved for a mortgage in the last year, but your preapproval has expired
  • You have been using on online mortgage calculator to see if you qualify for a mortgage, but haven’t spoken with a broker yet
  • You have been preapproved at your local bank or credit union
  • You want to buy a house, you hear all the hype in the media, and have no idea who to turn to

My name is Ashley Goddyn, I’m a mortgage advisor with Xeva Mortgage, and I would love to help you better understand your financial situation as it relates to mortgage financing.  As a mortgage broker, I work with many lending institutions across Canada, and have access to many different products, products that aren’t available to your average banker. So, instead of simply walking into your local bank branch; where your banker works for the bank, and is limited to the products of a single institution, I work with your best interest in mind and represent you to several institutions.


Ashley Goddyn
Everyone deserves the value of property ownership. When shopping for financing, it’s not the lowest rate that’s going to get you to your goals, it’s the right advice at the right time working with the right strategy that is. Hi, I'm Ashley Goddyn, when I'm not helping my clients finance property, I can be found investing in real estate, loving life as a wife and mother, living a Paleo lifestyle, tackling DIY projects and shopping for home decor. Oh, and sometimes I find time to sleep! Sometimes...

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