How a closing comes apart A closing rarely dies in one dramatic moment. It comes apart in small increments. An appraisal comes in light. A condition is added late. An employment letter reads differently than the application suggested. … Read More »

Haunted is not the same as damaged Payment history is an important part of a credit profile. Missed payments, collections, consumer proposals and bankruptcies can remain visible for years and generally require time to recover from. Cr … Read More »

Every mortgage broker has a few skeletons hiding in their CRM. They are not bad clients or impossible deals. They are the files you scroll past because the last conversation ended with an uncomfortable problem and no obvious solution. … Read More »