Brianna is back with timely information for Canadian First Time Homebuyers: Coming into effect December 14, 2024, first-time buyers in Canada will have access to 30-year amortizations on insured mortgages. Also released were details about the insured mortgage cap which is now $1.5 MM compared to the previous $1MM maximum purchase price. Listen in t…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! We are continuing our series about the house as a structure and describing the component of electricity. Check out our FREE class Homebuying Chaos Unwrapped! It's located at TheFirstTimeHomeBuyerWorkshop.com. I'm waiting for you! Should you want to be notified about our podcas…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are starting a new series about the house as a structure and describing the component of the house known as the "Foundation" and types of foundations. Check out our FREE class Homebuying Chaos Unwrapped! It's located at TheFirstTimeHomeBuyerWorkshop.com. I'm waiting f…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about a term in land use law called "A Variance". Check out our FREE class Homebuying Chaos Unwrapped! It's located at TheFirstTimeHomeBuyerWorkshop.com. I'm waiting for you! Should you want to be notified about our podcasts in your email go to …

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about "Community Groups and How They Effect Change". We are building on our knowledge and our homework from the last pod and today I'm excited to talk about "community groups" Check out our FREE class Homebuying Chaos Unwrapped! It's located at …

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about "Zoning Codes and some Real Live Examples". We are building on our knowledge and our homework from the last pod and today and zoning codes are the implementation tool used in the planning process. Check out our FREE class Homebuying Chaos …

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about "Land Use Designations as part of the General Plan". We are building on our knowledge and our homework from the last pod The General Plan - what is it and we are diving deeper into Land Designations which you will want to know about. After…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about "A General/Master Plan - What is it?". This is a new series all about Location, Location, Location! Your Homework.... yes you have homework! Go to the area or town where you are thinking of buying take a look at the document and the map as…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about "Health Issues In Homes". If you want to know what the disclosures are for methamphetamine labs in the United States go to the following link - give me your email and I will send you the process so you know what to expect! https://www.thef…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about "The Closing Period". If you want to know what the particulars are in your state go to the following link - give me your email and I will send you the process so you know what to expect! https://www.thefirsttimehomebuyerworkshop.com/offerp…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about Escrow Money and the Escrow Period! If you want to know what the particulars are in your state go to the following link - give me your email and I will send you the process so you know what to expect! https://www.thefirsttimehomebuyerworks…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about "Due Diligence". If you want to know what the particulars are in your state go to the following link - give me your email and I will send you the process so you know what to expect! https://www.thefirsttimehomebuyerworkshop.com/offerproces…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about "The Offer Process". If you want to know what the particulars are in your state go to the following link - give me your email and I will send you the process so you know what to expect! https://www.thefirsttimehomebuyerworkshop.com/offerpr…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about the difference between a Comparative Market Analysis verses an Appraisal verses Buyer Preferences. Your Homework.... yes you have homework! Start tracking the houses in your area - what the asking prices is, what the sold price is and the …

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about the Uniform Residential Appraisal Form - Part Two. This is great information for you savvy first time homebuyer! Your Homework.... yes you have homework! Start tracking the houses in your area - what the asking prices is, what the sold pri…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are and we are talking about the Uniform Residential Appraisal Form - Part One. This is great information for you savvy first time homebuyer! Your Homework.... yes you have homework! Start tracking the houses in your area - what the asking prices is, what the sold pri…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are defining What to do if the Appraisal come back LOW so you will add a little more knowledge to your homebuying jar. Your Homework.... yes you have homework! Check out our FREE class Home buying Chaos Unwrapped! It's located at TheFirstTimeHomeBuyerWorkshop.com. I'm…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are defining Types of Property Appraisal Methods so you will add a little more knowledge to your homebuying jar. Your Homework.... yes you have homework! Research and watch, in your area, what the seller is asking and the price for which it sells. This will be GOLD wh…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are defining "Liens" so you will add a little more knowledge to your homebuying jar. Your Homework.... yes you have homework! Think about how you will want to hold title to your property because if you stick around I know you will be a homeowner that doesn't have home…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are defining Estates - Freehold & Non-freehold so you will add a little more knowledge to your homebuying jar. Your Homework.... yes you have homework! Think about how you will want to hold title to your property because if you stick around I know you will be a homeow…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are defining tenants in common so when you pick up the phone, walk into an open house you are in control of your homebuying journey! Your Homework.... yes, you have homework! Talk with the person you are buying the property with if you are and discuss the pros and con…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are defining "tenants in the entirety" so when you pick up the phone, walk into an open house you are in control of your homebuying journey! Your Homework.... yes you have homework! Start looking over your budget and everything you spend your money on. Should you want…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are defining joint tenants so when you pick up the phone, walk into an open house you are in control of your homebuying journey! Your Homework.... yes you have homework! Start looking over your budget and everything you spend your money on. Should you want to be notif…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are defining closing costs so when you pick up the phone, walk into an open house you are in control of your homebuying journey! Your Homework.... yes you have homework! Start looking over your budget and everything you spend your money on. Should you want to be notif…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are talking about what an amortization schedule is and unpacking how much the house you are thinking about is REALLY going to cost. There are a few tricks to know about so take a listen so that your are in charge of this homebuying journey! Should you want to be notif…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are defining "Interest Rates" and how it effects your homebuying process so when you pick up the phone, walk into a bank look on line you are in control of your homebuying journey! Your Homework.... yes you have homework! The next episode is to notice what the news is…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are defining what the Federal Reserve does and why they are an important function when you are buying a house. Your Homework.... yes you have homework! The next episode we will be talking about interest rates and I want you to visit three banks: a large international …

Are you making the minimum payments on time, on all your debts, but still seeing your credit score decline? You might be using too much credit. In today's episode, Brianna talks about credit utilization. She discusses: Credit utilization: What it is How it's measured What to do if your credit utilization is too high Resources: More about credit uti…

Welcome to The First Time Home Buyer Workshop Podcast with Julie Marion! Today we are defining what a preapproval letter is and is not, what a pre-qualification letter is and is not and what a fully underwritten pre-approval letter is. We will also explain why pre approval letters vary between banks in terms of what it means, and the criteria used …

In this week's episode, Brianna and Alex, a fellow mortgage agent, chat about timely topics affecting mortgage holders and homebuyers in the Spring of 2024. Connect with Alex Instagram @Alex_Mohr Connect with Brianna: Instagram: @briannagoslinmortgages Email: briannagoslin@gopineapple.com If you enjoyed this episode, please leave a review on your f…

In this episode, discover the benefits of working with a mortgage agent for Canadian first-time homebuyers. Learn why rate shopping without guidance is unwise and explore: Why a mortgage agent is essential for your credit: Understand the pivotal role of a mortgage agent in safeguarding and optimizing your credit score. The value of post-close suppo…

Congratulations! You've saved your downpayment, and you're ready to buy... but how much more cash will you need to close on your first home purchase? Listen in to learn: How to determine your minimum downpayment amount How to calculate your closing costs How much cash you need to close your first purchase Resources: Check out this minimum downpayme…

Fixed or variable rate mortgage in 2024? Which one is right for you? In today's episode, Brianna explains: how the fixed interest rate is determined how the variable interest rate is determined pros and cons of each mortgage product PLUS Which mortgage product first time homebuyers are choosing most often in March 2024. Questions? Connect with Bria…

Did you know that what you qualify for, may not be what you can actually afford? Listen in to learn more. Connect with Brianna on Instagram @briannagoslinmortgages Send Brianna an email: briannagoslin@gopineapple.com Learn more about minimum downpayment requirements: https://podcasts.apple.com/ca/podcast/talk-downpayment-to-me/id1670967579?i=100060…

2023 was a rough year for first-time home buyers, yet most of my clients were first-time buyers! Curious about how they did it? My buyers leveraged: Gifted Downpayment The Canadian Homebuyer's Plan and The First Home Savings Account Cosigners and Guarantors Want to get started? Reach out at briannagoslin@gopineapple.com to start your pre-approval o…

You've gone house hunting, you've found " The One", you've submitted your offer and finally, OFFER ACCEPTED! But what's next? Listen in to learn: What happens before fulfilling the condition of financing What a lender is looking at during the condition of financing Why you may still need to submit documents to your mortgage professional at this tim…

In this timely episode, Brianna talks about the role of proper pre-approval in the first homebuying process as it pertains to the Spring 2023 market. Listen in to learn: What's going on in the Real Estate Market right now The offer process How to prepare for a multiple-offer situation How Brianna works with First Time Homebuyers, (AND gives them a …

Emily Cerilli aka @sudburyrealtor.emily, visits the pod to chat: The Sudbury, Ontario market and the opportunities that exist in the Northern community HOUSE HACKING: What it is, and why you should explore this opportunity to add income to your mortgage application and get into the market quicker. Cochrane’s $10.00 building lot offering First-time …

Lesli Gaynor and Parimal Gosai, realtors and creators of the Husmates app, drop in to chat: the benefits of co-ownership and the diverse opportunities that open up with this model of homebuying how it works and where to start What’s next for Husmates and what we need now in Canada to promote more affordable housing Check out Husmates: https://www.h…

Suzy Fernandes-Arruda, BDM at Home Equity Bank (Home of the CHIP Reverse Mortgage), chats with Brianna about reverse mortgages, myths and false impressions, and how to accelerate your home ownership journey with a little help. Learn more about CHIP Reverse Mortgage here: https://www.chip.ca/ Check out the Reverse Mortgage Calculator here: https://w…

Brianna chats with Nicole Montgomery @raddestrealtor about first time buying, and what’s happening RIGHT NOW in the Canadian real estate market. Listen in for: Nicole’s home ownership story Why you should be tracking BOTH data and consumer sentiment while preparing for a first home purchase Which numbers actually matter to first-time buyers Setting…

Seif El-Sahly drops by Homeowner AF to talk about how his company, Newfore Inc., is helping homeowners leverage their existing properties to: create more housing units in our most populated Ontario cities generate income for their financial goals (you may be surprised at just how much!) support mutli-generational living Stick around for Seif’s insi…

Muskoka realtor with Coldwell Banker, Kari Clark, stops by the pod to explain the new TRESA regulations how they will affect Ontario homebuyers Kari’s advice for first-time homebuyers looking forward to 2024 Connect with Kari on Instagram @kariclarkhomes Connect with Brianna on Instagram @briannagoslinmortgages https://maps.app.goo.gl/bRnx3wjPmw4yb…

Today, in the fourth and final episode of The Homebuying Series, Alma Aquino and Emerson Munsayac from the Pineapple family chat with Brianna about: Why you need insurance: point blank, period. When you should get life insurance What options are available to you Words of wisdom for first-time buyers in 2023 and beyond Want to learn more about Pinea…

Lawyer and owner of Douglas Law Firm, Melissa Douglas, drops by the pod to chat about: what to expect at the lawyer’s office for your first purchase Who qualifies as a "First Time Homebuyer" how to protect yourself when purchasing with a partner things to keep in mind when purchasing after divorce Melissa's entrepreneurship journey and her words of…

This week, Brianna welcomes Corey, a local Muskoka Realtor They chat about: What to expect when house hunting Where to start Rural living and Muskoka real estate Tips when buying in a new municipality Check Corey out on Instagram @boughtwithbrown DM Brianna @briannagoslinmortgages on Instagram Get your money tracker at briannagoslin.com https://map…

This week, Brianna gives you the rundown on pre-approvals. what to expect what documents you need why you absolutely need to be pre-approved before househunting Want to get started? Get in touch! DM Brianna @briannagoslinmortgages on Instagram email Brianna: briannagoslin@gopineapple.com **Get your money tracker at briannagoslin.com ** https://maps…

How do first-time homebuyers save up a downpayment in 2023? They make sacrifices to get them closer to their goals! Alexandra Tejeda dropped by the pod to chat about what she's doing to kickstart her real estate investing journey and what the GTA homebuying (and leasing) landscape looks like for young Canadians. Listen to The Cash Flow Queens Podca…

TW: domestic violence and financial abuse Today, Bridget shares her homeownership story with the Homeowner AF community. Her homeownership journey spans three provinces, two real estate transactions and quite a number of moves. Bridget shares how she's grown in confidence and knowledge and what it took to get to homeownership. GET YOUR MONEY TRACKE…

Tune in for a candid conversation with Caitlin Gillham. Connect with Caitlin: On Instagram @caitlingillham.crippsrealtyPar Brianna Goslin