This is the most common need for a mortgage, and it always will be. Fixed? Varibable? Open? Closed? Rate? Term? Penalties? Down Payment? Insurance? There is a mountain of things to consider.  Let Dennis guide you through the process. Mortgage Pre-Approvals Being pre-approved for a mortgage has endless benefits including knowing your budget, being a […]

Considerations When you get close to your renewal date and come to the fork in the road let Dennis help guide you down the trail of renewal or switching lenders. He makes the switch/renewing your mortgage process easy. A renewal/switch is usually straight forward, but should be well thought out. There is lots to consider […]

Home Equity Line of Credit (HELOC) One of the biggest perks of homeownership is the ability to build equity over time. You can use that equity to secure low-cost funds in the form of a home equity line of credit (HELOC). Home Equity Lines of Credit (HELOC) use the equity in your home—that is, the difference […]

Purchasing a rental property can be a fantastic investment that can pay dividends literally for generations!  How do you go about doing that?  Is it the same as purchasing your primary residence?  It is very similar but there are some very distinct differences, most notably the size of the down payment.  Some lenders are better […]

At Centum, we are partnered with Manulife Financial to offer both Life and Disability Insurance.  It is an exceptionally good insurance product to protect you and your family in the times you need it most.  Dennis can answer any questions for you, give him a call!  Below is some great info about the product from […]