Mortgage Brokers vs Banks – What’s the difference?

General Joseph Kwan 11 Jan

Most people would think of their bank when look for a mortgage.  Are you one of them?  You may be missing out big time, let me explain why: Your bank can only offer their own products, which may not offer you the borrowing power or rates that you are looking for.  Also, if you want […]

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Business owner dilemma: Tax vs Mortgage

General Joseph Kwan 24 Aug

💼Business owners (and realtors – look into setting up a PREC see blog link here), are you retaining money in your business by not taking a fair amount of salary due to growing your business or simply trying to save on personal taxes? And at the same time, you are having trouble qualifying for a […]

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Buying Real Estate in A Holding Company – is this for you?

General Joseph Kwan 8 Aug

Have you ever wondered why some people purchase real estate inside a holding company? Would this setup work for you? If you belong to one of the following groups, you’ll be able to take advantage of using a holding company to purchase investment properties: 1. You are hitting capacity qualifying for mortgages under your personal […]

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Houses on sale?

General Joseph Kwan 27 Jul

If you are a 1st time home buyer or someone in a position to purchase a home, it is a very good time right now with prices coming down significantly from previous highs just a few months ago (as high as 20-30% decrease in some areas). 📉 Yes, interest rates have risen which affects affordability […]

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Benefits of Working with a Mortgage Agent who is a CPA

Welcome! Joseph Kwan 9 Sep

Welcome!  My name is Joseph and I am both a mortgage agent and CPA.  I have over 10 years of experience in helping clients achieve their real estate goals.  As an accountant, I have seen many individuals navigate successful careers and run amazing businesses, yet they struggle to align that success with their personal finances.  […]

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