10 Tips to Improving Your Credit Score

A credit score is an evaluation of your credit history and debt obligations. Lenders use it to assess their risk and establish borrowing conditions. The higher your credit score broader options you will have as well as access to the best interest rates. Below are a few tips that can help improve your credit worthiness:

1. Establish a credit history. Lenders see clients with longer credit histories as less of a risk and more favourable borrowing candidates. Your score will improve as your credit history matures.

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Understanding Mortgage Closing Costs

Many homebuyers are unaware of the various closing costs they will need to pay in order to finalize their mortgage financing. It pays for homebuyers to know the specifics of closing costs so they can better prepare for unexpected expenses at such an important time in their lives. The exact closing costs will depend on where you live, how much you are borrowing, how your mortgage is financed, your closing date and mortgage amortization.

Below is a list of the majority of expenses associated with purchasing a home and obtaining mortgage financing. We recommend each of these items be considered and accounted for when preparing your home purchase budget. As every client is unique, so is every mortgage. Costs may vary depending on the mortgage application and not all of the items listed below would be required:

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Top 10 Renovation Return on Investment

The real estate appraisers top 10 reno projects with the best value per dollar spent.

(The potential percentage payback per dollar invested is in brackets)

  • Painting and decorating, interior (73%)
  • Kitchen renovation (72%)
  • Bathroom renovation (68%)
  • Painting, exterior (65%)
  • Flooring upgrades (62%)
  • Window/door replacement (57%)
  • Main floor family room addition (51%)
  • Fireplace addition (50%)
  • Basement renovation (49%)
  • Furnace/heating system replacement (48%)

 

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At Dreyer Group Mortgages we understand how important low mortgage rates are. We negotiate and secure low mortgage rates and the most competitive mortgage products in the market for all our clients.

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Mortgage Pre Approvals
Shop with confidence while looking for your new home with by obtaining a mortgage pre approval. To obtain a pre approval, first your credit history and income will be verified then you will be guaranteed your maximum loan amount.

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Dreyer Group Mortgages for Best Rate Mortgage Broker in Vancouver Surrey Richmond White Rock Langley

Our Best Rates

Best Mortgage Rates Canada

5 Year Variable

2.40%*

5 Year Fixed Rate

2.89%*

3 Year Fixed Rate

2.49 %*

Apply Now to Hold Your Best Mortgage Rate

*Special Conditions May Apply. OAC Rates Subject to Change

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Corporate Office

#308 - 15252 32nd Avenue
South Surrey, BC  V3S 0R7
Telephone: 604.536.3802

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About Dreyer Group

Dreyer Group is a member of the VERICO mortgage brokers network. We can help anyone nationwide, but we primarily serve BC residents in the lower mainland including Surrey, South Surrey, White Rock, Langley, Delta, Vancouver, North Vancouver, West Vancouver, Burnaby, New Westminster and Coquitlam. Dreyer Group Mortgages can provide mortgage solutions to US residents, non-residents, new immigrants and the rest of Canada. No matter where our clients are located, we are committed to providing the best mortgage rates and options in the marketplace.

About Verico

VERICO is a national mortgage brokers network. As an assembly of independently owned and operated mortgage brokers, VERICO brokers are comprised of the most trusted mortgage professionals in Canada that adhere to the highest standards of service based on professionalism, expertise and ethics. The VERICO Mortgage Network includes over 40 of Canada's most respected mortgage lenders and insurance suppliers.
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