June 2025

Refinancing could save you thousands of dollars on your mortgage. It's simple: You replace your current home loan with a new one with better terms. Many homeowners do this to get lower interest rates or change the length of their payments.

Applying for refinancing isn't just about saving money each month. It's about taking control of your financial future and making your mortgage work better for you.

For informational purposes only. Always consult with a licensed mortgage or home loan professional before proceeding with any real estate transaction.

Quick Tips About Refinancing

• Refinancing means trading your old mortgage for a new one with better terms
• Most people refinance to lower monthly payments, get cash from their home, or pay

Instead of getting a pre-listing home inspection, most sellers wait for the buyer's inspection. But that can feel like waiting for a surprise test you didn't study for! When buyers find problems during a home inspection, they tend to demand cuts to your listing price or just walk away.

A pre-listing home inspection puts you in control by giving you a chance to find out what's wrong with your house before it’s too late. No surprises, no last-minute price drops, and much less of a stressful time crunch during the sale.

For informational purposes only. Always consult with a licensed real estate professional before proceeding with any real estate transaction.

Top 5 Reasons to Get a Pre-Sale Home Inspection

• You save time by not having buyers

Missing a mortgage payment isn't just a small slip-up—it hits your credit score hard if you're more than 30 days late. Fees start adding up fast, and your lender will report this missed payment to the two main credit bureaus, Equifax and TransUnion.

Don't panic, though! You have options to handle this situation and protect your finances.

For informational purposes only. Always consult with a licensed mortgage or home loan professional for information tailored to your specific situation.

Remember This When You're Worried About Missing a Payment

• Many lenders give a 15-day grace period before you’re hit with late fees (usually $25–$50)
• Late payments aren’t reported to the credit bureaus until they’re late by 30 days
• Call your lender

Miss enough mortgage payments and your lender might take your house. That's mortgage default, and it can wreck your credit score and financial future. But before you start panicking about foreclosure, you should know that it’s preventable with a few smart moves. Let's look at what mortgage default really means and the simple steps to make sure it never happens to you.

For informational purposes only. Always consult with a licensed mortgage or home loan professional before proceeding with any action.

Save This Quick Checklist

If you're worried about missing mortgage payments:

• Call your lender right away—don't wait
• Look at your budget and cut non-essentials
• Check if refinancing could lower your payments
• Ask about applicable

Owning a condo comes with many perks—less maintenance, shared amenities, and often a prime location. But one financial aspect catches many condo owners off guard: special levies.

What exactly is a special levy? It's a one-time charge your condo board hits you with when particular expenses pop up that aren't covered by regular monthly condo fees. Think roof replacements, elevator upgrades, or unexpected repairs after a major storm.

These special levies can add up to thousands—sometimes tens of thousands—of dollars per condo unit. And you typically need to pay them within months, not years. Alberta’s Condominium Property Act gives corporations the power to collect this money when needed.

For informational purposes only. Always consult with a

Calgary transforms into a sea of red and white every July 1st, and 2025 promises to be bigger than ever. Last year, over 100,000 people joined the festivities across the city. This year, you'll find even more exciting events, from colourful parades to jaw-dropping fireworks shows.

Whether you’re visiting or living in Calgary, this guide covers everything you need to make July 1st unforgettable for your whole family.

Essential Calgary Canada Day Events

• The Confluence Historic Site & Parkland: From 10 a.m. to 3 p.m., discover Canada's history through demonstrations, an Indigenous Artisan Market, and performances.
• East Village Street Fair: Over 50 vendors, food trucks, live music, and family activities from 11 a.m. to 8 p.m.
• Calaway Park

If you're planning to hit the Calgary Stampede this summer, you're in for a treat. This isn't just any festival—it's the world's largest outdoor rodeo, one of the most fun things to do in Calgary, and it's happening July 4–13, 2025.

Over one million people show up every year for good reason. The city turns into one massive party with championship rodeo, live music, amazing food, and more activities than you can shake a cowboy hat at.

Here's what you need to know to make the most of your Stampede experience without breaking the bank or missing the good stuff.

Quick Stampede Checklist

• Get there early: Parade starts at 9 a.m., best food booths sell out fast
• Download the Stampede app: Real-time show times and your personal schedule

Finding a condo in Calgary you love is an exciting moment! However, that doesn’t mean that you should automatically sign on the dotted line. That dream home might hide expensive nightmares. The rush to buy in today's market leads many people to overlook serious problems.

Buying a condo with hidden issues can trap you financially for years. Monthly fees increase, special levies hit your wallet, and property values sink. But you can avoid these headaches by knowing what red flags to look for when buying a condo.

For informational purposes only. Always consult with a licensed real estate professional before proceeding with any real estate transaction.

Quick Condo Red Flag Checklist

• Poor maintenance in the common areas of the building

Thinking about buying a house but scared of making a $600,000 mistake? You're not alone. Many people wonder if buying is really smarter than renting.

The truth is, buying a home works out great for lots of people. It can build equity and give you greater stability. But that doesn't mean it's right for everyone—or at every stage in your life.

Let's cut through the noise and look at the real pros and cons of buying a house. No pushy sales talk or complicated jargon, just the facts you need to decide if homeownership makes sense for you right now.

For informational purposes only. Always consult with a licensed real estate professional before proceeding with any real estate transaction.

Quick Homebuying Cheat Sheet

• Wait to buy until