Mortgage 101 Archives - Clinton Wilkins Mortgage Team

Mortgage 101 – Creditor Insurance and More Listener Q&A

Dan Ahlstrand and Clinton Wilkins are joined by Mario Cloutier of Manulife to discuss the importance of risk insurance for home additions, creditor insurance, and the importance of financial literacy.

Mortgage 101 – Insurance Coverage Over the Lifespan and Listener Q&A

Dan Ahlstrand and Clinton Wilkins are joined by Mario Cloutier of Manulife as they chat about the need for life and disability insurance, especially when young, to protect against financial risks. As well, talking questions for the listeners.

Mortgage 101 – Financial Protection and Mortgage Insurance

Dan Ahlstrand and Clinton Wilkins are joined by Mario Cloutier of Manulife to discuss the importance of financial protection, challenges with underinsurance and how to get proper advice on insurance.

Mortgage 101 – Indebtedness and Looking Beyond the Bank Balance

Dan Ahlstrand and Clinton Wilkins talk about the importance of Financial Literacy Month, understanding finances beyond just bank balances, and predictions for home purchase prices going into 2025.

Mortgage 101 – All About the Income

Dan Ahlstrand and Clinton Wilkins discuss the changing landscape of income and housing in Nova Scotia. They focus on the recent federal government announcements allowing up to 90% home equity borrowing for secondary suites.

Mortgage 101 – High Ratio Mortgage Insurance with Chris Johnson

Chris Johnson from Sagen joins us on Mortgage 101 to discuss the importance of high-ratio mortgage insurance, which allows buyers to access homeownership with as little as 5% down, making it more affordable for Canadians.

Mortgage 101 – Real Estate Appraisals with Derek Bellefontaine

Derek Bell Fontaine, Real Estate Appraiser, with Mari Tech joins us as our guest to discuss the role of appraisers in valuing homes, which is crucial for purchasing, refinancing, and separations.

Mortgage 101 – It’s Financial Literacy Month!

Special host Dan Ahlstrand joins Clinton Wilkins to kick off Financial Literacy Month, emphasizing education on income, assets, and credit.

Mortgage 101 – Entering The Market

October 7, 2024
Clinton Wilkins
Mortgage 101

How affordable is the Nova Scotian market? Real estate is more affordable in Nova Scotia compared to other markets. Clinton and Todd reflect on the challenges of buying starter homes, citing increased property values and stagnant income growth.

Mortgage 101 – Location, Location, Location

September 30, 2024
Clinton Wilkins
Mortgage 101

So the interest rates are down, and I can finally buy a home - now where do I buy? Clinton and Todd discuss the Halifax housing market and deciding on a location in terms of housing types, commuting and fuel costs, natural disasters, insurance, and the potential for lenders to refuse mortgages in high-risk areas.