dbertolin

/Diane Bertolin
Diane Bertolin

About Diane Bertolin

Diane along with her team have over 120 years of real estate experience between them all from mortgage lending, to land development, construction, and real estate sales. Diane’s knowledge of economics, her fervent enthusiasm to read everything and her overall desire to help people to become financially independent lead her to this point of building her newest business. She joined the Unimor Capital Corporation team in September of 2016. Diane takes pleasure in helping people get the funds they need to get their dream property, but she also tells you when you cannot afford something. Diane strives to get you, your best mortgage or real estate investment.

Here’s What You Need To Know About TDS/GDS Debt Service Ratio

By |2018-11-08T09:17:07+00:00November 20th, 2018|Mortgage Information|

One of the most frustrating parts about buying a home is the sheer amount of confusing vocabulary you have to understand. There’s much to learn, and if you’ve been in the beginning phase of getting pre-qualified for your mortgage then you may have heard terms like, Total Debt Service (TDS) and Gross Debt Service (GDS) get thrown around. If you don’t know what these terms mean or even how they could impact getting a mortgage, don’t fret! Below are the most important things you need to know about TDS, GDS, and how they affect the [...]

First-Time Homebuyers Tax Credit: What It Is, Who’s Eligible

By |2018-11-20T09:52:25+00:00November 13th, 2018|Mortgage Information|

Nobody likes paying taxes – especially when you’re closing on your first home. It feels like yet another payment you have to make to finalize the deal; while discouraging, it’s an essential part of the process. Even so, first-time homebuyers may be eligible for a first-time homebuyers tax credit. If eligible, first-time homebuyers must either apply for a refund within 18 months of registering the conveyance deed or the date of the unregistered disposition (whichever the case may be). Who’s eligible? You must never have owned a home or even an [...]

What You Need To Know Before Breaking Your Mortgage

By |2018-11-06T11:39:49+00:00November 6th, 2018|Mortgage Information|

You may be sick of your current mortgage lender and want a better offer. Or maybe you like your lender, but you’ve ran the numbers and it breaking your mortgage seems like the best strategy for your family. Everyone has their reasons for breaking a mortgage and there’s nothing wrong with it. Every situation is different, so if you think breaking your mortgage will be helpful in the grand scheme of your financial situation, it’s worth considering. Even so, know there are ramifications to breaking your mortgage. Below are some of the penalties you are [...]

When Should You Refinance Your Mortgage?

By |2018-10-30T10:32:00+00:00October 29th, 2018|Mortgage Information|

Should you refinance now, or wait until later? Did the perfect window for refinancing already close, or is there a chance that it can be opened again? The answer seems like a revolving door: it’s changing all the time. Everybody wants the lowest rate possible and we can help, but when should you refinance your mortgage? Let’s look a little closer to help you figure out when it’s the right time to refinance. Lower interest rates This one is a no-brainer – although many borrowers opt to keep their current mortgage due to fear of [...]

Why Do Mortgage Rates Fluctuate?

By |2018-10-16T13:00:55+00:00October 23rd, 2018|Mortgage Information|

Before committing to buying a home, it’s important to understand the basics. This is true when it comes to your home’s mortgage: the types of mortgages, how they will affect you financially, and yes, even why mortgage rates go up and down over time. Knowing the ‘why’ of mortgage rate fluctuate will allow you to see the signs of when a potential rate-hike is coming. This allows you to plan ahead and brace yourself for the potential fallout (you’re also being a responsible, future homeowner). Below is a quick guide on how and why mortgage [...]

What to Expect on Closing Day

By |2018-10-16T12:56:10+00:00October 18th, 2018|Mortgage Information|

It’s arguably one of the biggest days of your life. There are moments in our lives that we will always remember vividly for the rest of our lives: our wedding day, the birth of children, graduations, and certainly the closing on your very first home. The sense of pride you will feel cannot be put into words – but before that big day, you need to know exactly what to expect. It’s a big day that should be treated as equally important. Before closing day, keep these few things in mind to ensure the process [...]

How Your Credit Score Determines Your Mortgage Interest Rate

By |2018-10-03T09:56:11+00:00October 3rd, 2018|Mortgage Information|

A credit score is the magic number used to give you the best deal on some of the most important purchases in your life, like a home. Keep a good credit score and you can secure an affordable mortgage interest rate. Let's review how credit scores ultimately determine the interest rate Canadians pay on their mortgage. Low score? Expect a higher rate. That’s if you are even approved to begin with. Potential borrowers seeking a mortgage with a low credit score (ranging from poor-to-fair) may find it challenging to find [...]

Understanding Your Credit Score

By |2018-09-25T10:00:21+00:00September 21st, 2018|Credit|

We’ll be honest: there’s nothing exceptionally enthralling about a credit score. People share them over cocktails (usually if they’re worth bragging about), they come into play when acquiring financing, buying a new automobile or home, setting interest rates, credit limits, etc.; beyond that, credit scores are usually on the backburner of our minds. Furthermore, if you have yet to make any big purchases in your life you probably have no idea what your credit score is – never mind understanding it. Even so, a credit score – ranging between 300 – 900 – deserves your [...]

What is a Home Equity Loan?

By |2018-09-18T13:09:31+00:00September 18th, 2018|Mortgage Information|

Whether you are tired of putting off the remodeling of your home or you need extra cash for your child’s college fund, a home equity loan could be the answer you are looking for. Especially if you have lived in your home for several years (and have made regular payments on the mortgage’s principal), the equity accrued allows you to borrow against the home’s value. As long as your home’s value is more than what’s owed, you can borrow a lump sum of cash to use for whatever you wish. Let’s dig a little deeper… [...]

Can Bi-weekly Payments Pay Off Your Mortgage Faster?

By |2018-09-17T16:11:55+00:00September 11th, 2018|Mortgage Information|

Easy answer: maybe. Nobody likes making their mortgage payment every month, and the thought of splitting it up and making two payments per month is enough to make many a homeowner scoff at the idea and say, “no thanks.” Yet, it’s certainly worthy of your consideration. The big question is if it’s worth your time and if it will make a dent in your home’s mortgage. Let’s find those answers out together. How this payment method works  Rather than making 12-monthly payments per year, you will be making half [...]

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