A credit reporting agency collects information from various sources and provides credit information on a person’s borrowing and bill-paying habits. This helps lenders assess whether to lend money to the person. These agencies compile data on credit history, payment patterns, and outstanding debts, offering a comprehensive view of an individual’s creditworthiness to potential lenders.

*The information provided is for educational purposes only and should not be considered legal advice. For specific legal concerns or questions related to your mortgage, it is always best to consult with a qualified legal professional.*

Mortgage Education

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    The percentage of gross income allocated for payments of principal, interest, taxes, and heat (P.I.T.H.), along with other debt obligations, [...]

  • Title Insurance

    Title insurance protects property owners and lenders from financial loss due to defects in the title of real property. These [...]

  • Home Buying Guide

    Buying a home in Canada can be both exciting and daunting. With a competitive market and unique regulations, it's essential [...]

  • How To Get a Mortgage

    Getting a mortgage is a significant step toward homeownership. However, the process can seem complex and overwhelming. This guide will [...]

  • Mortgage Relief Options

    Facing financial difficulties can be overwhelming, especially when it comes to managing your mortgage payments. Fortunately, there are several [...]