Fara Ghafari, 88 West Realty
Fara Ghafari is a licensed real estate agent as well as a REALTOR® in CREA and an expert in rental and for-sale properties at 88 West Realty.
Fara Ghafari is a licensed real estate agent as well as a REALTOR® in CREA and an expert in rental and for-sale properties at 88 West Realty.
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Simple Ways to Pay Down Your Mortgage Sooner
To pay off a mortgage faster, consider accelerated payment schedules like accelerated biweekly to make extra payments without feeling the impact. Make lump sum payments with bonuses or tax refunds to reduce principal and interest. Shorten the amortization period to 15 or 20 years if affordable. Increase regular payments annually by 10-20%. Avoid costly penalties […]
Understanding Your Options for Mortgage Flexibility
Breaking a mortgage means paying it off early, changing terms, or ending the contract, often incurring penalties. Open mortgages have no fees, but closed fixed-rate mortgages require paying three months' interest or the interest rate differential, whichever is higher. Variable-rate mortgages usually incur a three-month interest penalty. Additional fees may apply. Strategies to reduce penalties […]
B.C. outlines municipalities that have met housing targets and those that need work
Seven of 10 municipalities in B.C.'s third housing targets group have exceeded their one-year goals, delivering over 3,600 new homes since August 2024, surpassing targets by 143%. Three communities exceeded targets by over 200%, while two others show progress. One community completed only 20% of its target and may face an adviser appointment. The province […]
Canada Housing Market Finds Its Footing in 2026
Canada’s housing market is expected to see a slow rebound in 2026, with modest price gains and gradually improving affordability. National home prices are forecast to rise about 1% yearly, as lower borrowing costs encourage sidelined buyers to return cautiously. Regional performance will diverge, with price declines expected in Toronto and Vancouver, while Quebec City […]