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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How To Increase Your Odds Of Securing A Mortgage When Self-Employed
Getting a mortgage as a self-employed individual is challenging due to income variability and stricter lender rules. To improve approval chances, increase your down payment to lower loan-to-value ratio, maintain a strong financial cushion, reduce existing debt to improve debt-to-income ratio, boost your credit score, and establish at least two years of positive business cash […]
Preparing to get a mortgage
Before applying for a mortgage, check your credit report for errors and ensure a good credit score to avoid denial or co-signing requirements. Lenders assess your income, expenses, debts, and credit to calculate your gross debt service (GDS) ratio, which should not exceed 39%, and total debt service (TDS) ratio, which should stay below 44%. […]
Homes Dropped 10%: Vancouver Buying Window Open!
Slide 1 Vancouver home prices finally dropped 0.9% in October, down $9,900 to $1,132,500. Slide 2 Prices fell 3.4% year-over-year and 10.1% from the record high, lowest since 2023. Slide 3 October sales slumped 14.3% to just 2,255 homes, echoing 2018 downturn levels. Slide 4 Active listings soared 13.2% to 16,393, marking the third-highest October […]
Global Construction Market to Climb 6.50% CAGR by 2034
Slide 1 Global construction hits USD 13.57T, doubling toward USD 25.47T by 2034. Slide 2 Urban growth and rising populations push huge demand for homes, offices, and new infrastructure. Slide 3 Smart cities surge as industrialization rises and global investors pour money into new builds. Slide 4 AI, IoT, robotics, and mobile tools speed projects, […]