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december 6th AOR came today. the email got sent to my wife as she linked the application prior to her account, so rather than me the sponsor she got it. what's the timeline for the medical and Background check(i think thats the next step right) the excel sheet the average time varies so much...

gckey website,

hey everyone, i haven't received my AOR yet, received december 6th. however today i searched my wife (principal applicant)'s info (lol i was searching with mine im the sponsor) and able to link the application. Funny my wife did the same on her portal, now she got the application only, its...

definitely, thats why sometimes its better to go with a well known builder, builders are cheaping out on the materials , and they only give warranty for the first couple of years, after that its up to condo corporation to make sure they have enough reserve funds.

townhouses are good solution if you are in between house or condo. problem is -they look so big from outside (due to being 2-3 floors) but inside is very small. -lack of backyard -and sometimes they have high maintenance fees when its even freehold. at the same time last week my furnace...

actually more now, 3.5% to 4% if your financing amount is 90-95 percent.

the only thing you can do is either find a place with lower condo fee, or more dowpayment and lower the amount. condo fees are huge part of the marketability of a place. The higher they are the lower the price of a condo. Unfortunately new builds are super small in size, but they have low...

yeah i figured that out, was hoping maybe i could locate my file by just using my personal info. tomorrow im guessing i ll get the answer hoping my file is complete

Thank you, i hope so, because i dont have a UCI (im sponsor and am citizen) i cant search anything, i searched just now using my family name and other info but nothing

the line of credit will have no issue as long as you have no outstanding balance. other than that, only thing i can think of is: -low credit score (less than 680) -variable income (if you're salaried, then i ll use gross income, if you're self employed we need 2 years average. ) -or the...

i knew they do work on saturdays but sunday is crazy, congrats . lol one more day for me (6th of december)

every program has a different version, if i were you i say follow the checklist and whichever version applies to you use that one.

GDS : mortgage payments based on 5.19% (stress test rate) + condo fees(we use 50%) +heating +property taxes. ----------------------------------------------------------------------------------------------------------------------------------- gross income If they declined based on GDS, most...

rate is okay for todays. just make sure dont do too many credit checks it will affect your score. every time u apply ur score goes down. possibly wait till u get the house. make sure the pre approval person included maintenance fees(if its condo,) and property taxes realistically. sometime...

exactly, mortgage payment i always tell my client, doesn't tell the whole story. also buying you do have to have some funds for closing costs(land transfer tax and lawyer fees)

im guessing they are working on your app, someone from the same day as yours just got AOR, so hopefully soon keep an eye on your email, you ll receive something.

yes looks like finally december is here, im 6th so most likely end of this week or early next week

atleast it didnt take 60 days to return back, still sucks, you're losing time. mine got received the dec 6th no news.

when did you initially send your application.

yes they can, you might be looking at the taxes though (but some rules omit paying it if its a 2-4 years educational instutuoin) i say check the gov page for non resident taxes. mortgage wise, smaller institutions do but rate might be little higher (4-5% ish)