I am a SURFER now!
  
I spent the week it snowed in Vancouver, surfing in Costa Rica. I have been surfing a handful of times over the last 10+ years but this was the first time I actually felt like a true surfer. We spent 3 days with surf instructors and I had the greatest time ever. It felt so good to challenge myself by learning a new sport. When I caught my first wave and rode it all the way to the beach, I was beyond ecstatic!
I have absolutely fallen in love with surfing and I am already thinking about how I can get back on a surfboard.
Did you know there are lenders with NO Stress Test?
KristaKlein-610-E13th-FeatureSheet
STRESS TEST, STRESS TEST, STRESS TEST.
This is the major BUZZ words around mortgage financing and how hard it is to qualify.
BUT....did you know there are still lenders who have not implemented the stress test?
I was asked by a realtor (Angie Kirk) to put together a mortgage feature sheet for her listing. The house is an awesome character home located in Mount Pleasent at 610 E 13th Ave. Vancouver, BC.
Usually, when you see mortgage sheets....you see a blast of rates. I decided to showcase what income you would need to qualify with a lender who has a stress test, no stress test, and no stress test with basement suite income.
For max financing for this property, the min income to qualify with a stress test lender is $239,834.
With a lender with no stress test with basement suite income, the min income to qualify is $166,634.
This definitely makes life a little easier to qualify.
Check out my mortgage sheet above!
30 Terrible Pictures Taken by Realtors
If you are interested in a good laugh, Bored Panda compiled this article of 30 Terrible Pictures Taken by Realtors. I literally laughed so hard I had to share it with you! The comments are amazing.
Click here
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