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Real estate lawyer offering Toronto sellers guidance on vendor representations, closing deliverables, holdback provisions, and tax withholding obligations.
Early evening I learned a broker had access to lenders beyond the Big 5, and that access explained why my co-worker's approval looked so different.
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Weekend kitchen table discussion turned into a refinance plan when a broker explained how equity, appraisal, and loan-to-value all interact.
Weekend late I compared bank renewal to broker quotes and noticed the total interest over the term diverged more than I expected.
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One rainy commute I realized my pre-approval wasn't a guarantee after a call with HR for updated pay stubs and a broker's question list.