🍀 Happy St. Patrick’s Day from Clover Mortgage! 🍀 Feeling lucky? Your dream home could be closer than you think. Whether you're buying, refinancing, or exploring, we’re here to help you find the right mortgage. Ready to start your homeownership journey? Connect with us today!

❌ Myth: You need a 20-year job history to qualify for a mortgage ✅ Fact: Stability matters more than long history 💡 What lenders really look for is consistent income and financial stability — not decades at the same job.

Saving for a down payment doesn’t happen overnight — but small steps add up. 🏡 Automate savings, reduce unnecessary spending, and set a clear goal. The sooner you start, the closer you are to homeownership. 🍀

A homeowner reached out feeling stuck. High-interest debt was draining their income. We built a strategy: ✔ Consolidated debt into their mortgage ✔ Lowered their interest rate ✔ Simplified payments Result: less stress, more room in their budget, and a clear path forward.

❌ You can’t qualify if you’re self-employed ✅ Self-employed borrowers have options — with the right strategy. Many business owners assume getting a mortgage is harder (or impossible)… but that’s not the case.

🚨 Bank of Canada Rate Update 🚨 Interest rates impact your mortgage, payments, and buying power. 📊 Rate hold = stability ⬆️ Increase = higher borrowing costs ⬇️ Decrease = more affordability 🏡 What it means: your monthly costs & opportunities can shift fast. Stay informed!

The Bank of Canada announces its interest rate decisions on these dates in 2026 — and those announcements can influence variable rates and overall mortgage trends. If you’re buying, renewing, or refinancing this year, these are the days the market pays close attention.

From 1 property to 3. A client thought they had to wait years to grow their portfolio. Instead, we built a strategy: ✔ Leveraged equity ✔ Structured financing ✔ Planned ahead Now they’re scaling with confidence. This is why we do what we do. 🍀

❌ You should always go fixed ✅ The right choice depends on your plan. Fixed = stability. Variable = flexibility. The smartest mortgage isn’t one-size-fits-all -- it’s built around you.

Choosing the right mortgage agent matters 🏡🍀 Look for experience, clear advice, fast communication, and a personalized approach that fits your goals. The right guidance helps you feel confident in one of life’s biggest decisions.

Hop into spring with Clover Mortgage! 🥚🏡 Whether you're hunting for eggs or the perfect home, we're here to help you find the right place to grow. Wishing you a joyful Easter filled with fresh beginnings, sweet surprises, and a home you love. Happy Easter & happy house hunting!

When their mortgage came up for renewal, a client assumed the easiest option was simply signing the lender’s offer. But renewal is one of the most overlooked opportunities We reviewed their situation and explored alternatives Renewal isn’t just paperwork. It’s an opportunity.

❌ Myth: You can’t pay off your mortgage early ✅ Fact: Many mortgages allow prepayments — with the right structure • Many lenders allow lump sum payments each year • Some mortgages let you increase monthly payments • The right terms can help you become mortgage-free faster

Most people assume their mortgage payment quickly chips away. In reality, only one portion actually reduces your balance: principal. Principal is the amount of money you borrowed — and the part of each payment that lowers your debt and builds your ownership stake in the home.

So, you’re ready to buy a home? 🏡🍀 Start strong with the right first steps: 1️⃣ Know your budget – understand what you can comfortably afford 2️⃣ Get pre-approved – see what lenders are willing to offer 3️⃣ Choose the right agent – expert guidance makes the process easier

Self-employed doesn’t mean unqualified — it means the strategy needs to be smarter. After being declined through traditional income methods, we reviewed the full financial picture, used alternative income verification, and matched the client with the right lender.

❌ Your credit score is everything ✅ It’s just one part of the picture. Lenders also consider: • Income stability • Debt levels • Savings and down payment • Overall financial habits A perfect score isn’t required — a strong overall profile is what counts.

New to Canada and unsure about a mortgage? We helped a client navigate limited Canadian credit history by using programs designed for newcomers: ✔ New-to-Canada options ✔ Careful application structure ✔ Right lender match Keys to their first home — sooner than expected.

Interest rate = the cost of borrowing money. Even small differences can impact how much you pay over time. Fixed rate: stays the same for your term. Variable rate: can move with the market. Understanding your rate helps you plan with confidence.

We’re proud to support our clients through every step of the mortgage process. Congratulations on your new home, and thank you for trusting Shaunese and Clover Mortgage. Ready to start your journey? Let’s find the right mortgage solution for you.