In the first half Sean and Kyle discuss the spring market, along with some some pros and cons to mortgage programs that offer better rates in exchange for less flexibility. Kyle points out why it is so important to work with a mortgage professional that explains the small print in these types of scenarios. He moves on to discuss that the big banks have both posted rates and discounted rates that are available to consumers.

In the second half our hosts chat about ways to protect yourself from your home getting sold out from under you. They talk about spousal consent and some of the intricacies involved with separating from a spouse. Fraud is also a topic of conversation, and the best ways to protect yourself. They explains some worse case scenarios and how you can avoid them. Sean also explains some FINTRAC requirements for real estate agents and how this can help protect the consumer from fraud.

If you are considering buying, selling, or investing, don't miss out on another extremely valuable episode of the REAL Collective Podcast. Keep it REAL Collective!

To access our Complimentary Resources (SOLD Price Search, Seller Guide, Buyer Guide & Home Evaluation) visit: https://realcollective.ca/exclusive-resources/

Are you buying or selling? Book a meeting with Sean or Kyle today!

Sean: https://calendly.com/seanrealcollective

Kyle: https://calendly.com/kmmortgage/phone-connect

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Intro (0:00)

The Spring market is here (1:22)

A mortgage program where you can buy now and get a better rate – advantages and disadvantages (2:35)

Big banks have 2 rates - the posted rate and discounted rate (5:55)

Flexibility vs Cost with mortgages (9:01)

Don’t let someone sell your house from under you (11:40)

REAL Collective Marketing (14:00)

Second half (14:30)

Selling a matrimonial home and spousal consent (14:58)

Difficult to get a mortgage without a separation agreement (18:36)

How title insurance can protect you (21:45)

Chicago title (25:45)

FINTRAC (28:25)

Outro (31:49)