Victoria real estate BC, Sidney real estate, and Sooke real estate, home listings and homes for sale in British Columbia, relocation and condos - Rosie the Realtor, REALTOR® Rosie the Realtor REALTOR(r) for Victoria, Sidney, and Sooke, British Columbia real estate, relocation and condos - NUMBER1EXPERT™ Rosie the Realtor NUMBER1EXPERT(tm) for Victoria, Sidney, and Sooke, British Columbia real estate, relocation and condos
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Rosie the Realtor, REALTOR®, real estate agent and broker for Victoria, Sidney, and Sooke British Columbia home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out what I can offer you as a Full Service Personal Realtor . Call me: 1-866-806-0982




Above And Beyond All My Expectations
"I love my new home and I just couldn’t have done it without her - Rosemarie went above and beyond all my expectations."
Jacqueline Yuen
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Mortgage Prequalification: Victoria, Sidney, and Sooke British Columbia home buying, real estate listings, and homes for sale in BC
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Victoria, Sidney, and Sooke REALTOR® to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation... 

About You
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About Your Move
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About Your Home Search
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Loan Info
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Real Estate Tips
Tax Considerations >Tax Breaks

      Most homeowners are keenly aware of the interest tax deduction on their home loan, but there are many other tax breaks which are often overlooked at income tax time. Pro-rated property taxes and mortgage interest in the year of sale are deductible. You will find these amounts listed on your closing settlement statement. If you paid off your mortgage and had to pay a pre-payment penalty, it qualifies as tax deductible interest. If you paid an "acquisition mortgage loan fee" on a home loan, this fee can be deducted as itemized interest. Home improvement loan fees are also deductible. Any remaining loan fees from re-financed or paid-off mortgages are fully deductible at the time of the mortgage payoff.
      Certain items don't qualify as deductions, but can be added to the cost basis of your home, such as transfer taxes, recording and title fees, and special local property tax assessments for new sidewalks, streets, or sewers.
      Don't be intimidated by the tax code! A little research or consultation with an expert can help you maximize your real estate tax advantages.
     

See All Tips In The "Tax Considerations" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What is the longest construction time for a private residence?

A 
The Winchester House in San Jose, CA, was under construction for over 38 years.
See More Real Estate Trivia >





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Rosie the Realtor, REALTOR®, real estate agent and broker for Victoria, Sidney, and Sooke British Columbia home listings, property and land for sale - NUMBER1EXPERT(tm)

Rosie the Realtor
Royal LePage Coast Capital Realty

1075 Pandora Ave.
Victoria, BC
V8V 3P7
Phone: 250-384-7663
Toll Free: 866-806-0982
Fax: 250-384-6614
Email: rosemariecolterman@NUMBER1EXPERT.com

Rosemarie Colterman offers extensive knowledge and experience of the Victoria real estate market. Originally from Toronto, Ontario, she left her successful career in the counselling and management field to focus on her love of real estate. Rosemarie prides herself on setting high standards: her integrity, attention to detail, care and understanding has built a loyal clientele. She considers her clients the heart and foundation of her business and goes the extra mile as their personal realtor. Rosemarie continually upgrades her skills and knowledge in the industry and feels it necessary to stay ahead of the constant changes in real estate. In her spare time, she enjoys running, playing sports, socialising with friends and spending quality time with her husband and three daughters. Let Rosemarie’s professionalism, enthusiasm and expertise go to work for you as your personal realtor.

Equal HousingREALTOR


Master Sales Award

Royal LePage Coast Capital Realty real estate and homes for sale in Victoria, Sidney, and Sooke British Columbia
Victoria Real Estate Board


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