Mortgages by Ricky Grover

🚫 Mortgage Myths — Busted!
Don’t let outdated info hold you back from homeownership.

✅ You don’t need a 20% down payment.
✅ You can qualify without a 2-year job history at the same place.
✅ You may not need to escrow for taxes & insurance.
✅ Your spouse doesn’t always have to go on the mortgage.

Every situation is unique—let’s explore your real options, not the myths!

📞 604-354-2725
📧 [email protected]

⏰ When Should You Apply for a Mortgage?
The best time is before you fall in love with a home.

💡 Start the process early—but apply when you're close to making a purchase decision. Preapproval letters usually stay valid for 30–90 days, giving you time to shop with confidence.

Let’s plan it right from the start!

📞 604-354-2725
📧 [email protected]

🏦 Mortgage Tip | Understanding Bank Statements

Lenders review your bank statements to ensure you're financially ready for a mortgage. Here's what they look for:

📌 Proof of Income – to confirm your reported earnings
📌 Spending Habits – insight into how you manage monthly obligations
📌 Source of Down Payment – verifying funds for your home purchase

Being prepared means a smoother mortgage approval process. Let’s get you ready to own!

📞 604-354-2725
📩 [email protected]

Want to boost your chances of mortgage approval? 🏡
Lenders focus on four key factors: creditworthiness, financials, ability to repay, and the property’s value. In my latest video, I break down exactly what they look for—and how I can help you get mortgage-ready with confidence.

📱: 604-354-2725
📧: [email protected]



[credit score, debt-to-income, loan-to-value, mortgage checklist, financial prep]