Cody A. Rowe

Are you self-employed? If you’ve tried getting approved through one of the traditional ‘Big 6’ banks, using your business or commission income you may have found that they did not offer you very much in the way of options. Unlike the banks, we understand that what you earn on paper after deducting expenses, is often very different from what you actually earn in real life. This is why we work with alternative lenders who specialize in offering mortgage products specific to the needs of the self-employed. Alternative Lending offers business owners or those who are commission-based a much more flexible approach to how much income we can use from your business. For example, instead of relying on your tax return to base your income, our lenders can base it off the last 3 – 6 months of business bank statements to determine your income. There are many programs available that are specifically designed for the unique income that comes with a self-employed individual. Ready to learn more? Reach out to explore your options! Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #mortgagebroker #brokeradvantage #financialsuccess #HomeOwner #RealEstate ##financialsuccess #financialplanning #homeownership

Did you know that you can get help paying for your first home? Finding the money to put towards closing costs and a down payment can be challenging for many first-time homebuyers. Luckily, there’s a range of options to help you buy a home! For down payments, there are several government and private down payment assistance programs that can help you get the funds you need to buy a home. When it comes to closing costs, there are similar programs available or cash-back options offered by your lender to help cover these expenses. Want to learn more about the options available in our area? Just send a DM for the info you need! Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #homebuyer #firsttimehomebuyer #homebuying #homesearch #househunting #homeownership #homegoals #letstalkrealestate

Regardless of your experience level when it comes to mortgages, I am here to guide you through the financing process and educate you on your options so that you can make an informed decision. I have access to a variety of mortgage lenders, including the big banks, credit unions and trust companies, and the best part? My services are entirely free to you. Reach out for independent mortgage advice to ensure you are on the right track to home ownership! Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #homebuyer #firsttimehomebuyer #homebuying #homesearch #househunting #homebuyingprocess #homegoals #letstalkrealestate

🇨🇦 Happy Canada Day! 🍁 True North Strong & Free! 🇨🇦 Today, we celebrate the beauty, diversity, and unity of our incredible country. From coast to coast, let's come together to honour the rich heritage and shared values that make Canada so special. Wishing everyone a joyful and safe celebration filled with pride and happiness! 🎉🍁🛶 Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #CanadaDay #TrueNorthStrongAndFree #ProudCanadian #CelebrateCanada

When it comes to amortization, what should you go for? A Quick payoff or lower payments? ⏳ The answer is going to be unique to your individual circumstances as well as short-and long-term goals. Let’s have a chat about your situation to create solution!🗣️ Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #MortgageStrategy #AmortizationPeriod #FinancialChoices #HomeLoanOptions #BudgetingTips #RealEstatePlanning #DebtFreeJourney #MoneyManagement #FinancialFreedom #InvestmentDecisions

In the dynamic world of real estate, acquiring a pre-approval isn’t just a routine step – it's a strategic power move. Presenting a pre-approval letter that certifies your readiness to purchase sets you apart as a serious buyer, boosting your credibility with sellers and enhancing your negotiating position. With financial readiness established, you gain leverage and confidence in your offer, positioning yourself as a strong contender in today's competitive market. Ready to make your move in real estate? Let's partner up to secure your pre-approval and elevate your home-buying journey! Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #RealEstate #HomeBuying #PreApproval #SeriousBuyer #CompetitiveMarket #NegotiationPower #FinancialReadiness #TopContender #Homeownership #DreamHome

This month, the Bank of Canada has announced its first rate drop after a steady increase of 4.75% over the past few years. 📉🏡 This is fantastic news for both current and future home buyers! Curious about what this means for you and when we might see another rate drop? Dive into our latest blog to get all the insights! 🔍✨ Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #BankOfCanada #RateDrop #HomeBuyers #MortgageRates #RealEstateNews #HomeBuying #FinancialNews #MarketUpdate #HomeOwnership #FutureHomeowners #MortgageAdvice

So you bought your home when rates were low, and now your mortgage is up for renewal and you’re worried about whether you’ll be able to afford your payments now that rates have jumped? This is a very common concern for so many Canadians right now. It is expected that 2.2 million mortgages will be up for renewal this year and next. For many because of current interest rates, this means a likely jump in their monthly payments. If you are stressed about this likely jump in your payments, there is a simple option that may be available to you. This option is called Re-amortization. Swipe to see a realistic renewal example and how choosing to re-amortize your mortgage instead of simply renewing can make a significant difference in your overall budget. Have you received a renewal offer from your lender? Reach out for an expert review of this offer before signing on the dotted line! Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #MortgageBrokerAdvantage #EmpowerYourJourney #ExpertSupport #DreamHome #MortgageConsultation #HomeownershipJourney

Summer typically ushers in a bustling real estate scene, but this year's vibe feels a tad more cautious. Despite whispers of potential rate cuts, experts predict buyers might not rush back in droves just yet. According to the market gurus, buyers will likely gradually return throughout the latter half of the year. Translation: don't hold your breath for a frenzy of open-house tours just yet! Analysts reckon it'll take significant rate drops to coax those wary buyers back into the game. And with sellers who previously held off now mulling over listing their properties due to improved prices, we might see a wave of new listings shaping the market's path. But fear not! After a spell of declines, Canadian home prices are finding their footing. While prices may not skyrocket overnight, a steady climb alongside increased market activity is on the horizon. So, where do you stand? Are you biding your time, waiting for the perfect moment to dive back in? Or are you ready to take the plunge and kickstart your home search now? Let's dive into your unique situation and craft a strategy that matches your objectives! Whether you're a first-time buyer, eyeing an upgrade, or contemplating selling, staying in the loop with market trends is key to making savvy decisions. Let's chat! 🏡💼 Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #MortgageBrokerAdvantage #EmpowerYourJourney #ExpertSupport #DreamHome #MortgageConsultation #HomeownershipJourney #MortgageEducation #HomeFinancing #Empowerment

Happy Father's Day to all the amazing dads out there! 🎉 Today, we celebrate the fathers who inspire us, support us, and fill our lives with love and laughter. Whether you're a dad, stepdad, grandfather, or father figure, your guidance and wisdom shape our lives in countless ways. Here's to you, Dad – thank you for everything you do! 💙 Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #FathersDay #DadAppreciation #Fatherhood #FamilyLove

Escape the confines of traditional banking hours. Rowe gives you mortgage freedom on your terms, any time, any day. 🌟 Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #MortgageLiberation #RoweAnytime #BeyondBankingHours

A comment I hear a lot goes something like “Well I’m not a first time buyer and I don’t have 20% to put down so I wont be able to buy” Regardless if you’re buying your first place or your 10th place, the minimum down payment works like this: -5% of the first $500K -10% of the remaining purchase price above $500K, up to $999,999 Unfortunately people tend to trust the advice of friends, family or co-workers who are not experts in this field or real estate, instead of those like myself who have the available information right at their hands to confirm your questions. Don’t just take their word for it! Reach out to a professional like myself and get your information direct from the source! Cody Rowe 📲 (778) 350-ROWE (7693) 📧 codyrowe@dominionlending.ca Dominion Lending Centres | Modern Mortgage Group #RoweMortgageSolutions #Retirement #RetirementPlanning #GoldenYears #MortgageFree #ReverseMortgage #HomeownershipJourney