First Time Homebuyer Archives

Important Policy Update – MAY 2021 – New 5.25% Stress Test in effect June 1st, 2021

New 5.25% Stress Test effective Jun 1st 2021

Posted by kpolyakov | Saturday, 22 May, 2021 | Comments Off

Two of the hottest topics at any dinner table, zoom call or virtual conference this past spring 2021 have been: sizzling-HOT real estate market activity, & ultra-LOW mortgage rates […]

First Time Home Buyer Incentive: Part 3

Posted by kpolyakov | Tuesday, 24 September, 2019 | Comments Off

Hey guys, Recently, a lot of people have asked us about the First Time Home-Buyer Incentive (FTHBI) and we thought it was time to create […]

First Time Home Buyer Incentive: Part 2

Posted by kpolyakov | Thursday, 19 September, 2019 | Comments Off

Hey guys, Recently, a lot of people have asked us about the First Time Home-Buyer Incentive (FTHBI) and we thought it was time to create […]

First Time Home Buyer Incentive: Part 1

Posted by kpolyakov | Tuesday, 17 September, 2019 | Comments Off

Hey guys, Recently, a lot of people have asked us about the First Time Home-Buyer Incentive (FTHBI) and we thought it was time to create […]

Posted by kpolyakov | Wednesday, 21 August, 2019 | Comments Off

In 2019, Konstantin Polyakov did a number of presentations and talks on the topic of ‘How does next generation buy a home?”. While a topical […]

The Pocket Mortgage Guide To: Basement Apartments

Posted by kpolyakov | Tuesday, 2 July, 2019 | Comments Off

Basement Apartment Many people who move into a larger property often consider renting out some of their extra space. Usually, this takes the form […]

The Pocket Mortgage Guide To: Choosing A Broker Over The Banks

Posted by kpolyakov | Tuesday, 18 June, 2019 | Comments Off

When structuring mortgages, Banks have set lending guidelines that are typically geared towards AAA business with little to no tolerance for anything irregular. If you […]

Pocket Mortgage Guide To: Business For Self Applicants

Posted by kpolyakov | Tuesday, 11 June, 2019 | Comments Off

Many Business For Self (BFS) applicants will be in for a hard time when applying at a traditional bank. The majority of banks are […]

What Does Owning A Condo Really Mean?

Posted by kpolyakov | Thursday, 16 May, 2019 | Comments Off

Buying into a Stratified Property Know what that means for you! If you are looking to purchase a townhome, apartment or condo, you will more […]

Why financing a car before buying your first home may not be a great idea

Posted by kpolyakov | Monday, 26 March, 2018 | Comments Off

Have you heard of the expression “cash flow is king”? Although cash flow is often considered a business term, it is very relevant to personal finance. First, […]

Ali Zia

2023-06-30

I had a fantastic experience working with Konstantin from Pocket Mortgage. He was polite, curtious and on top of things. I would highly recommend him to my friends and everyone.

K Lee

2023-03-16

Konstantin and Dan were a great support in the purchase of my home. They answered all my questions (there were many) and got me the best rate possible.

Jill Carroll

2023-02-10

Konstantine went above and beyond to ensure my husband and I felt comfortable and confident with the financial decisions we were making. He provide additional insight and assistance when we had further questions. No matter where he was in the world he answered our call. Will stay with Konstantine for all our future mortgage needs! Thank you!

Paul Dinelle

2022-12-10

Konstantin was fantastic, answered all my questions, easy to contact, responsive, and helped explore multiple options to get the financing we needed. Thanks again!

Rène Descartes

2022-12-09

We are very thankful to Broker Konstantine. He helped us from begining to end for all process for our first property purchase. He was so transparent during all steps. He gave us all details when we had any questions he responded all questions speed of light. He is real fighter and we are so glad to work with him.

S J

2022-11-19

Konstantin is truly one of a kind. I only had a limited time to close my home and I am speechless for his fantastic job from beginning to end making the process as painless as possible. Even when the going got tough Konstantin found the best solutions to finally close. He even provided me with extremely helpful tips for future financial planning that none of the other professionals in the field shared with me, and I am so much better educated just by knowing Konstantin. He is experienced, confident, and will find THE BEST solution for you. I recommend Konstantin 100% and I will definitely be back to do business with him. Thank you sincerely!!

Eu Ra

2022-11-14

Konstantin is a force of nature. Very professional and thorough to deal with. He will go through the whole mortgage process with you without missing a single detail. Working with him ensures that you are in good hands and that he has your back at all times. He will go to any length to get you the best terms. Will highly recommend Pocket Mortgage to anyone looking for a safe and reliable mortgage broker.

Monica Gomez

2022-08-22

Konstantin Polyakov is an amazing mortgage broker, he kept me advised every step of my mortgage process and everything was according with the times that he told me. I felt confident all the time, his explanations were easy and he were always willing to answer all my questions. He really knows what he does and is good in that. I highly recommend Konstantin as a mortgage broker for his attitude, professionalism, efficiency and commitment. Thank you Monica Gomez

M Rapada

2022-08-16

As a trusted financial advisor, I need and expect the utmost in service, and that is what the Pocket Mortgage always delivers! They handle all of the tedious paperwork and make the process painless. I have no words to describe Konstantin - he is just phenomenal. He takes time to ensure that we understand the entire process of closing on a mortgage. You can contact him anytime once you have a question, via text messages, or email, then in 1 minute he will call you right away! We appreciate all the things Konstantin did for us, and we highly recommend him to everyone looking to obtain financing. Thank you again, Konstantin! ~~SR&MR~~

HWS Somaratna

2022-07-26

It’s been amazing work with you and seen the closing come through very smoothly. I am amazed at how simple you put through the complex process and helped me to get through the most nervous part comfortably. As a first time home buyer who know nothing of the processes I felt quiet at home working with you. Thank you so much for all the clarification and patiently explaining sometime the same thing multiple time 😀. Would recommend and refer you to anyone without a second thought. Thank you Konstantin again 😀

Important Policy Update – MAY 2021 – New 5.25% Stress Test in effect June 1st, 2021

First Time Home Buyer Incentive: Part 3

First Time Home Buyer Incentive: Part 2

First Time Home Buyer Incentive: Part 1

How do millennials afford real estate in 2019?

The Pocket Mortgage Guide To: Basement Apartments

The Pocket Mortgage Guide To: Choosing A Broker Over The Banks

Pocket Mortgage Guide To: Business For Self Applicants

What Does Owning A Condo Really Mean?

Why financing a car before buying your first home may not be a great idea

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