Recently I was talking to a couple that wanted to sell their townhome in Lower Mission and upgrade into a single family home with more space for their growing family. For the sake of privacy lets just call them "the Jacksons". But there was one problem - a hot sellers market. Homes are selling almos

In October 2016 the federal government introduced a stress test which required borrowers to qualify for a rate higher than what they were actually paying. This was implimented to protect borrowers in the event that interest rates increased in the future so that they would still be able to afford the