If you’re considering refinancing your mortgage or switching lenders in British Columbia, this isn’t just about chasing a lower rate. It’s about understanding the process, timing risks, and real costs—and knowing when moving your mortgage actually makes sense. At Rima Zino Mortgages, we don’t move mortgages lightly. Before asking you to gather documents, pull credit, […]

Turn Your New Home Into Your Dream Home in British Columbia With limited housing inventory across Vancouver, Surrey, Langley, Coquitlam, the Lower Mainland, and the Fraser Valley, many home buyers are finding it difficult to purchase a property that checks every box. In today’s market, the “perfect” home often isn’t move-in ready—but it may have […]

First-Time Home Buyer Programs in British Columbia: What You Need to Know Buying your first home in British Columbia can feel overwhelming—especially with rising home prices and upfront costs. The good news is that several federal programs are available to help first-time home buyers reduce the financial burden and make homeownership more accessible. Below is […]

What Is the Minimum Down Payment in British Columbia—and How Does It Affect Your Mortgage Application? Your down payment plays a major role in how your mortgage is structured, how much you can borrow, and what lenders will require from you. In British Columbia, the size of your down payment directly impacts your interest rate, […]

Can newcomers get a mortgage in British Columbia? Yes — if they are legally allowed to purchase property in Canada. Permanent Residents, eligible work permit holders, and Canadian citizens may qualify for a mortgage in British Columbia, including Vancouver, Surrey, Langley, Coquitlam, the Lower Mainland, and the Fraser Valley. Foreign nationals who are not eligible […]

Rima Zino, founder of Rima Zino Mortgages Inc. in British Columbia, understands that separation is not just a legal or financial event—it’s an emotional transition. When a relationship ends, and mortgage obligations continue, the path forward can feel overwhelming. This guide is designed to provide clear, compassionate, and practical guidance on navigating mortgage decisions after […]

Can you get a mortgage in BC after a consumer proposal? Yes. You can qualify for a mortgage in British Columbia after completing a consumer proposal. Most major lenders and mortgage insurers require the proposal to be fully discharged and at least two years of rebuilt credit before approving a new mortgage. How long after […]

Paying off a mortgage is one of the biggest financial goals most homeowners have. But in today’s BC market (Greater Vancouver–Fraser Valley)— with high prices in Vancouver, Burnaby, Richmond, Delta, Surrey, White Rock, Coquitlam, Maple Ridge, Pitt Meadows, Delta, Surrey, Langley, Abbotsford, Mission, and Chilliwack — it can feel like freedom is decades away. The […]

Maximizing Tax Savings For self-employed individuals, obtaining a mortgage can be a daunting task due to the complexities involved in verifying their income. Traditional lenders often require extensive documentation, making it difficult for these entrepreneurs to qualify for standard mortgages. However, the Canadian mortgage broker industry offers several tailored solutions to help self-employed individuals achieve […]

In the hustle and bustle of today’s world, we understand that time is precious, and convenience is key. If you’re searching for a new home, thinking about refinancing or approaching renewal, we’ve got great news for you. Thanks to advanced technology, your mortgage journey is about to become a whole lot easier. As a homebuyer, […]