Grant Lucas
Royal LePage Frank Real Estate
Realtor, ABR, SRS, SRES
905-718-2933
Grant@GrantLucas.ca
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Your Local Real Estate Expert
Providing Comprehensive Real Estate Services to Home Buyers and Sellers
What Lenders Must Disclose
Loans Covered By TRID Disclosures
Loans NOT Covered By TRID Disclosures
TRID Loan Estimates: 6 Required Pieces of Information
Can Lenders Request MoreInformation?
Do Lenders HAVE To Approve In 3 Days?
What Is A Business Day?
How Long Will Lenders Keep My Records?
What Does The Loan Estimate Tell You?
Could My Loan ExceedThe Estimate?
TRID Refunds: If Your Loan Exceeds Your Estimate
Can Creditors Revise Loan Estimates?
Can My Settlement Charges Change?
When Do I Get My Closing Disclosure?
TRID Loan Estimates:Terms, Payments, Closing
Loan Estimates: Loan Costs
TRID Loan Estimates:Services You Cannot Shop
TRID Loan Estimates:Services You CAN Shop
TRID Loan Estimates:Other Costs
Calculating Your Cash To Close
Understanding Loan Estimate Comparisons
Your Rights For Closing Disclosures
TRID Closing Disclosures:Understanding 1
TRID Closing Disclosures:Closing Costs
TRID Closing Disclosures:Understanding Summaries
Closing Disclosures:Important Additions
Determining Your Housing Needs
Start The Home-Buying Process!
Am I Ready To Buy?
How Lenders Decide Your Maximum Loan
Purchasing Vs Renting A Home
Do I Need A Lawyer To Buy?
Why Use a REALTOR?
How To Pick Your Community
Learn Your Community Resources
Walkthrough: What To Look For
Keeping Track Of Homes
What To Ask When Looking At Homes
Older Vs Newer Homes
What If You Feel Excluded?
Determining Property Tax Risks
Key Issues Before Buying A Home
Determining Your Initial Offer
How To Make An Offer
What Is Earnest Money?
What Is An Inspection Clause?
What Do Home Inspectors Do?
Be There For Inspection?
Do I Need Homeowners Insurance?
Lower Your Homeowners Insurance Costs
Powerlines: Health Hazard?
LEAD In Homes!
What About Flood Plains?
What Are Home Warranties?
Final Walkthrough Warnings
What Are Builders Incentives?
What Is A Decorating Allowance?
Preferred Lenders: Best Choice?
What Is The Punch List?
What Are Construction Perm Loans?
What Is A Rate Lock?
Comparing Production vs Custom Builders
New Homes: Use An Agent?
WNew Homes: Use An Attorney?
Comparing New-Home Builders
What Is A Mortgage?
What Is A Qualified Mortgage?
What Is Loan-To-Value(LTV)?
How Large A Down Payment Do I Need?
What Is Ability To Repay?
First-Time Mortgages?
The Main Types Of Mortgages
When Do ARMs Make Sense?
How Interest Affects Mortgages
What If Interest Rates Fall?
Fixed-Rate Mortgage Advantages
Key Factors In Mortgage Payments
What Does A Mortgage Cover?
What Are Discount Points?
What Is Mortgage Insurance?
What Is PMI?
What Is Prime?
What Is Equity?
Can I Pay Off Early?
If You Fall Behind On Your Home Loan
Key Steps To Secure Your Loan
What Is Debt-To-Income?
Pre-Qualifying vs Pre-Approval
Ability-To-Repay Exemptions
Lending Process DO andDO NOTs
After Your Loan Application
Choosing Your Lender
Choosing Your Home Loan
How To Compare Loans
Understanding Loan Fees
What Is A Loan Estimate?
What Is RESPA?
What Is An Appraisal?
Removing PMI From Loans
What Is A Credit Score?
Find Your Credit History
Improving Your Credit Score
Fixing Credit History Errors
What Is Escrow?
Closing Costs Explained Visually
Title Insurance Explained Visually
What Are Real Estate Commissions?
What Happens On Closing Day?
What Do I Get At Closing?
What Makes Up Closing Costs?
How Can The FHA Help?
What Are The Steps In FHA Loans?
Credit History The FHA
FHA Debt-To-Income RatiosAre FHA Loans Assumable?
Are FHA Loans Assumable?
Lower FHA Mortgage Premiums
What Is The FHA Loan Limit?
What Qualifies As Income For FHA?
If You Fall Behind On An FHA Loan
About FHA Closing Costs
About 203(b) and 203(k) FHA Loans
What Is HUD?
How Does HUD Help?
What Are VA Loans?
Major VA Loan Types
What Is The VA COE?
VA Funding Fee Exempt?
Understanding Joint VA Loans
VA Loans Your Discharge
VA Loans: More Than Once?
VA Loans: For Rentals?
VA Loans: For Farms?
VA Loans And Divorce
Improving Your Home Making Your Home Ready To SellValue
Making Your Home Ready To Sell
Preparing For Internet Showing
Home Sales Tips: Prepping The Inside
Home Sales Tips: Prepping The Outside
How Do I Evaluate An Offer?
What Is A Counter-Offer?
Closing Meetings For Sellers
The Closing Process For Home Sellers
For Sale By Owner?
When Should I Sell?
6 Home-Selling Mistakes
How Do I Select a Broker?
What Can I Ask Brokers?
Calculating Your Asking Price
Setting Your Price
Which Square Footage Figure?
How Is A Home Marketed?
What Is A Reverse Mortgage?
What Types of Homes?
Reverse vs Home Equity Loan
Reverse, Heirs Estates
Reverse Mortgage Amounts
Reverse Mortgage Payments
Existing Mortgages
Social Security, Medicare More
Circumstances To Consider
Understanding Reverse Mortgage Interest
HUD HECM Mortgage Insurance
Reverse Mortgage Repayment