"I Would Recommend Sabeena Without Hesitation"

Sabeena Bubber • December 18, 2014

FROM A RECENT CUSTOMER SURVEY

As a way to make sure I am always paying attention to the service I provide my clients, I use a survey after a mortgage funds. It’s a simple question and answer format and provides me with tremendous insight.


I wanted to share one of my most recent testimonials (with his permission of course) with you as it highlights that the mortgage process isn’t always straight forward. Often times lenders products aren’t always what we want them to be (or need them to be)… and in this case, it meant changing lenders completely to get the right product.


I believe this is one of the biggest benefits of working with me as your mortgage professional, I work for you and not the lenders. It sounds so cliche, but it’s the truth. My goal is to make sure you find the right product, regardless of how many lenders that means working with.


From Glen April of 2014,

Would you recommend your Broker to a friend or Relative?

YES. Without Hesitation.


What aspect of our service did you value the most?

We appreciated Sabeena’s professional and creative approach to our financing needs despite our somewhat unconventional banking history of 3 countries in 5 years and was able to provide timely solutions as well as several options for both the builder’s loan and finally our mortgage.


Do you have any suggestions on how we could improve our service to you and to other clients in the future?


The only surprise along the way was with the initial builder’s loan provider. Their initial offering letter made it seem as if we would receive the loan proceeds in 2 sums; initial advance to proceed and at 80% completion we would receive the balance to get the house to completion. The actual loan contract had different language and while there were some tense moments Sabeena was able to quickly provide a second mortgage option. I still feel that was a slight of hand trick by the first lender.


Will you recommend us to your friends/family/colleagues? and if so, what would you tell them about us?


As stated above I would recommend Sabeena -and have done so already- without hesitation and when I have been asked about Sabeena I have described her professionalism and that she genuinely cares about her clients and takes an interest in their needs that is far too often lacking from loan departments in major banks. If you don’t fit their mould they don’t seem to care too much about your needs. Sabeena understands and appreciates that flexibility and creatively addressing financing needs can be a very good business on both sides of the relationship.


SHARE THIS ARTICLE

RECENT POSTS

By Sabeena Bubber September 2, 2026
The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. While Canada's economic recovery is broadening, a new layer of uncertainty has entered the picture. Here is what happened and what it means for your mortgage.
By Sabeena Bubber August 26, 2026
Missed a Credit Card or Line of Credit Payment? Here’s What to Do If you’ve missed a payment on a credit card or line of credit and you’re worried about how it might affect your credit—or your future mortgage—this is for you. First things first: 👉 If you currently have an overdue balance, log in and make the minimum payment now. Seriously. Do that first. Everything else can wait. If You’re Only a Few Days Late Here’s the good news: Credit bureaus don’t record late payments until they reach 30 days past due. So if you missed a due date by a few days and paid it as soon as you noticed, it typically won’t show up on your credit report as a late payment—as long as you’re under the 30-day mark. That said, it never hurts to double-check. You can call your credit card company, explain what happened, and confirm the account is back in good standing. If you normally pay on time, they may even reverse the interest charged. It doesn’t hurt to ask. If You’re 30, 60, or 90 Days Behind If payments have gone past 30 days, your credit has likely been impacted—but the situation is still fixable. The most important step is to: Bring all accounts current as soon as possible Make at least the minimum payment on every account The faster you catch up, the more you limit the damage. Ignoring missed payments only makes things worse. If Cash Flow Is Tight If you’re struggling to make payments, communication matters. Contact your lender and keep them informed—even if you can’t pay right away. Lenders are far more willing to work with you when you’re transparent. What hurts your credit most is silence . If lenders don’t hear from you after repeated missed payments, they may write the balance off as bad debt and send it to collections. Collections can significantly impact your credit and stay on your report for years. How This Affects Mortgage Qualification Repeated missed payments can make qualifying for a mortgage more difficult—but timing matters. Once you’re back to making regular, on-time payments: Your credit can improve over time The impact of past mistakes becomes less significant If you’re planning to buy a home in the next couple of years, addressing credit issues early gives you far more options later. Final Thoughts Missing a payment doesn’t mean you’re “bad with money,” and it doesn’t mean homeownership is off the table. What matters most is how quickly you respond and how consistent you are going forward . If you’d like help reviewing your credit report or understanding where you stand from a mortgage perspective, feel free to connect. I’d be happy to walk through it with you and help you create a clear path forward.
By Sabeena Bubber August 19, 2026
Can’t Find the Right Home After You’re Pre-Approved? There’s Another Option The best place to start any home purchase is with a mortgage pre-approval. It gives you clarity around your budget and lets you shop with confidence. But what happens when you’ve been pre-approved, you know where you want to live—and nothing suitable fits your price range? This is a common challenge, especially for first-time homebuyers. Before buyer fatigue sets in, it may be worth considering a different approach: buying a home that needs work and financing the renovations as part of your mortgage . What Is a Purchase Plus Improvements Mortgage? A purchase plus improvements program allows you to buy a property and include the cost of approved renovations directly in your mortgage. This can be a great solution if: You can’t find a move-in-ready home within budget You’re open to renovations You want to customize the home from the start It opens up more options and can help you get into a location or property that would otherwise be out of reach. How the Process Works While the idea is straightforward, the process itself is structured and requires planning. Here’s a high-level overview: Renovation quotes are required upfront You’ll need detailed quotes for the work you want completed before final mortgage approval. Renovations must add value The lender must be satisfied that the improvements will increase the property’s value accordingly. Funds are reimbursed, not advanced You pay for the renovations initially. Once the work is completed and verified by an appraiser, the lender reimburses you and adds the cost to your mortgage. With the right guidance, this process is very manageable—but it’s important to understand the steps before committing. Is This Program Right for You? Purchase plus improvements isn’t for everyone. Buying a home is already a big undertaking, and adding renovations can increase stress—especially if timelines, budgets, or contractors become challenging. That said, if you’re financially prepared and like the idea of shaping the home to fit your needs, this program can be an excellent way to get more value and flexibility from your purchase. Final Thoughts If you’re struggling to find the right home after being pre-approved, you may not need to lower your expectations—you may just need a different strategy. If you’d like to explore whether a purchase plus improvements mortgage makes sense for you, feel free to connect. I’d be happy to walk you through the process and outline exactly what this option would look like in your situation.