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- 23:53, 22 January 2024 JamieHung9732 talk contribs created page User:JamieHung9732 (Created page with "Conventional mortgages require 20% down in order to avoid costly CMHC insurance charges added to the loan amount. Longer amortizations reduce monthly installments but greatly increase total interest costs in the life of the mortgage. First time home buyers with limited deposit can utilize programs much like the First Time Home Buyer Incentive. Mortgage pre-approvals outline the pace and amount of the loan offered a long time before the purchase closing date. Fixed rate m...")