Buying a home can be one of the most financially stressful decisions we are faced with in our life times. Many first time home buyers feel like ripping out their hair while trying to come up with their down payment. You may have heard about the Cash-Back mortgage and think it sounds like a dream. Who wouldn’t want to buy a house with some down payment and get that money back on closing? We’ve been in this business a long time and we’re here to give it to you straight: cash-back mortgages may sound appealing but in the end they’re not always the best option. Continue reading →