Atrina Kouroshnia
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Atrina is an independently licensed mortgage broker in Vancouver, BC. She specializes in helping residents invest in their future through the purchase of their first home. She has a degree in Human Relations and Commerce, as well as past work experiences in HR and Real Estate Development. Atrina brings a holistic approach to the table when finding her clients the best mortgage available. She believes in complete transparency and ensures that her clients understand every detail of the process and all of their options. You can contact Atrina and get access to her blog on her website, mortgagebyatrina.com.

Entries by Atrina Kouroshnia

Understanding No Debt Payouts For B.C. Mortgage Brokers

(1) Comments | Posted April 7, 2017 | 12:38 PM

There are times I ask myself whether anyone actually knows what a mortgage broker does. Unlike some professions, you don't need us...well, until you do. Being a broker comes with a great deal of responsibility as we deal directly with your finances and third party debts. But a new amendment...

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Will Canada's Real Estate Market Get Trumped?

(3) Comments | Posted January 4, 2017 | 10:50 AM

What Trump's Presidency Means for Canada & Our Real Estate Market

I think I speak for (almost) all Canadians when I say that Donald Trump's win came as a wee surprise. Now that the shock has worn off, just weeks before he takes office, Canadians everywhere are asking what this...

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How The B.C. Foreign Buyer Tax Changed My Business

(1) Comments | Posted January 4, 2017 | 5:23 AM

As a mortgage broker working almost exclusively in B.C. for the last five years, I was curious to see how B.C.'s new foreign buyer tax and new mortgage qualifications would change my business. While some of the impact was predictable, I've been wholly surprised by its effect on other aspects.

...
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Buying Instead Of Renting Can Lift You Out Of Vulnerability

(2) Comments | Posted November 15, 2016 | 3:07 PM

woman house keys

If you've watched the news lately, chances are you've already seen how the Vancouver housing crisis has created a vacuum of exploitation, with ads offering free housing in exchange for sex.

When the news story first broke, those like myself who...

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Vancouver School Closures Stick Families With Impossible Choice

(0) Comments | Posted September 28, 2016 | 8:05 AM

With the housing market in Vancouver motoring along at its dizzying pace, most potential homeowners have their hands full finding something they can afford. But if you happen to be one of the many couples with school-age children, the Vancouver School Board (VSB) and its many upcoming closures...

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Are Our Emotions Running The Real Estate Market?

(13) Comments | Posted August 10, 2016 | 9:42 AM

Mass hysteria.

Loosely defined as a phenomenon that transmits collective delusions of threats, whether real or imaginary, through a population in society as a result of rumours and fear. Sound familiar? I thought it might. If you didn't know better you'd think we were talking about black magic, but I'm...

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Introducing Micro Units: The Future Of Vancouver Real Estate

(8) Comments | Posted June 10, 2016 | 11:37 AM

Have we finally found the answer to the Vancouver housing crisis? Are micro units, small condos and bachelor suites the way of the future; able to douse our city's precariously overheated housing market in a cool shower of affordable, convenient rental units?

It seems the question is still up...

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Unravelling The Mortgage Challenges Of Going From Pre-Approval To Approval

(0) Comments | Posted May 11, 2016 | 4:40 PM

Pre-approval and approval are terms we hear thrown around a lot in real estate, and yet all too seldom do homebuyers know what's necessary to secure one in the first place. The fact is, a pre-approval should be one of the first steps in the property search process.

As...

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Are Women Rising To The Real Estate Challenge?

(1) Comments | Posted March 8, 2016 | 9:03 AM

Though perhaps somewhat uncharacteristic, when it comes to real estate, women have been more than a little late to the party. It's not hard to understand either when you look at the surrounding factors. Consider this: As recently as fifty years ago, Canadian women were not able to obtain a...

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5 Ways To Ensure You Can Afford Your Mortgage

(0) Comments | Posted February 23, 2016 | 10:32 AM

Embarking on home ownership is a big responsibility, and so is the mortgage that comes with it. Here in Greater Vancouver we've seen enormous media coverage lately on the skyrocketing price tag of real estate, not to mention the controversy surrounding tear-downs going for well into seven figures and bidding...

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Plan For The Worst Before Purchasing A Home Together

(1) Comments | Posted December 9, 2015 | 1:16 PM

In high-cost cities like Vancouver and Toronto, it is very common to have both partners on the mortgage or rental agreement to make housing costs more affordable.

Depending on how much someone is paying for rent and the necessary down payment available, home ownership may make more...

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Porting a Mortgage is Harder Than You'd Think

(0) Comments | Posted August 24, 2015 | 4:50 PM

If you're hoping to buy a new home before the new school year starts, then you'll likely need to budget for prepayment penalties unless you're approaching renewal times. And if you're buying in a competitive market like Vancouver, you'll have to move quickly and close on the seller's timeline.

...
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When it Makes Sense to Consider a 35-Year Mortgage

(0) Comments | Posted June 10, 2015 | 2:56 PM

British Columbia and Vancouver in particular is a hot real estate market at the moment. In fact, the Vancouver Sun reports that April was B.C.'s strongest level of sales for that month in a decade and a 29 per cent increase over April of 2014. The province's growth...

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The Risks In Making Real Estate Offers Without Subjects

(3) Comments | Posted March 24, 2015 | 2:58 AM

In competitive housing markets like Vancouver, buyers feel the pressure to move quickly and make seller-friendly offers, often with no subjects such as financing or inspections. In fact, the Vancouver Sun reported a few months ago that some houses and condos in the area sold within a week...

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Is Now the Time To Refinance? Run The Numbers First

(0) Comments | Posted February 12, 2015 | 3:19 PM

With talk about interest rates lowering even further after the Bank of Canada's surprise announcement several weeks ago, many homeowners across B.C. are likely wondering if it's time to refinance their mortgage and take advantage of lower rates.

Many British Columbians pay more in housing costs than other...

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Vancouver Real Estate: 5 Mistakes That Could Mess Up Your Closing

(2) Comments | Posted January 21, 2015 | 9:45 PM

Congratulations! You've gotten an offer accepted on a home, your financing is approved, and you're just weeks away from closing. Nothing can stop you from moving into your dream home... or so you think. Here are a few rookie mistakes that can complicate your closing process, especially given how competitive...

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Vancouver Real Estate: What Happens When An Appraisal Falls Short

(0) Comments | Posted December 12, 2014 | 6:01 PM

Bidding wars for Vancouver real estate can have unintended consequences if a buyer offers more than the property's appraised value. I haven't had appraisals fall short for purchases (with the exception of one private sale), but in some competitive bidding situations, it could happen.

For conventional deals, most lenders...

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Part 2: Seriously, Why Are You Still Renting In Vancouver?

(1) Comments | Posted November 16, 2014 | 1:39 PM

In my recent article titled "Seriously, Why Are You Still Renting in Vancouver?" some valid concerns came up that I would like to address. The main concern raised was whether or not owning real estate is right for you. In all of my meetings and blog posts, I...

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Seriously, Why Are You Still Renting In Vancouver?

(48) Comments | Posted November 3, 2014 | 4:11 PM

Vancouverites love to complain about housing costs. A few of my friends and neighbours are currently looking at renting a home, and the rates are outrageous. You can easily pay $1,800 for a one-bedroom apartment downtown, and at the end of your lease you've padded your landlord's pockets but haven't...

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What To Consider When Renting Out A Suite In Your Home

(3) Comments | Posted October 15, 2014 | 5:27 PM

One effective way to offset the costs of a mortgage is to create a secondary suite or in-law suite and rent it to a tenant. Many houses in British Columbia already have a secondary suite built by a previous owner, and buying a property that includes a ready-made suite with...

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