Susan Kramm-Realtor-Realty Executives Battlefords

a wealth of information and practical advice that will empower you as a home buyer or seller.

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Insured Mortgage Update
Insured Mortgage Update!

CMHC rule change will affect home buyers and sellers
Canada Mortgage and Housing Corporation (CMHC) is tightening its rules to qualify for an insured mortgage. At least one applicant's credit scores will need to be 680, up from the previous minimum of 600. To ensure borrowers can keep up with payments, maximum total debt service ratios will be lowered from 44 to 42

The main changes to CMHC lending rules
Gross debt service (GDS) ratios must be under 35, down from 39.
Total debt service (TDS) ratios must be under 42, down from 44.
Borrower's credit score must be at least 680, up from 620.
Borrowed down payments will no longer be allowed.

On the heels of CMHC announcing it was changing some of its underwriting policies, Genworth, a private insurer has confirmed that it will NOT follow suit.  Genworth feels that measures that are already in place will keep them withing their risk tolerance.


For additional information about how this will affect you call me

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