Purchasing a home is the biggest financial endeavor most Canadians will ever embark on. It can be a scary and stressful experience given the huge financial commitment and securing a mortgage with a competitive rate is one of the most important factors in the entire process. Understanding how the mortgage process works is an essential part of purchasing a home; you are committing to a huge sum of money that you will be repaying for up to 25-30 years in some cases, so you want to ensure you are paying the lowest interest rate possible.

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