Toronto Star reached out for the broker view on this one. The piece I emphasized: most mortgage decisions are framed as one big choice, but they're really a chain of small ones. Term length, payment frequency, prepayment privileges, port options, penalty structure. Each decision is small. Together they're worth tens of thousands over the life of the loan.
Tempted to stretch the truth on a mortgage application to qualify for that home? Here's how it could haunt you for life
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