--- title: Mortgage Topics description: When it comes to buying a house, you can never know too much. We want to provide with everything you need to know about the mortgage process. --- [![Richards-Mortgage-Group-LOGO](https://www.richardsmortgagegroup.ca/hs-fs/file-2071180059-png/RMG-img/RMG-HomePage/Richards-Mortgage-Group-LOGO.png?width=350&name=Richards-Mortgage-Group-LOGO.png)](https://115190.hs-sites.com/richards-mortgage-group-home) [![facebook](https://www.richardsmortgagegroup.ca/hs-fs/file-2070806601-png/RMG-img/RMG-HomePage/fb.png)](https://www.facebook.com/richardsmortgagegroup)[![twitter](https://www.richardsmortgagegroup.ca/hs-fs/file-2071180019-png/RMG-img/RMG-HomePage/tw.png)](https://twitter.com/MortgageIntell)[![google plus](https://www.richardsmortgagegroup.ca/hs-fs/file-2070806606-png/RMG-img/RMG-HomePage/gp.png)](https://plus.google.com/+RichardsMortgageGroupCanada/about)[![linkedin](https://www.richardsmortgagegroup.ca/hs-fs/hub/115190/file-2070806596-png/RMG-img/RMG-HomePage/li.png)](https://ca.linkedin.com/in/richardsmortgagegroup)[![LET’S TALK](https://no-cache.hubspot.com/cta/default/115190/e82b3a4f-447a-4c33-b6c9-d1f754bc1167.png)](https://cta-redirect.hubspot.com/cta/redirect/115190/e82b3a4f-447a-4c33-b6c9-d1f754bc1167)               # Mortgage Topics ### When it comes to owning a house, you can never know too much. We want to provide with everything you need to know about the process. [![Couple asking about available buyer assistance programs](https://www.richardsmortgagegroup.ca/hs-fs/file-2172602710-jpg/RMG-img/Page-images/Buyer-Assistance-Programs1.jpg "Couple asking about available buyer assistance programs")](https://115190.hs-sites.com/buyer-assistance-programs) ### Buyer Assistance Programs Many federal, provincial and local agencies administer programs to assist people who need help [ ![learn-more](https://www.richardsmortgagegroup.ca/hs-fs/file-2133857162-png/RMG-img/RMG-HomePage/learn-more.png)](https://115190.hs-sites.com/buyer-assistance-programs) [![Couple looking at mortgage default insurance amounts at different down payments.](https://www.richardsmortgagegroup.ca/hs-fs/file-2172599642-jpg/RMG-img/Page-images/Mortgage-Default-Insurance1.jpg "Couple looking at mortgage default insurance amounts at different down payments.")](https://115190.hs-sites.com/mortgage-default-insurance) ### Mortgage Default Insurance Learn how mortgage default insurance permits you to buy with as little as 5% down payment   [![learn-more](https://www.richardsmortgagegroup.ca/hs-fs/file-2133857162-png/RMG-img/RMG-HomePage/learn-more.png)](https://115190.hs-sites.com/mortgage-default-insurance)     [![Financing Home Improvements](https://www.richardsmortgagegroup.ca/hs-fs/hubfs/images/refinance-plus-improvements.jpeg?width=399&name=refinance-plus-improvements.jpeg "Financing Home Improvements")](https://115190.hs-sites.com/buyer-assistance-programs) ### Financing Home Improvements Renovations improve the utility and increase the value of your property. [![learn-more](https://www.richardsmortgagegroup.ca/hs-fs/file-2133857162-png/RMG-img/RMG-HomePage/learn-more.png)](https://www.richardsmortgagegroup.ca/financing-home-improvements-canada) [![Young couple asking mortgage qualifying questions](https://www.richardsmortgagegroup.ca/hs-fs/file-2172632980-jpg/RMG-img/Page-images/Qualifying1.jpg "Young couple asking mortgage qualifying questions")](https://115190.hs-sites.com/qualifying) ### Qualifying for a Mortgage See if you can qualify for a mortgage, learn the approval process and discover the 5 C's of lending. [![learn-more](https://www.richardsmortgagegroup.ca/hs-fs/file-2133857162-png/RMG-img/RMG-HomePage/learn-more.png)](https://115190.hs-sites.com/qualifying) ![Couple looking at reverse mortgage details](https://www.richardsmortgagegroup.ca/hs-fs/file-2171348866-jpg/RMG-img/Page-images/Reverse-Mortgage1.jpg?t=1418053462795 "Couple looking at reverse mortgage details") ### Reverse Mortgages Find out the advantages of a reverse mortgage, and learn what to consider [![learn-more](https://www.richardsmortgagegroup.ca/hs-fs/file-2133857162-png/RMG-img/RMG-HomePage/learn-more.png?t=1418053462795&t=1418053462795)](https://115190.hs-sites.com/reverse-mortgage)       View Our Current Mortgage Rates [![CURRENT MORTGAGE RATES](https://no-cache.hubspot.com/cta/default/115190/11e7ad43-d0a1-499d-8592-d1249a04dcf8.png)](https://cta-redirect.hubspot.com/cta/redirect/115190/11e7ad43-d0a1-499d-8592-d1249a04dcf8) [![APPLY NOW](https://no-cache.hubspot.com/cta/default/115190/772d8183-aae7-4e72-a49f-0c57be1f0923.png)](https://cta-redirect.hubspot.com/cta/redirect/115190/772d8183-aae7-4e72-a49f-0c57be1f0923) Contact Us Richards Mortgage Group 73 Riverview Circle Cochrane, AB T4C1K3 T: 587.774.6290 TF: 1.888.540.1715 Fax: 587.315.6117 [Contact Us](https://www.richardsmortgagegroup.ca/contact) Connect With Us [![facebook](https://www.richardsmortgagegroup.ca/hs-fs/file-2079671164-png/RMG-img/RMG-HomePage/footer-fb.png)](https://www.facebook.com/richardsmortgagegroup)[![twitter](https://www.richardsmortgagegroup.ca/hs-fs/file-2079671174-png/RMG-img/RMG-HomePage/footer-tw.png)](https://twitter.com/mortgageintell)[![google plus](https://www.richardsmortgagegroup.ca/hs-fs/file-2079165796-png/RMG-img/RMG-HomePage/footer-gp.png)](https://plus.google.com/+RichardsMortgageGroupCanada/about)[![linkedin](https://www.richardsmortgagegroup.ca/hs-fs/hub/115190/file-2079671169-png/RMG-img/RMG-HomePage/footer-li.png)](https://ca.linkedin.com/in/richardsmortgagegroup) Recent Blog Posts ### Recent Posts Brokerage Head Office [![Quantus Mortgage Solutions](https://www.richardsmortgagegroup.ca/hs-fs/file-2188912383-png/RMG-img/RMG-HomePage/Quantus-transparent-2.png?width=169&name=Quantus-transparent-2.png "Quantus Mortgage Solutions")](http://www.qmortgage.ca/) 6025 12 St SE, Suite 235 Calgary, AB  T2H2K1 403.238.3111 Canada [Privacy Policy](https://115190.hs-sites.com/privacy-policy)