Ask David

“Groundhog Day” down payment tip for first-time buyers

Dear David: We’re saving for our first home and are almost there. It feels like the hardest part is getting our down payment together. Any tips? – SCRIMP & SAVE DEAR S&S: Last week was Groundhog Day. While this is typically memorable for Wiarton Willie’s weather predictions, it also marks the time for first time

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Can our kids’ down payment go on our mortgage?

Dear David: We are empty nesters. We own a big house and have about a million dollars’ worth of equity in it. Our two children are in their mid-twenties and each is saving for a condo. We would like to help them out. We have a mortgage and can afford some extra payments but would

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Help for First time Buyers, Selling a rural property

Dear David, We’re ready to start looking for our first home. We want to purchase in next 3 to 6 months. We have a 5 percent down payment saved but are not sure where to go from here. – NEW TO THE MARKET DEAR MARKET: Congratulations on your decision to buy a home. Getting a

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Packing tips, Down payment

Dear David, We are in our mid-sixties and downsizing to a bungalow. We’re excited about the move, but are apprehensive about packing (we were a lot younger the last time we did this). Any tips? – BOXED IN DEAR BOXED: Packing can be physically demanding. I recommend you start as early as possible and cover

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