Recent new regulations affect refinancing a mortgage as well as programs for new Canadians and first-time home buyers. Find out what has changed, what documents are needed and what the down payment requirements are for various lenders or insurers. We'll discuss types of mortgages (e.g., fixed, variable, open, closed, HELOC), along with how interest and amortization affect the cost of buying a home. Understand your credit rating, what the score means and what to do if your credit is less than perfect. Whether you are self-employed or paid on commission, on salary or by the hour, find out what you need to qualify for a mortgage.