If you are pre-approved for a mortgage, some lenders will give you 120 days starting Jan. 1 to buy your new home without worrying about the new rules. The same holds for mortgage refinancing. If you had a mortgage refinance commitment in place by Dec. 31, you have 120 days to follow suit, said Laird.

Ten ways the new mortgage rules will shake up the lending market Open this photo in gallery: A sold sign is shown in front of west-end Toronto homes Sunday, May 14, 2017.

If you plan to buy a home and obtain a mortgage, either now or in the future, there are certain things you should know about how mortgage loans work. Specifically, here are 10 principles you.

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Editor’s note: New mortgage rules scheduled to take effect in 2014 could fundamentally change the way home loans are created.All borrowers should know about these forthcoming changes. To help you sort it all out, we have created this handy guide to the 2014 mortgage lending rules.

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New mortgage rules for 2018: What you need to know If you’re thinking about getting a mortgage, renewing an existing mortgage or refinancing a mortgage in 2018, it’s important you understand some critical changes to mortgage regulations that went into effect on Jan. 1.

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