Melissa Berrigan, Exp Realty

Home
Canada
Courtenay, BC
Melissa Berrigan, Exp Realty

Purpose - To SERVE clients with the highest standards & integrity, working hard to ensure YOUR goals

I am a dynamic Realtor®, serving both the needs of buyers and sellers near and far. I am also a great fit for buyers and sellers relocating to and from the Comox Valley with IRP and Military Relocations (19 Wing Comox). My husband, Ken, has recently retired after 25 years in the Reg Forces. He is now an active Reservist with CFB Comox (MWO Berrigan) and as such, I have a strong understanding and c

ompassion of the military lifestyle and appropriately handles the needs and stresses of our CFB Comox Military clients, as well as the Managing Directors for the relocation. I am obsessed with going the extra mile...I have saved out of town seller clients from the inconveniences of home renovations from afar, making sure empty properties' lights and heat are turned on (and off) for showings; and for buyers, making sure to find the right home in the right neighbourhood – even going so far as to seek out meetings with team coaches about those particular client’s children’s sports interests. I will leave no stone unturned to find a buyer the right home in the Comox Valley, and I am deeply committed to providing the best service possible.

08/27/2026

Being your own boss comes with great perks, but getting a mortgage requires a different game plan.

Lenders review self-employed income differently than a standard T4 salary. Because tax write-offs often lower your reported net income, traditional pay stubs do not tell the full story. That is why complete documentation, like two years of Notices of Assessment, T1 Generals, and business account statements, is critical to proving your true qualifying power.

Having organized records and the right presentation strategy makes all the difference in securing an approval.

08/22/2026

Ready for a new chapter? Whether you're looking for more space, a better location, or simply a home that fits where life is taking you, your next move starts with a plan.

Know your budget, understand what you can comfortably afford, and be ready when the right home comes along.

Your next home could be closer than you think.

08/20/2026

Before deciding what you can afford, look at the bigger picture: your everyday expenses, savings goals, debt payments, utilities, and the room you want left over for the unexpected.

A home should fit comfortably into your life, not stretch your budget to the limit. Knowing what you can safely afford can help you shop with more confidence and plan for the future.

08/15/2026

Sometimes a fresh start means a new home, a little more space, or simply finding a place that fits where life is taking you next.

Whatever your next chapter looks like, it starts with taking that first step.

08/13/2026

Your borrowing power isn’t just about your income. Your credit, existing debts, monthly expenses, down payment, and overall financial picture can all affect how much you may qualify for.

Taking a closer look at these factors before you apply can help you understand your budget and avoid surprises when you’re ready to buy.

08/08/2026

Ready for a fresh start? 🏡

Whether you’re looking for more space, a new neighbourhood, or a home that better fits where life is taking you, your next chapter could start with the right home.

Ready to turn the page?

08/06/2026

Saving for a down payment is an important step, but it's only one piece of buying a home.

Lenders also look at factors like your income, debt levels, credit history, and overall financial picture when determining what you qualify for. Even with a solid down payment, these details can make a big difference in your mortgage approval.

Preparing all aspects of your finances before you start shopping can help make the home buying process much smoother.

08/01/2026

Homeownership starts with a plan, not just a home search.

Before you start shopping, take time to understand your budget, explore your mortgage options, and make sure you're financially prepared. Planning can make the home buying process smoother and help you move forward with confidence when the right opportunity comes along.

07/29/2026

More space can mean more possibilities.

Whether it's room for a growing family, a home office, a hobby space, or simply a little more breathing room, the right home can better fit the way you live today and where you're headed next.

When your lifestyle changes, your home can too.

07/25/2026

Choosing a mortgage isn't just about getting approved or finding the lowest rate. The wrong mortgage could leave you with costly prepayment penalties, limited flexibility if your plans change, or higher costs over the life of your loan.

Understanding your options, including fixed vs. variable rates, term lengths, payment features, and penalty structures, can help you choose a mortgage that fits your financial goals, not just your current situation.

A little research today can help you avoid expensive surprises later.

Address

Courtenay, BC

Telephone

+12507920464

Website

http://www.melissaberrigan.ca/

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