Mortgage Solutions
CREDIT CHALLENGED?
Whether your credit be considered the Good, the Bad or the Ugly,
There are many situations that adversely affect your credit
rating.
Whether it be job interruption, divorce, family illness, or
perhaps some poor choices in the past that have caused your
current credit issues, we can help.
Quite simply put, your credit score determines not only if you
qualify for mortgage financing but at what rate.
Good credit = Lowest discounted rates
When every percentage point means thousands of dollars in your
pocket, good credit makes good sense.
We will review your credit bureau and put a plan-of-action
together, a road map, if you will, to assist you in repairing
your situation.
It’s not our place to pass judgment. We’re here to help you move
on and get you back on track, making discounted rates an option
once again.
NEW PURCHASE
Perhaps you need a bigger yard or another bedroom for your
soon-to-be addition. Maybe you’re re-locating.
Whatever your reason for moving on, we have answers to your
mortgage questions.
Consider getting pre-approved before you start shopping. This
process will save you valuable time and money.
We pride ourselves on delivering to our valued clients, the most
competitive financing package available.
As no two clients are alike, we strive to achieve not only the
best rate for you, but also the best terms and pre-payment
privileges as well, tailored to meet your specific needs and
future goals, not the banks.
FIRST TIME BUYERS
So, you’re looking to buy your first home. Congratulations!
It’s a huge step!
The purchase of your home is the biggest investment most people
will ever make in their lifetime.
You owe it to yourself and your future to seek out the best
financing possible.
We will take the time to answer your questions, explain the
process step-by-step, and when you're ready, find a mortgage
that will make your first home a reality.
We will obtain a pre-approved mortgage for you, in writing,
guaranteed to hold your rate for up to 120 days while you search
for your new home.
Let us make the process less intimidating for you.
EQUITY TAKEOUT
Need a source of extra funds for your children’s education, for
that dream vacation, your home renovation project, to add to
your investment portfolio or something else?
It may be as close as the equity in your home.
If you need to free up some cash, apply to get pre-approved and
we’ll help you with how much equity you can take out, and what
your monthly payments could be.
You may be surprised at the power of your hard-earned home
equity.
REFINANCING
Save big with Debt Consolidation - One of the very best reasons
to refinance your existing or renewing mortgage is to
consolidate your debts.
Is it getting tougher and tougher to come up with those minimum
payments each month? Then, you’re so strapped for cash, you need
to use credit cards to pay for daily expenses?
Maybe you’re just tired of paying for a debt that NEVER GOES
AWAY!
It’s not rocket science that at rates of up to 28.8% and you are
making anywhere from a 3% to 5% minimum payment each month…you
will conceivably pay off the ORIGINAL debt when you’re old &
grey.
You can only ride that roller-coaster so long before you start
to feel nauseous.
It’s time to put your hard earned equity to use! Your investment
in your home will allow you to consolidate your debts into one,
low monthly payment.
Immediately increase your cash flow, increase your credit score,
lower your interest payments, and actually work towards finally
paying that debt off. Let us negotiate with your existing lender
or switch to a new lender who will give you the lowest mortgage
rates in Ontario.
Our clients save thousands in interest and monthly payments.
Let us show you how.
SELF-EMPLOYED
An ever growing number of Canadians are joining the ranks of the
Self-Employed. In fact approx 16 % of the country’s workforce
consist of contractors, consultants, commissioned sales people
and small business owners.
Every self-employed individual encounters the same challenges in
obtain mortgage financing….
If you’ve managed to snag yourself a great accountant, he’s
written off as many expenses as he can to keep your income low,
thus saving you big money with the tax man. Maybe you’re making
more money now than you ever have. However, now on paper you now
don’t look quite so attractive to the bank.
As a Mortgage Broker, we have a spectrum of lenders who
understand your hard work and good credit are worth more than
that line on the bottom of your tax return.
Let us get you the financing you deserve.
INVESTMENT PROPERTIES
More and more Canadians are now looking to investment properties
to provide valuable income as they approach retirement.
Fortunately, recent changes in mortgage options mean that it is
now even easier to add a condo, single family home or even a
multi-unit building to your portfolio.
Many of these mortgage products are available only through a
licensed mortgage broker.
Let us show how to add a rental property to your investment
portfolio.
VACATION/SECOND HOMES
Dreaming of the lake and relaxing afternoons on the dock or a
cozy fire in your ski chalet?
Or perhaps you need to expand your family’s horizons with a
second property while your children attend university. Apply
today and get pre-approved for that summer house on the water.
Just like you, lenders are recognizing that recreational
properties are not only desirable, but have great investment
potential as well.
That being said, it’s even easier now to obtain mortgage
financing for vacation property.
Let us show you how to make that dream a reality.
COMMERCIAL
Commercial Funds Arranged for all types of Commercial
Properties including:
· Income Properties
· Apartment Buildings
· Industrial and Retail Plazas
· Office Buildings and Stores
· Retirement Homes
· Nursing Homes and Stores
· And more!
PRIVATE FUNDS
For those individuals who’ve been turned away from institutional
lenders, whether it’s because of a lack of income or credit,
there are options. Maybe the bank simply can’t see the forest
for the trees.
Private investors take a more common-sense approach to lending.
This approach allows them to see past some issues banks will
simply not.
Privates are a great interim solution to your financial needs.
In many instances, a short-term private mortgage can help you
get back on track and back into a mainstream lender at
discounted rates.
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