Dufferin County Homeownership

Dufferin County HomeownershipThe Dufferin County Homeownership Component program is designed to provide moderate income individuals and families with an interest-free down payment assistance loan to help them in purchasing their own home.

The Dufferin County Homeownership is an affordable housing program and might provide you with an interest-free down payment assistance loan of up to five percent (5%) of the cost of an eligible home, to a maximum of $20,000.00.

 To be eligible for down payment assistance you must be a renter household and meet the following criteria:

  • Combined gross household income at or below $88,000
  • Must not currently own a home or have a legal interest in a property
  • Must be buying a sole and principal residence within the County of Dufferin
  • Have assets of no more than $20,000.00
  • Must not owe any social housing arrears, including damages
  • Be a minimum 18 years of age
  • Be able to secure financing on the property

Call or text 416-262-7139
Contact meApply On Line

Home Trust Secured Visa

Home Trust secured Visa signature

Home Trust Secured Visa, improve, build, rebuild, improve your credit, get all details and apply online.

Learn how it works, apply online now, get your visa in the mail soon.

Helps you improve and control your credit

This Visa reports monthly to both Equifax and Trans-Union.

To assure accurate and timely processing of this application, please review the following:

Security Deposit: The preferred method is to send a personal cheque drawn from your Canadian Bank account; third-party cheques are not acceptable. The minimum deposit amount is $500.00 and the maximum is $10,000. Please make the cheque payable to Home Trust Company.

When providing a personal cheque as a security deposit, if you know that your credit bureau is less than 6 months old, the maximum deposit amount we can accept is $1,500.00. Additionally, please also include a copy of a utility bill (which shows your name/address) or 2 pieces of photo ID (Government issued).

We can also accept a Canadian bank draft or money order. However, with this payment method, you must also include a copy of a recent Bank statement (showing your name, the name of your Financial institution, type of account (i.e., savings, chequing) and your partial account number).

Consumer Proposal: This product is available to clients in a Consumer Proposal; letter of good standing is not required.

Bankruptcy: This product is NOT available to those who are currently bankrupt, however, applicants who have been discharged from bankruptcy can apply at any time, but must include their “Certificate of Discharge” with their completed application.

Secured Visa applications along with their respective deposits/additional documents can be mailed to 145 King Street W, Suite 2300, ATTN Visa Department, Toronto, ON M5H 1J8.

Get control on your own credit, select the Home Trust Secured Visa of your choice:

No Fee Secured Visa CardLower Interests Secured Visa Card
No Fee Home Trust Secure VisaLower Interest Home Trust Secured Visa

Region of Waterloo affordable home ownership

The Region Of WaterlooRegion of Waterloo affordable home ownership offers to allocate for families and individuals with the 5% down payment in a forgivable loan to help them purchase a home with the intention of living in it.

The residential property must be:

  • In the Region of Waterloo
  • A maximum purchase price of $243,300
  • Approved by the region of Waterloo

To be eligible to qualify for this program families and individuals must:

  • Qualify for a mortgage
  • Have a maximum household income of $73,050
  • Be at least 18 years old and currently renting
  • Not own or have an interest in a home
  • Not owe money to a Community Housing landlord
  • Be a legal resident of Canada
  • Intend to have this home as your one and only residence

This is a limited time, limited funding mortgage product.

Call or text 416-262-7139
Contact meApply On Line

 

Residential Construction Mortgages

Residential Construction Mortgage

Faster approvals and easy advances

For you who are looking to start a new project and looking for financing options, why not getting faster approvals and easy advances, simply the best lending solution.

Residential Construction Mortgages details: 

  • For builders or borrowers wanting interim financing for a new construction project, for renovating an existing structure and for land acquisition
  • Loan commitments are made at the time of approval and may not exceed 85% of budgeted costs, up to 75% of the land value and may not exceed 65% of Pro-forma appraised completion value
  • Draw advances are easy with support from our Construction Specialist and can be made up to 5 times though the project
Call or text 416-262-7139
Contact meApply On Line

★★★★★Debt Consolidation ✔

Debt Consolidation by Toronto mortgage agentUse the equity in your home to avoid paying high-interests rates while you consolidate your debt

★★★★★ Turn your high-interest rates debts into one monthly payment with low-interest rates.✔

Debt consolidation helps you substantially reduce your debt and pay it off sooner while trading your high-interest rates loans from credit cards or/and high private mortgage rates to one monthly payment with lowers interest rates

Call for an appointment, or apply online, with our products and services you lower your interest rates while allowing to make one easy payment per month.

When will you be debt free? Learn what affects your debts and estimate your current debt free time

Unsecured debts (credit cards, car loans or others) offer a higher interest rate than a mortgage, while they help in the short period to purchase the goods, they also lead to a longer period and higher cost before the loan is paid.

Debt consolidation is a new loan that can help eliminate all or some existing higher interest rates loans

Debt consolidation should be considered not only when you are getting into financial problems, you can also consider it as an opportunity for new investment and wealth consolidation.

Apply On Line to your Toronto Mortgage agent

This slideshow requires JavaScript.

Debt consolidation assessment practices are, quick, effective, easy and offer the following immediate benefits:

  • Save of thousands of dollars on interests based on the current debts
  • Cash flow relieve
  • Secured lower interest rates
  • Comfortable amortization periods
  • Credit scores improvements
  • Allow equity funds to be used towards other new investments

Using the equity in your home offers an easy, cheaper quick and comfortable way out of debt.

Use the credit card debt calculator below to estimate when will you be debt free

Months It Will Take To Be Debt Free:
Years It Will Take To Be Debt Free:
Total Amount Payed To Lender:
Total Interest Paid To Lender:
Call or text 416-262-7139
Contact meApply On Line

★★★★★Owner occupied rental ✔

Owner Occupied Rental

The owner-occupied rental mortgage offers the flexibility needed to own a property while renting a fraction of it to someone else, so you can use the rental income to help repay your mortgage.

Your mortgage partially paid by the rental from your tenants!

The owner-occupied rental mortgage is normally used by small but growing families when their own income alone may not be sufficient to qualify for the property you need.

This type of mortgage gives you the advantage to qualify for a bigger property than what you can afford with your income

Not all properties and not all rental agreements may qualify for this type of mortgage, ask me before buying the property.

The owner occupied rental is available for purchases or refinance.

Call or text 416-262-7139
Contact meApply On Line

Non owner occupied rental mortgage

Non Owner Occupied Rental

The non owner occupied rental mortgage loans help you qualify by adding the monthly rental income to your current income. As a result you are able to purchase or refinance a rented property and let the property pay for itself with the rent

Scenario: You currently have a steady job or business, a decent credit score, some savings but no time to start another business or job, and you would like to earn residual income from a real estate property.

The non-owner occupied rental mortgage is designed for those who would like to become real estate investors.

Call or text 416-262-7139
Contact meApply On Line

★★★★★ Toronto Mortgage Agent ✔

★★★★★ The Toronto mortgage agent of Mortgage Edge that can help you with your first, second mortgage or line of credit that you need, apply online and deal with many mortgage lenders

Toronto Mortgage agentWe can save you thousands of dollars on your residential mortgage, complete your online application, click on the top right banner now

With me as your TMortgage Broker - Mortgage Edge - Toronto Mortgage agentoronto mortgage agent, you’ll have quick personalized service access to the best lenders and a complete array of mortgage products to get your mortgage loan approved.

We offer alternative lending for those who need it because of income or credit issues.

We lead on efficient first & second mortgages in Toronto

Whether you are looking for a mortgage to purchase a home, refinance your existing mortgage and your other loans or credit cards, or if you are looking for a commercial mortgage to finance your business, I can help.

Toronto Mortgage agentLet’s get it done now

Request your *mortgage assessment free*, apply online and get a free one on one meeting

Call or text 416-262-7139
Contact meApply On Line

 

Home equity line of credit

Line of CreditHome equity line of credit is a mortgage loan in which the collateral is the available equity in a property, It could be a first or second mortgage

Learn how to get needed funds from the unused equity in your home with a simple online application today – “Your home equity, your funds”

What can you use your line of credit for?:

  • Consolidate debts.
  • Investments
  • Home Renovations
  • Support family in need
  • Travel en leisure

Apply for your line of credit regardless of your credit score

If it is a second mortgage, the lender doesn’t necessarily have to be the lender which facilitated the first mortgage loan.

Not all lines of credit are equal, “Your credit – Your rate”

Get your home equity line of credit before rates go up!

Ask about the new home equity line of credit just introduced by one of our major lenders to assist you with a quick approval and low rates for excellent credit or not so good credit.

Apply it online, to submit your no commitment application now click here

For a limited time, obtain your free robust Real Estate Valuation Report with your mortgage summary. Submit your online application now

A home equity line of credit can be used to finance business or consolidate commercial and credit card debts, students tuition, funeral expenses, business cash flow, vacations and more

Mortgage assessment application

Assets, debts, and property description to be completed in a separate form

Applicants that will be in the mortgage application

Applicant information

Employment and income of the applicant

If the length of the employment above is less than 3 years please complete the following previous employment information

Presenting supporting income documentation speeds up the process, response & funding time

About the mortgage being requested?

This is a secured mortgage assessment application request


 

Call or text 416-262-7139
Contact meApply On Line

New To Canada Mortgage

 

New To CanadaNew to Canada Mortgage is for people who have immigrated or relocated to Canada within 60 months, offers credit record or history flexibility, lower down payment required than a conventional mortgage.

The New to Canada  mortgage is for the new immigrants that have obtained landed status and have not already owned a house It presents the opportunity to start owning a home instead of renting.

The following are some borrower qualifications for the New to Canada Mortgage:

  • High ratio secured mortgage loans with only 5% Down payment from own resources; For LTV’s less than 95%, the remainder may be gifted from an immediate family member or from a corporate subsidy. (3 years landed immigrant)
  • Or Conventional unsecured mortgage loan with 35% Down payment or more from own resources.
  • Amortization up to 30 years in Conventional & 25 years insured mortgages
  • No 3rd party/Guarantors

  • Number of units, Max 2

  • Must provide valid work permit or verification of landed immigrant status

  • International Credit Report or 2 alternative sources of credit

  • Bank reference letter or 6 months bank statements
  • 3 months minimum full-time employment in Canada (borrowers being transferred under a corporate relocation program are exempt)
  • All debts held outside of the country must be included in the total debt servicing ratio (Rental income earned outside of Canada is to be excluded from the GDS/TDS calculation)
Call or text 416-262-7139
Contact meApply On Line

Zero down payment mortgage

Zero down payment mortgage - zero down paymentZero down payment mortgage is a Mortgage loan offered by only some lenders that offer a 5% cash back, that can be used towards the down payment.

It helps realize the dream of homeownership even before the down payment has been saved.

If you are currently renting and prefer to own your own home, but you haven’t been able to save enough for your down payment, this is your chance call now

To qualify for a Zero down payment mortgage you to have good credit (read below), a steady source of income that can show your capacity to repay the loan, (we’ll do the math together) and savings of about a 1.5% of the value of the property that you are seeking to purchase

Excellent credit is necessary for the zero down payment mortgage when available.

Click here to apply for your zero down payment mortgage or other mortgage options if necessary

Visit also low credit score mortgage 

* Subject to availability

Call or text 416-262-7139
Contact meApply On Line

★★★★★ First mortgage ✔

First MortgageFirst mortgage is the mortgage loan registered first on the real estate title.

Save thousands on your first mortgage, apply, know your options & get approved

Other mortgage loans can also be registered on the same property title, they would be called second or third mortgages

Whether you enjoy good credit or have bad credit, we can absolutely help you with mortgage approval application process

Reading the following will help you get approved when applying for your first mortgage

You are excited about buying your home and wouldn’t like disappointments if this is the case read the following:

  • Is smart to have your mortgage assessment practiced before you start viewing homes, that way you’ll know what you can or can’t afford.
  • Learn about the unique advantages you are entitled to if you are a first time home buyer
  • Learn about your credit and mortgage loans and credit score
Call or text 416-262-7139
Contact meApply On Line

 

Mortgage brokers

Mortgage EdgeMortgage Edge: a successful group of mortgage brokers in Toronto and servicing the entire province of Ontario with over 25 years of experience helping clients obtain and manage their mortgage with a unique philosophy to serve and protect the consumer

Mortgage agents and Mortgage brokers at Mortgage Edge, are committed to helping you make an informed decision when it comes to your mortgage, considering your personal financial plan and major life goals to grow your wealth, your mortgage will be one of your most important financial tools 

One of our commitments as mortgage agents and mortgage brokers is to advise you considering your personal financial plans, and life goals to grow your wealth, we work hard and smart to protect your interests

What do you need a Mortgage Broker for?

  • Do you need a mortgage advice?
  • Do you need a report on your property to see if you have equity that you can use?
  • Do you need a mortgage refinance?
  • Do you need a first or second mortgage?
  • Do you need a secured line of credit?
  • Do you need to take some equity out of your property?

MortgageSecond MortgageRefinance
Reverse mortgageHome Equity Line of CreditCommercial Mortgage

About myself as your mortgage agent, with certifications from CAAMP (Canadian Association of Accredited Mortgage Professionals), and years of experience at Mortgage Edge, committed to the consumer and lenders licensed Mortgage brokers & regulated by the Financial services commission of Ontario I am also a member of IMBA (Independent Mortgage Brokers Association), we  observe our code of ethics and a deep customer protection philosophy .

Let’s get your mortgage approved now!

Call or text 416-262-7139
Contact meApply On Line