1-2-3 Mortgage application

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1-2-3 Mortgage application

1-2-3- Mortgage applicationThe simplest, quicker and most secure online mortgage application is here for you now.

Now is as 1 2 3 to apply to get the funds you need.

Simplest personalized & secure link form you will fill

Your secure personalized link takes you to a most secured application that you fill from the comfort of your home, then get the good news right there.

We care, apply now

Apply Online

B2B Bank Equity 50 program

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B2B Bank Equity 50 program

B2B Bank Equity 50 ProgramB2B Bank’s Equity 50 program is great for individuals that have a hard time proving income in the traditional sources. Clients can access up to 50% of their home value on a first mortgage or refinance the current mortgage.

This program has proven to be especially popular with those in pension, and other people whose income does not meet their banks requirements of affordability, self-employed people whose notice of assessment income is not enough and part-time employees.

The B2B Bank’s Equity 50 program offers very flexible ratios requirements that are derived from a low-income period suffered by the family, easing the way out when families struggle to meet their current mortgage payments with their current lender.

If you are currently in a similar position as described above, you may consider the B2B Bank’s Equity 50 program as an alternative to refinance and consolidate your debts and better your current cash flow that may help you get back on your feet sooner rather than later.

Let me help you with your mortgage!

 

Clients can be self-employed, be on fixed income (such as pensions), or simply have limited income reported to CRA

400,000 Maximum loan amount

Requirements

The client must have a domestic (Canadian) source of income

Credit score must be fair, good or excellent

Property must be a marketable property (close proximity to major urban centre)

Must be owner occupied primary residence.

Get more details now!

Contact me now

Become a mortgage lender

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Become a mortgage lender

Become a LenderA mortgage lender is who lends money securitized, and registering the loan against a real estate property with the intention of benefiting from the interest paid by the borrower. Banks, financial institutions and private lenders profit from this service and help borrowers with their financial needs and have the security on the borrower’s property.

Investing in real estate is one of the most profitable ways of investments in Canada, It’s easy, secure, profitable and you don’t need to purchase a new property to be able to profit.

What you need is cash from savings, from your own home equity or from your low-performance investment funds, even from your already saved RRSP funds….If your cash is not producing, you should become a lender, if your funds are performing under 8% you should become a lender.

You can become a lender and help yourself, help your family, a friend or someone else. They pay their mortgage and you collect the interest paid by them, is that simple.

Becoming a lender is secure, easy, quick and limited to those that apply and qualify first. Fill up the form below and request a one on one meeting for detailed information.

Home purchase assist program

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Purchase Assist program - First Swiss MortgageHome purchase Assist program from First Swiss Mortgage Corporation

First Swiss Mortgage will lend a second up to 95% LTV, that client can use to reduce the first mortgage amount below CMHC margin. Which means – no CMHC premiums, and less down-payment form client’s own sources

Not everyone can afford 20% down-payment, especially at the current property price level. That’s exactly why First Swiss Mortgage came up with Purchase Assist – a handy second mortgage product designed to make it easier for the would-be home buyers to get a dream home they always wanted.

Learn more about First Swiss Mortgage

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Mortgage for single parents

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Mortgage for single parents

Child Support incomeIn Ontario, as of 2011 according to Stats Canada, there were more than 604,000 lone-parent families, and in a staggering 80% of them, the female parent was living with their children!.

Now, this days is very difficult enough for a married or common-law couple to qualify for a mortgage in order to become a home owner, that difficulty is significantly greater for the single parent.

The distress of the single parents enhances their vulnerability against debt and for many their incapacity to understand that they too should be able to afford home ownership, even if they are separated from their spouse or partner

Mortgage for single parents, however, is possible when the qualifications are available, to help with the income, when applying for a mortgage, a single parent should include the following sources of income on top of the regular salary or earnings as a self-employed

Some of our mortgage lenders offer very helpful mortgage products where other proven income rather than the traditional are accepted, ask for details

May I help you with your mortgage?

Mortgage insurers support single parents in their endeavor of home ownership by allowing that their proven child support or alimony is accepted as part of their qualifying income when they meet the following criterias that need to be collected by the mortgage agent in order to present to the mortgage lender:

  • Court ordered or an executed separation agreement (lender must obtain)
  • No more than 50% should be used for qualification purposes
  • 100% may be used provided income represents <30% of gross income and borrower has demonstrated receipt – through T1 General – for a minimum of 1 year.

It is common that many single parents do not know how much is the child support that they should receive for each child, to help with an estimate, here below you can find a table with some income amounts that could help them get an idea of what they should receive as child support in Ontario

Under the Federal Child Support Guidelines, the table amount is determined by:

  • The number of children;
  • The province or territory where the paying parent lives; and
  • The paying parent’s before-tax annual income.

Annual gross income# of Children Monthly child support
$80,0002$1,172.00
$50,0001$450
$55,0001$498.00
$60,0001$546.00
$65,0001$594.00
$70,0001$639.00
$75,0001$682.00
$80,0001$724.00
Annual gross income# of Children Monthly child support
$50,0002$743.00
$55,0002$817.00
$60,0002$892.00
$65,0002$966.00
$70,0002$1,037.00
$75,0002$1,105.00

Table Look-up Disclaimer

The Child Support Table Lookup has general information only. It is not a legal document. The tables were last updated December 31, 2011. To determine how much child support is owed from May 1, 2006, to December 31, 2011, use the 2006 tables. Note that provincial or territorial guidelines may apply in some cases.

Contact me if you need more information for your mortgage.

Contact your mortgage agent

Say goodbye to your mortgage faster

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Say Good Bye To Your MortgageGetting your mortgage approved so that you can purchase or refinance your real estate property. That is one of the services that I offer.

But this service does not come alone and getting your mortgage approved is among the first steps towards the goal of building your wealth, my continue support and care to service your mortgage as your mortgage agent, will continue and my professional and sound advice will always be there for you.

May I help you with your mortgage?

 

In order to support you in the best way possible I also have the support from banks and lenders. Advice, strategies and support that I pass on to you when applicable, to help you save on interest rates.

The following are some strategies prepared by TD Bank that can help you save even more.

How to save in a mortgage

 

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
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Peel region affordable housing

Home in Peel regionThe Home in Peel Affordable Ownership Program is designed to provide low to moderate income residents who are currently renting in the Region of Peel (Brampton, Caledon or Mississauga) the opportunity to qualify for down payment loan assistance to buy a home.

The program assists eligible applicants who have a total annual gross income of $87,800 or less, per household income, to purchase a resale home in the Region of Peel that does not exceed a purchase price of $330,000.

Applicants must be 18 years of age or older and cannot already own a home, or interest in a home, inside or outside of Canada.

Approved applicants are eligible for a $20,000 down payment assistant for the purchase price of an eligible home located in the Region of Peel. This is a secured forgivable loan for down payment assistance only; applicants are responsible for all other related closing costs including, but not limited to the deposit, home inspection fee, lawyer’s fees, land transfer costs, title search, possible land and/or municipal property tax payments, and any other unanticipated costs.

Should no default occur, the down payment loan will become forgivable on the 20th-anniversary date of the purchase of the home.

This program is currently suspended.

If you are interested in this program, fill up the next form to enroll in a call back list to be notified when and if the program is reinstated.

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Mortgage

MortgageMortgage is a registered agreement in a land titles office where security interest in a specific real property is held by a lender as a security for debt repayment by the borrower, a debt pledge

Each mortgage is a claim against the property; should the property be sold or foreclosed each claim is satisfied in order

What kind of mortgage can I help you with?

MortgageSecond MortgageRefinance
Reverse mortgageHome Equity Line of CreditCommercial Mortgage

First mortgage: is the first loan registered in the title against the property

Second Mortgage: Is the loan that is registered second in time in the title against the property, is normally used to trade high credit card debts that carry high-interest rates for a low mortgage rate that eventually will reduce the cost of borrowing making it easier to eliminate that debt

A Mortgage can be conventional or high ratio
Conventional mortgage: Usually when a borrower contributes a 20+% of the value of the property
High ratio mortgage: Usually when a borrower contributes less than a 20% of the value of the property

A Mortgage can be open or closed:
Open: Allows the borrower to repay all or part of the principal at any time without penalties
Closed: Does not allow any prepayments or early repayments of the mortgage

There are different types of mortgage loans because they try to satisfy different needs according to the borrower’s lifestyles and affordability.

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Toronto Mortgage Agent

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

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

From your TMortgage Broker - Mortgage Edgeoronto mortgage agent, you have quick personalized service and get your mortgage loan approved.

Don’t worry about your credit, submit your online application and let’s get it done now!

If you already own a property, request a property value & comparable sales report when you complete your online mortgage assessment

If you have questions about what type of mortgage you need, learn about the following mortgage products

MortgageSecond MortgageRefinance
Reverse mortgageHome Equity Line of CreditCommercial Mortgage

Whether you are looking for a mortgage to purchase a home, refinance your existing mortgage and your other loans or credit cards in order to pay less interest, or if you are looking for a commercial mortgage to finance your business, you can call me to help you get that financing that you seek.

Toronto Mortgage agentLet’s get it done now

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

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First mortgage

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

Looking to buy your first home?

Save thousands on your first mortgage, 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
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