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

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Ontario Land Transfer Tax

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Ontario Land Transfer Tax

Ontario Land Transfer TaxOntario Land Transfer Tax is charged to the homebuyer and applies whenever a land or an interest in land in Ontario is purchased,

The applicant buyer pays the Ontario’s land transfer tax at the time of purchase, the term “land” includes any buildings, buildings to be constructed, and fixtures (such as light fixtures, built-in appliances, and cabinetry).

Land transfer tax is normally based on the amount paid for the land, in addition to the amount remaining on any mortgage or debt assumed as part of the arrangement to buy the land.

In some cases, land transfer tax is based on the fair market value of the land, for example, where:

  • The transfer of a lease with a remaining term that can exceed 50 years
  • The transfer of land is from a corporation to one of its shareholders, or
  • The transfer of land is to a corporation if shares of the corporation are issued.

Current Ontario Land Transfer Tax rates as of January 1, 2017

Current Ontario Land Transfertax RateFirst-time homebuyers rebate

Up to December 31, 2016, first-time homebuyers qualify for up to 2,000 land transfer tax rebate.

Ontario Land Transfer Tax rates as of January 1, 2017

Ontario Land Transfer Tax Rate

From January 1st, 2017 onwards, the new Ontario Land Transfer Tax for first-time home-buyers will be exempted on the first 368,000 of a land purchase price and first-time home-buyers will also be eligible for up to a 4,000 tax rebate on the non-exempted amount.

Also from January 1st, 2017 the new Ontario Land Transfer Tax rate increases on properties which purchase price exceeds 2 Million, the increase is to 2.5% from a 2%.

An appraisal of the properties before the purchase is most likely going to be ordered.

Your opinion is welcomed at the bottom of the page.

Contact me if you have a question or need my services as your mortgage agent

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Late for mortgage renewal

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Late for mortgage renewal

Late for mortgage renewal and looking to minimize the expense to change to a better rate?

Late for mortgage renewalIf you or someone you know ever find in this situation the alternative seems to be to “Opt for a short-term open mortgage and escape as quickly as possible”  you might want to consider or ask the following before taking a decision:

May I help you with your mortgage?

 

  • Short term open mortgage may come with all or some of the borrowing costs:
    • Appraisal
    • Lender fee
    • Broker fee
    • Cancellation penalty
    • Mortgage Insurance
  • Will your short-term mortgage payments include principal and interest or interest only
  • New mortgage terms also mean new amortization charts where the first payments are normally more interest than principal in the case of principal and interest mortgages.
  • Are you looking to free your cash flow from a short-term tight budget?

Not always lower rates mean lower cost.

To have the above factors considered in your decision, the best is to have your mortgage assessment practiced.

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Interest rates down

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Interest rates down

We have been informed of interest rates gone down and you should be informed as of which mortgage products are offering them.

Second Mortgage interest rate Gone DownEmployed people currently renting and with a rental contract coming up to renewal should be most interested.

Sometimes life gets tough to some, and considering that there are ways and times that factor each of the opportunities, there is a way to recuperate the control of your financial status and pass that bridge to a better situation. You don’t have to do it alone, nor to know it all, what you need is the will and that chance.

Not all mortgage rates have gone down, but the rates that you need might.

Rates on mortgages with purchase assist and debt consolidation purposes mainly have gone down. This means you may it is easier to qualify for your mortgage now

If you are a first-time home buyer employed and need assistance to purchase your home, have some of your needed down payment, even if your credit is not the best, you should be interested.

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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
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Review your credit

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Review your credit

Review Your CreditReviewing your credit can help you prevent identity theft, prevent fraud and safeguard the wealth that you have been working for

Have you ever wonder if there are debts under your name that you are unaware?

Have you know of anyone that have experienced an identity theft?

Have you experienced not being able to qualify for the lowest mortgage rates available because of your credit rating and/or score?

May I help you with your mortgage?

Our times are filled with advanced technology with  the intention of making our life easier and prosperous, and our days are certainly different from those of our parents especially in regards to the amount of information that flows through our many different channels, devices and file cabinets. So much and so fast-moving information that it is very easy for many of us to fail to protect our own, from those whose intentions are to obtain strangers’ information for the purpose of benefiting themselves at the cost of others.

Not with the intention to scare the reader but to help with a single advice in this matter, review your credit file. Knowing your credit file is your responsibility and you can get it free, click here to get it now and understand how credit works when you need a mortgage

Knowing your file can save you not only money but stress and protection of the wealth that what you so hard have been working for. Many unpleasant surprises can be avoided when acting.

I invite you to contribute to a more honest society by reporting fraud follow the conversation #fraudchat Canada & follow me @jmortgageca

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Be prepared for your mortgage

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Be prepared for your mortgage

Plan Ahead and SaveAnticipating for your coming mortgage renewal, refinancing or home purchase will always pay off, it’s a smart decision and an excellent financial practice. Since you are not in control of all the factors that affect your future transaction, it is most convenience to stay ahead of the curve.

Unless you prefer the stress of higher interest rates, mortgage penalties and being declined in the worse scenarios, you surely want to plan ahead every step of your coming mortgage process.

Whether you know where to start or you have no clue, that is not the issue here, because with the right guidance, all you need to know is why you want or need a mortgage. We’ll take care of the how and perhaps even the when.

Timing is important, have your mortgage assessment practiced 6 months ahead to avoid rate increases, missed opportunities, or even false expecttations

If you are a first time home buyer,  planning to renew your mortgage or to refinance existing debt and would like to know about your mortgage, prepare the following before you arrange your mortgage assessment meeting.

  • Personal picture ID’s including your SIN
  • Employment history
  • Information about your income and most recent supporting documents
    • If not all your income can be supported, detail what you can and the type of income you earn (Waitress tips, construction workers, etc)
  • Details about your financial commitments or debts
  • Details about your savings
  • Your home rental or living history
  • Current mortgage statement (for renewals and refinancing)
  • Have your questions ready

There are always more chances you help you when you plan ahead of time

Practice your mortgage assessment, then just follow your strategy, say NO to procrastination and achieve your goal. Where there is a will, there is a way!

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Financial character

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Character

Financial character

Financial character is the mental and moral group of qualities presented by an individual in regards to his/her behaviors when it comes to his/her financial agreements.

Your credit score may not be good enough to qualify for a mortgage!
Your high income may not be sufficient to qualify for a mortgage!

Have you suffer disappointments or being declined for a mortgage even when your credit score is higher than others?

Do yo have a high income, yet have being declined for a mortgage or are currently paying high interest rates?

Learning how financial character affects your ability to qualify or to obtain better mortgage rates means a great deal of money in your pockets.

Understanding that money is not everything should very important to you as it is to the financial institutions or lenders that you will seek a loan from.

Your credit score may not be good enough to qualify for a mortgage!

It is in the way your earn money and the way you use it that you create behaviors and may tell of what you give priority when you spend, how respectful and committed you can be to a promise made when requesting a loan, and what capacity you have to continue repaying a long term debt that you are asking for.

To some people making money is very easy at a time, but spending more than what they make maybe easier, to them going into credit card’s debt may be not important because they can pay the money back (at first) but without a conscience, of repaying with respect to the institution that lent them the money and the integrity to recognize that the lending and repaying transactions are a mutual commitment, the behavior patterns of those people most likely will lead to a higher un-affordable debt.

Some people pay on time and what is agreed their mortgages, but fail to do the same with their telephone or utility bills or car loan or others, this deteriorates the character of the borrower.

Paying responsibly, with consistency, on time and agreed amount (that is not yours, yo borrowed it) with consistency to all who you have celebrated a financial agreement with, will help you build a pattern of good character, one that respects financial institutions and that is always observed by the lenders when requesting a mortgage loan.

Your high income may not be sufficient to qualify for a mortgage!

Some people may have a high income, yet they may have previous commitments to car and student loans, credit cards, other monthly commitments and may not see in time that their debt ratios are getting out of hand as what they make or more is already committed.

The above example is common and may be as a result of poor management of their income.

Some people may be earning enough money to afford mortgage payments but may not be able to document all their income, this represents a higher risk for the lender. Different lenders have different appetite for risk and therefore some people may be able to support their income in different ways and qualify for a mortgage loan, but the borrower needs to understand that a higher risk means a higher interest rate in their mortgage loan.

There are also people earning good money but not capable to save for the down payment on their own, and have no assets, so where does the money go?

May I help you with your mortgage?

All this examples and a thousand more that you may be familiar with, are considered as factors that build a financial character in a person by his/her own, and are always considered by the lenders when underwriting before they decide to approve or decline a mortgage loan.

Keeping a good financial character helps you project a good image of your self when it comes to requesting a mortgage loan, it shows your respect to your agreements, to, other people, to institutions and mainly to your own commitments

With a good financial character, you could picture yourself as the client all lenders want to have in their portfolio, it gives everyone a peace of mind, you would be a promise of a long lasting relationship, it is good business for everyone, and it means to you a great deal of savings.

Get the strategy you need to achieve your financial goal of investing on real estate, take the next step, get your mortgage assessment for free

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Effects of Recession

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RecessionEconomists officially define a recession as two consecutive quarters of negative growth in gross domestic product (GDP). This is a significant decline in economic activity spread across the entire country.

A short analysis of how recession might affect our families and the positive perspective at the end of all

But, how does affect you as a home owner with a mortgage?

There are a number of different scenarios and a solution to a single scenario should not be considered as a solution to all.

The impact of an economy in recession, besides the slowdown of the industrial production and manufacturing, might be a greater number of job losses affecting first the low levels of a work force, like in retail positions, service industry as the consumer spending slows down, due the decline in real income.

So a small business sees less dynamism in sales ,products may stay longer in shelves as demand of the products slows down as well, obtaining a line of credit now should be considered to improve cash flow

Large companies may stop hiring or even reduce workforce or reduce benefits and other alternatives seeking to cut costs.

May I offer you a one on one advise?

In regards to credits, as income from sales or salaries decreases, repayments to debts may suffer the same effect, damaging credits and leading to reduction of possibilities to obtain new credits or even to keep existing ones, seriously affecting the cash flow in a family or business.

Borrowers with current mortgages with fixed rates, may be more at peace than those with a variable rate if the devaluation of the currency persist, as the bank of Canada may be dragged to increase the prime lending rate and mortgages with variable rates may become un-affordable suggesting an early refinancing early rather than late may be the best to do.

For those who are currently renting and planning to finally purchase their home in the near future, and their source of income is not at risk of being lost, the best advise might be to accelerate their plan as much as possible (see mortgage assessment) and secure a mortgage with a low fixed mortgage rate and take advantage of the first time home buyers credits offered by the government.

The good part of the story is that history shows that those who were prepared to stand during recessions, may become stronger once the economy rebounds, and it will, there is no question about it. They be stronger as some competitors may fade or even be out of business because they were not prepared.

Recessions don’t last forever be prepared!

Contact your mortgage agent

A refinance story

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A refinance story

Hawaii calm beach

Hawaii calm beach

After a period of some stressful time in their life, this including hard work, a change of workplace, some family illnesses and some accumulation in the credit card usage , a client called me asking for some financial advise. Their goal was to recuperate their financial stability, to stop accumulating debt with high interest rates that were consuming a great deal of their fixed income and mainly to get a piece of mind to continue.

We had a chat a coffee shop and before my medium size of black coffee was finished we were filling up their online mortgage application, I simply learned what they wanted and their particulars, the rest was just a matter of simple paper work that we both worked together on.

Can I help you refinancing?

After a few days they were able to reduce considerably their high cost of borrowing and by the first month they were able to feel the financial difference, that was in the very short time, on top of that a projection of their future debt accumulation showed them a great difference in the overall reduction of their debt. Freeing cash using the equity in their home without losing nor risking any future home resale value was the triggering tool that gave them a piece of mind.

After the second month they were able to travel to Hawaii to realize a long due trip they had promised to each other to enjoy.

Today their mortgage payments are low and their debt is on the decline

As a token of thank you they shared the following pictures taken from their hotel room balcony, a time they enjoyed and will remember in their lifetime.

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Canadians’ household debt

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High Canadian debtSimply put in regards to Canadians household debt; In average we currently owe 162.6 per cent of every disposable dollar, that means from every dollar after available after taxes and mandatory charges. This has been attribute in part to record low interest rates that may have been seeing as an invitation to get into debt by many Canadians, all with the hopes that our so far stable and inclined to growth stable economy will allow us to re-pay our not so expensive debt in the near future.

But how are the record low mortgage rates being appreciated by those who are still renting? Are more families becoming home owners as a result of this attractive rates?

Have questions?

A perhaps right or perhaps wrong (you can comment bellow) answer to the first question could be that most of renters have not yet have enough time to seize the opportunity as the debts have make their mark in their credit score limiting their ability to qualify as that of saving enough for the down payment for a home that keeps a steady rise in price.

Having said the above, the answer to the second questions is: More yes, but very few and not enough to move the economy at a faster pace. But getting more renters to become home buyers does not change on mortgage rates factor alone, a factor that is very important to consider is the proper knowledge that the renter has of the many options at his/her reach to capitalize the opportunity and finally become a home owner.

ContactMany are still hesitant to make the decision to place a call ad have his mortgage assessment done even when this is at no cost, so that they could know where they really financially stand and what are the range of opportunities for them to seize and finally turn into a home owner before the rates start climbing as a result of a recuperating economy south of the border that might attract our current investors in Canada’s lending industry leaving us with a more expensive cost of borrowing some time this year or next.

A simple yet resolute advice to renters is have your mortgage assessment done now free of charge and make a move into buying a house or not, after knowing that result and hearing the given advise

 

 

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Low cost home ownership

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Low cost ownershipLow-cost home ownership are financial assistance programs offered by the government to assist lower income families with the purchase of a residential property to live in it.

There are currently a number of programs with different alternatives and yet we experience an all time high home prices in Toronto. Programs like Home in Peel region affordable ownership and the Region of Waterloo affordable home ownership, and the idea of creation of other programs should be supported with more funding by all levels of government.

If you think that we are living on a time that demands more programs to assist home ownership, estate your opinion in the poll below.

As mortgage agent serving the greater Toronto area and beyond, I receive information of many mortgage rates updates from the numerous lenders, whether they are banks, financial institutions, credit unions and private lenders with the purpose promoting them among my clients, some products offer temporary advantages to the borrower or specific timing on a deal, the mortgage products from lenders are not the same.

By the way, offering a variety of mortgage products is a starting advantage that help my clients decide in dealing with me rather than their bank, they prefer options that deliver more savings, it makes them feel comfortable

The Bank of Canada recently lowered the key overnight rate, that lead to a reduction on mortgage rates from many of our lenders, besides the rates we also see unique government incentives for first-time home buyers, and even the opportunities of tax sheltering and tax returns with the rrsp’s home buyers plan that helps buyers save for their down payment, all this helps a great deal to practice a good mortgage assessment that will certainly lead to the approval of a mortgage loan and a low-cost ownership, what do you think?

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If you are interested in finding out if you qualify for a mortgage this year so that you can purchase your home, do not hesitate in contacting me now

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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.

Call or text 416-262-7139
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Reverse Mortgage

Reverse MortgageAbout reverse mortgage

Reverse mortgage has experienced an extraordinary 26% increase demand compared to last year.

Reverse mortgage is a financial instrument that allows seniors to access at very convenient terms the equity in their home

The funds are available to the homeowner in a very short time after the application, and all the process can be done from the comfort of their home.

The purpose of the funds is up to the homeowner but, here below we enlist some common reasons.

91% of Canadian Boomers do not want to sell their home

  •         A study by CBC found that 91% of Canadian Boomers do not want to sell their home.
  •         As home values continue to rise in Canada, many senior women have tapped into the equity in their home.
  •         Low-income seniors that do not qualify for a traditional mortgage or secured line of credit often are placed into private loans with higher interest rates, high closing costs and annual renewal fees.

How can you help yourself?

If you know a senior that fits into the low income category, have a conversation with me about HomEquity Bank’s Line of Credit – with option to make payments, or simply defer payments

Is reverse mortgage good?

The Reverse mortgage is simply fantastic, for a number of reasons, but most of all, because it provides easy and secured the access to funds through the equity that is already owned

How is the mortgage loan repaid?

The mortgage rates have always been lower than the rate of the equity increase and homeowners do not have to make periodic payments to the mortgage. The loan and interests will be repaid when the house is sold or inherited to other owners.

It is simple and very affordable. *Free personal consultations* are available, no pressure to commit, just detailed information is provided at the meeting to show you the reverse mortgage fees and qualifications. Get your reverse mortgage application now.

What are homeowners with reverse mortgage using their funds for?

  • Enjoy some traveling
  • Need to improve your health
  • Make some home improvements
  • Help your family financially
  • Increase your cash flow
  • Investing

If you are 55+ Home Equity Income Advantage can help you get the piece of mind you are looking for to continue with your life and plans without worries of un-eligibility.

Here are the highlights of the Home Equity Income Advantage:

  • Exclusively for homeowners 55 and older
  • There are no credit or income qualifications
  • You can access up to 50% of the value of your home
  • You receive the money tax-free
  • You can take the money as monthly cash flow and as a series of lump sums
  • No payments are required while you or your spouse live in your home
  • You maintain ownership and control of your home
  • You keep all the equity remaining in your home
  • Your estate is well protected
  • You can save on taxes

Home Equity Bank

We offer the Home Equity Income Advantage in partnership with Home Equity Bank.

HomEquity Bank is a schedule I Canadian Bank and is the only national provider of reverse mortgages to homeowners aged 55 and over

HomEquity Bank’s product line is now officially endorsed and recommended by CARP as a trusted financial solution!

How much can you borrow on a reverse mortgage loan?

Click here to try a free pre-approval reverse mortgage calculation and find out how much funds you ca access from your own equity

Free reverse mortgage calculation

Call or text 416-262-7139
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Home sale prices in Ontario

Home sale prices in Ontario

Is it really worth it to buy a house? That is a question that some renters that I have come across with have or had, like John and Sue (not real names) from Toronto, who were renting because they never thought that they could buy a house considering their financial situation. After our first meeting at that corner coffee shop (it was very crowded by the way), they felt comfortable enough to take the next step

The next step was, to decide whether to start their mortgage assessment or not, they decided to go ahead as they had nothing to lose and now they own a condo on a 15th floor that is more comfortable than the apartment they were renting and in a safer area; their mortgage payments are currently lower than what they were paying as rent.

The following chart from CHMC, illustrates in a simple way the average home sale prices in Ontario, includes a forecast for the years 2013 & 2014.

What you as a borrower can take from this is that, those who in the past years, were able to invest in a real estate and capable of keeping their investment, have now benefited by the growth of their equity, even through the slow economy that we lived in the past few years.

In the graph, as we observe a steady increase in home sale prices, we should also consider the savings resulting from low mortgage rates (not expressed in the chart below).

The growth of wealth in equity offered by the residential real estate industry, should be considered as a clear message, and an invitation to those who are currently renting, to invest securely and buy their homes now, rather than later.

Situations that prevent renters from buying a home like, low credit, no initial down payment, low income and others can be overcomed with a clear and solid strategy and here is where I can help you.

Home Sale Prices in Ontario

Source CHMC

 Contact me now for more information

 Contact your mortgage agent

Household credit growth in Canada

Household credit growth in Canada

The information on the following graph helps us observe that from the past 7 year approximately borrowers are paying more importance to their secure mortgage credit rather than easy to obtain commercial credit like credit cards; Thanks in part to the federal government regulations and on to the slow economic activity that has affected many industries and borrowers in all economic sectors

Borrowers have learned to use the strategies offered by mortgage agents all around Canada; mortgage strategies like mortgage refinances, debt consolidationlines of credit and first mortgages, wisely negotiated by mortgage agents at the lowest mortgage rates.

Your personal observation on the matter in important to gain a broad perspective on how mortgage loans may be affecting you; Write a line at the bottom o this post!

Household credit in Canada

Decreasing bond value pushes to higher mortgage rates

Decreasing bond value pushes to higher mortgage rates

Financially speaking, a bond is a debt instrument that based on a current rate pays interests with certain periodicity and investors attracted to profit from those bonds may see their principal invested upon maturity of the bond.
Since the mortgage rates having remarkably low due to a slow pace economy, the profit of the bonds do not seem to be as attractive as before, therefore the price of the bonds for future debts seems to be lowering.
To make the price of the bonds more attractive, there is a need in the market for an increase on the mortgage rates to avoid investors looking for different industries or markets where to invest in search for a higher return.
In short: Mortgage rates may see an increase in the current year.
Advice: Lock your mortgage rates now or soon, however do not fall into the innocent category where you only pay attention to the rate, as a mortgage may be more convenient when including other terms like being portable or assumable.
If you need to switch from your current lender, that may not be a problem as some of our lenders offer free switch and transfers helping to pay the penalties originated by the early switch or transfers in order to save the costs to the borrower and win their business
Feel free to contact me for more information
Contact your mortgage agent

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.

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Mortgage renewal 5 years vs 10

Mortgage renewal 5 years vs 10

Here is one great advantage of renewing your mortgage loan with us, rather than banks.

Mortgage Renewal 5 vs 10Scenario renewing your mortgage with a bank for 5 years:
Mortgage amount = 300,000
mortgage rate @ 5 yrs 3.00%
Balance at maturity = 248,685
Repeat the mortgage renewal with the same factors 5 years after
New Mortgage amount = 248,685
mortgage rate @ 5 yrs 3.00%
Balance at maturity = 206,147

Scenario renewing your mortgage with a us for 10 years:
Mortgage amount = 300,000
mortgage rate @ 10 yrs 3.79%
Balance at maturity = 193,176

Savings over 10 years = 12,971

Note: Other factors should be considered before deciding the term of the mortgage

A carefully made assessment and professional advise can save you lots of money

Mortgage Renewal

 

Mortgage renewal is when your lender and you agree to extend the life of the current mortgage loan, revised terms is most likely to happen.

Before your next mortgage renewal, it would be smart to take the time to review your current situation as of your current and future stability, your lifestyle, changes that are occurring in your household and that may effect your financial situation in the near future, get a professional advise from me.
Contact me now for more information

Lowest mortgage rate for 10 years quick close

Gallery

 Lowest mortgage rate for 10 years quick close high ratio The following are our current mortgage rates Mortgage rates Variable mortgage rates 3 yrs variable 2.65% 5 yrs variable 2.85% Open HELOC 3.50% Fixed Mortgage rates 6 Months 3.95& 1 Year 2.65% … Continue reading