Whether you are purchasing your first home, upgrading or downsizing to a new home, conducting a renewal or a switch of your current mortgage, refinancing for renovations, clearing up credit cards and so much more - I am here to help you set goals and guide you to make the best financial decision for your largest investment! I believe that every client deserves excellent care and service when purchasing or refinancing a place to call home. Every application is unique. As a mortgage broker I have the ability to access a variety of different products that I will compare and create a mortgage that best suits your needs. In addition, I will educate you so that you are able to understand all the terms and conditions, the "fine print" of the mortgage transaction. I will answer your questions and ensure that I keep a connected relationship with you through the entire process.
I look forward to helping you achieve your homeownership goals!
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PURCHASE /
PRE-APPROVAL
First-time buyer? Upgrading or Downsizing your current home? Self-employed? Ready to explore the housing market but not quite sure what you can afford? Getting a pre-approval is a great way to start your house hunting experience. I will help you figure to the numbers so you and your real estate agent can better narrow your search, and submit an offer on a home with the peace of mind financing is available to you. This is the first step in the mortgage approval process.
RENEWALS / SWITCH
If your mortgage renewal is fast approaching, then now is a great time to look at the many excellent options and competitive rates available.
Lenders send out renewal forms just prior to renewal dates to those with good payment histories, with a high percent of homeowners sending it back without asking any questions! This is where an independent mortgage consultant like myself can help offer advice and options to help you get ahead, there is room for negotiation or finding a new lender that better suits you.
Lock into a term with a higher interest rate, would you like to take advantage of the lower rates that could be available to you? Let's have a look at your options!
It may be worth looking into a term payout, making easier payments and save you funds in the long run.
REFINANCE
Refinancing your current Mortgage can be a great way to get those home renovations done, use it to pay off high-interest credit debt that has caused
your cash flow to slow to a trickle. Thinking about purchasing a second property? Worried about penalties? Don't think it can make a difference?
Reconsider taking look at options.
Using your home equity to consolidate your debt, you can improve monthly cash flow, have one easy payment, and be credit payment and
mortgage-free quicker.
This could be your forever home.
Let me help you make it possible