A smarter way to do things

Buying a home is an exciting time! You’re about to take a big step so you’ll definitely need some advice from a mortgage professional. With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your dream home. Our best advice? Begin with a conversation with a mortgage professional.
 

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The thing is, it actually will save you money.

FIRST TIME BUYERS

Buying a home is an exciting time! You’re about to take a big step so you’ll definitely need some advice from a mortgage professional. We’ll give you the facts your bank won’t tell you about financing your next purchase. With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your dream home. Our best advice? Begin with a conversation with a mortgage professional in your area.

DEBT CONSODITATION

Are you interested in debt consolidation and don’t know who to contact? Call today to find out more about debt consolidation & how to repair your bad credit mortgage through a home equity loan or second mortgage. Save your money! There is certainly a right and wrong way to consolidate debt.  We will essentially ensure that what ever you pay today (monthly cash-flow) for your mortgage and liabilities will be the same after you restructure your debt into one combined mortgage payment. If you have a mortgage renewal or plan to complete a mortgage refinance where you restructure the entire mortgage, you want to ensure you get the best mortgage rates. Debt consolation can help!

The Process
Order an appraisal to assess the value of your property
If you have good credit, apply for refinance through A lender
If you have bad credit, apply for a home equity loan or second mortgage
Use the funds to pay consolidate debt into one payment
If bad credit, refinance with an A lender once credit repair is complete
For more information, simply gives us a shout. We are here to help and our services generally come at no cost to you! If you had bad credit, we are there to help. Our team has a number of bad credit mortgage brokers who can help get you to where you need to be. Our fast and friendly service is available today!

 

REFINANCING

Refinancing is any time that you change your mortgage during the current term of the mortgage. You may change the mortgage for a lower interest rate or the amount of the mortgage. Some people will take advantage of a low mortgage interest rate and increase their mortgage to pay off debt that they have that is at a high interest level. Refinancing can make sense when you look at the over all financial picture to see if it would benefit you to make the change. When you do decide to refinance and break your current mortgage term, you will end up having to pay a mortgage penalty. The mortgage penalty will either be three months interest or Interest Rate Differential which ever one is greater on a fixed rate mortgage. If you have a variable rate mortgage you will only have to pay the 3 months interest penalty. If you have an open mortgage you will not have any penalty to pay but your interest rate will typically be higher then that of a closed variable or fixed interest rate.

When making the decision on whether to refinance it is best to talk to your mortgage broker about it and review your entire situation, current and future goals with them. Your mortgage broker can do an

RENEWAL & TRANSFER

Mortgage Renewal time? Is your mortgage term expiring? Do not sign a renewal letter without first consulting your mortgage broker! Far too many people make this mistake and pay for it dearly. It unfortunate that some lenders or banks will tell their clients that they have to pay fees if they move to another bank. If your mortgage is up for renewal it’s a great time to talk to your broker to find out your options. You will not have to pay legal fees to simply move your mortgage to another lender. The new lender will cover the cost of the doing the legal paperwork for you.

There are other benefits to an upcoming mortgage renewal. You will want to remind yourself of the different things so you can think about any changes you may want to change or discuss with your broker. There can be great money and time savings by looking at and making a few little changes to the mortgage that can have a big impact on your finances or the length of the mortgage. You never want to set up your mortgage, leave it for the entire term, and blindly renew your mortgage because you got the renewal letter in the mail. Your mortgage is a huge debt and should be managed good so you can reduce is as fast as possible.

Here are some benefits to speaking with us first before you renew your mortgage:

Better interest rates.
Perfect time for the Annual Mortgage Review process.
Consolidate debt
Restructure mortgage payments
Upgrading to a superior mortgage product
Restructuring for tax benefits
No cost to switch lenders
Restructure to pay your mortgage down faster
Lock in rates 120 days before mortgage renewal
Over 50 lenders competing for your business
Ensure your credit score is inline before application time
When your mortgage is up for renewal, please get in touch with us!