I will be there from start to finish to ensure that This process goes as smooth as it can.
With 7+ years in the real estate industry and a full service mortgage brokerage behind me, you can rest assured that I am dedicated to find the right mortgage product for you and your family.
I will be there from start to finish to ensure that This process goes as smooth as it can.
We (mortgage brokers & agents) have all faced this question: and it’s an important one to ask to ensure you are getting an informed answer.
Mortgage specialists at your bank are tied to that specific institution. So, if you don’t fit their very distinct criteria, they have no choice but to turn you down.
So why don’t you just shop around yourself? Simple, because that only makes things worse for you. Each time to approach a bank, they have to pull your credit report; there’s no way around it. The more inquiries done on your credit report, the lower your score goes. When you apply through me, we only need to pull your credit once and it is at no cost to you!
By working with me, we will have access to over 60 lenders that are eager for your business!
We (mortgage brokers & agents) have all faced this question: and it’s an important one to ask to ensure you are getting an informed answer.
Mortgage specialists at your bank are tied to that specific institution. So, if you don’t fit their very distinct criteria, they have no choice but to turn you down.
So why don’t you just shop around yourself? Simple, because that only makes things worse for you. Each time to approach a bank, they have to pull your credit report; there’s no way around it. The more inquiries done on your credit report, the lower your score goes. When you apply through me, we only need to pull your credit once and it is at no cost to you!
By working with me, we will have access to over 60 lenders that are eager for your business!
Whether you’re a seasoned home-owner or a first-time home buyer, I ensure that your mortgage transaction is completed with full transparency and expertise.
Mortgage Refinancing
are you tired of multiple monthly payments? Let’s explore your refinancing options where we can reduce the stress along with the interest that you’re paying. We can consolidate everyday consumer debt, car payments, unsecured loans, etc, all into your monthly mortgage payment.
Mortgage Renewals
has your current bank/lender recently approached you to renew your mortgage with them? It may sound tempting to just sign on the dotted line and stay the course, but there’s a good chance we could save you thousands/year!
Purchases
getting pre-qualified before house hunting saves time, hassle, and is at no cost to you! We can pre-qualify you for a mortgage so that you can strategically shop for a home with confidence.
Investment Property/Second home
it’s always the right time to start exploring your long-term investment options. I have access to lenders that offer extended loan periods and competitive rates for multiple properties!
Self-employed
Qualifying for a mortgage as a self-employed applicant is more complex than someone with a salaried, full-time position. There are circumstances where you may claim less on your NOA and we can work with lenders who offer programs and mortgage products that cater to these situations.
New To Canada
We can expect to welcome 398,100 immigrants by 2021. With this influx of growth, we want to make sure new comers are equipped to make the best housing decisions and take advantage of all the opportunities that Canada has to offer!
Bruised Credit
Bruised credit doesn’t help your situation when it comes to borrowing but it also isn’t a lost cause. It’s important we discuss your current situation so that we can explore the options you have now and also plan for the near future.
Aret oporteat inciderint te est. Sed no errem deseruisse. Conse cotidieque qui id, ceteros electram eos in.
Aret oporteat inciderint te est. Sed no errem deseruisse. Conse cotidieque qui id, ceteros electram eos in.
Aret oporteat inciderint te est. Sed no errem deseruisse. Conse cotidieque qui id, ceteros electram eos in.
Aret oporteat inciderint te est. Sed no errem deseruisse. Conse cotidieque qui id, ceteros electram eos in.
Aret oporteat inciderint te est. Sed no errem deseruisse. Conse cotidieque qui id, ceteros electram eos in.
Aret oporteat inciderint te est. Sed no errem deseruisse. Conse cotidieque qui id, ceteros electram eos in.
Here are answers to some common questions. Please feel free to add to the list!
It’s my job to make sure this mortgage process goes as smoothly as possible and that you understand the ins and outs of your mortgage commitment so that you can make the most informed decision.
I will be taking care of the groundwork by approaching suitable lenders and negotiating the best rate & terms on your behalf. What I need from you first, though is a breakdown of your current situation, and where you would like to be ideally.
On qualified mortgages, you don’t have to worry about covering a broker fee. The lender that funds your mortgage covers my fee. In some cases, depending on the case file, a standard-rate broker fee may be charged.
Again, this question has a different answer depending on the case. What I can tell you is that certain factors have a large impact on the speed of your transaction closing. These factors are :
To have a speedy, less-hassle mortgage transaction, we must start with these basic documents:
Communication between us is key throughout this process. Let’s start by setting a time that’s convenient for both of us to get familiarised with each other.
I thrive on getting my clients the best deal. Saving costs wherever I can is second nature to me!
Marcela Marsy
