- Mortgage pre-approval
- First time home buyers
- Mortgages for the Self Employed
- Mortgage refinancing
- Mortgage renewals
- CONSTRUCTION FINANCING
Find out how much you can afford for your home purchase.
A mortgage pre-approval is an important step in the home buying process and we can help you out. I can help with your financial strategy, your mortgage amount, down payment amount, purchase price and give you an overall idea of what you can realistically afford.
I will advise you about the documentation (income confirmation, down payment confirmation, etc.) you'll need to supply upon conditional approval of your mortgage. Any conditions must be met for your mortgage to be fully approved. Pre-approvals are subject to your continued good credit and are usually good for 60, 90 or 120 days depending on the lender.
Tired of passing your hard-earned rent over to your landlord? Maybe you've built up some savings and have a down payment for your own property. No matter what your situation is, I help simplify the buying process and worry about all the financing details so you can get down to finding just the right property as fast as possible. I am here to help you beat the banks ... give us a CALL TODAY.
Make sure you get pre-approved first and lock in your rate!
Each mortgage application is different and I will help you figure out the numbers so you can stay focused on shopping for properties within your approved price range. You and your real estate agent will know exactly how much you can comfortably afford along with the assurance of a locked-in rate - all at no cost to you.
When it comes to mortgages, it hasn't always paid to be self-employed namely because reducing your taxable income can make it difficult to qualify for the mortgage you deserve.
I work with lenders that offer excellent mortgage options for self-employed Canadians. These lenders understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.
I am here to help you beat the banks
Use the money in your home to pay off high-interest debts and be mortgage-free quicker.
Refinance up to 80% of your home's value quickly and easily to pay off high-interest credit card debt that has caused your cash flow to slow to a trickle. Worried about penalties? Don't think it can make much difference? Think again. By using your home equity to consolidate your debt, you can improve monthly cash flow, have one easy payment, and be mortgage-free quicker.
Call or email me today for full details and a FAST mortgage pre-approval!
Most homeowners stay with their existing mortgage lender because they believe it is too time-consuming to get a better mortgage rate.
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 about 70% of homeowners sending it back without asking any questions! In today’s hectic world, that can be the easiest and best route, but you should ask yourself some questions before you sign on the dotted line. This is an important moment of opportunity. This is where an independent mortgage professional like me can help offer advice and options to help you get ahead!
Maybe your mortgage needs have changed. This is the time to decide. For example, you may want to consolidate high-interest debt with your mortgage, or you may want to tap some of your home equity for a renovation project? Or maybe you reconsidering a cottage or vacation property. Are you confident you will get the best rate at renewal?
Having multiple lenders compete for your business is a great way to ensure you get the best rate for your situation. I deal with multiple lending institutions, including major banks, credit unions, trusts, and other national and regional lenders, which means significant negotiating power behind finding the best mortgage to fit your specific situation.
When you need to finance a construction project, Rick is happy to work with you and create a plan to meet your goals. Rick can provide you with options with varying interest rates and product flexibility.
Whether you’re buying your first home or seeking an investment property, Rick and his team have access to specialized financing—including no down payment mortgages and programs for clients meeting specific criteria—to give you more flexibility in your options.