the right one just for you
A mortgage pre-approval is an important step in the home buying process. 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 on the documentation you’ll need to supply upon conditional approval of your mortgage (income confirmation, down payment confirmation, etc). 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.
When it comes to mortgages, being self-employed doesn’t always pay…mainly 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 that create 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.
first-time home buyers
Buying your first home can be a whirlwind of emotions. It’s important to have a mortgage professional who has your BEST interest in mind to guide you through the complex and seemingly confusing process. I provide my clients with the confidence of knowing they locked down the best mortgage product, interest rate, and lender tailored to their specific needs on the single biggest purchases they have ever made. I promise to provide you with first class customer service, to successfully get you into the home of your dreams.
To get pre-approved, or to know what first time home buyer programs you qualify for, click here to contact me directly. I look forward to serving you!
i'm here to help you.
let's beat the banks.
Real estate is one of the best places to invest your money for long term capital gains. The real estate market is versatile and regardless of the fluctuating market, will always pay out, or hold its value at the least. Purchasing an investment property can increase your monthly cash flow, freeing up additional funds to invest elsewhere, or reinvest into other real estate properties. Building a portfolio of assets not only builds long term wealth for yourself, it can give you the ability to leave your legacy, and set up your family’s next generation.
I am passionate about helping people reach their goals, and seeing everyone reach their potential. and I truly believe anyone can do it. When you’re ready to achieve your financial freedom through real estate investment, reach out to me directly and let me do the hard work for you.
The world is changing at a staggering rate. Things are what they used to be. The cost of living continues to rise with the ever changing world we live in. Debt is a growing concern in North America. As of 2019, almost half of Canadian household struggled to cover credit card and debt payments. High interest rates on credit cards can seriously restrict your monthly cash flow. Let me go to work for you! Strategically I will:
- Consolidate all of your debt by using your most valuable asset, the equity from your home! This is going to allow me to combine payments and turn your “Bad Debt” into “Good Debt”.
- Increase monthly cash flow that would alternatively go towards debt payments.
- Reduce the stress and anxiety of carrying debt.
I care about my clients, nothing brings me more fulfillment than giving my clients the tools they require to live their life to the fullest. You worked for it, you earned it, and you deserve to enjoy every moment of it. If you’re ready to stop paying the credit card companies, and pay yourself, click here to contact me directly. I will start working to save you money!
As a homeowner you should never accept the first rate offer from your existing lender. Without any negotiation, simply signing up for the market rate on a renewal will unnecessarily cost you a lot of money on your mortgage. Generally it is a good idea to start shopping for a new term between four and six months before your current mortgage term expires. Many lenders send out your renewal letter very close to the time that your term expires and this does NOT give you ample time to arrange for a mortgage term through a different lender. This means that you need to be tracking your own mortgage term time frame and know when to start shopping for a good mortgage renewal rate.
Your mortgage is one of your biggest expenses. Therefore, it is imperative to find the best interest rates and mortgage terms you possibly can. By shopping around at renewal time you can save substantial amounts of money over the life of your mortgage loan. Don’t be one of the 60% who just simply sign their renewal letter and send it back. Let me do the work for you and make sure you’re getting the best rate and mortgage product suited to you and your life! We will make the banks earn your business!
If you know your mortgage renewal is coming up this year, I recommend you reach out to me directly. Let me shop the market for you, find you the best rate, and mortgage products. Allow me to show you the benefits of working with a mortgage professional.
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fixing damaged credit
Life is complicated, and I understand that things don’t always go as planned. Payments can fall to the weigh side, or even missed. It’s okay, we are all humans, but there is a solution. I have the tools to help guide you through the process of fixing your damaged credit. I have access to lenders that have products and provide funding to individuals with any credit score, regardless if it is damaged, or even if claimed bankruptcy.
The thought of obtaining a mortgage, and becoming a homeowner can seem extremely daunting or even impossible. Fortunately I have the tools to find a perfect solutions for you. Give me a call to discuss your options further.
Canadians are carrying more debt than ever before. For many, borrowing money has become an increasingly necessary means of keeping up with ongoing expenses. You may be seeking a solution and luckily the solution is much simpler than you think. Using the equity you have built up and refinancing up to 80% of your home’s value will allow you to consolidate all your debt and into one payment. Free up cash flow, reduce stress, and pay off your mortgage faster!
Be sure you reach out to me directly if you’re ready to start saving money and living a debt free life.
new to canada
It’s no secret Canada is one of the best countries in the world to live. People come to build a new life and take advantage of all the opportunities this country has to offer. You should expect no different when it comes to your mortgage. As your mortgage professional I provide my clients with mortgage products for new/permanent residents (in the country for 3 years) and non permanent residents. I give my clients the opportunity to start living the life they deserve in the home of their dreams.
If you’re interested in what mortgage product suits your specific needs, click here to contact me directly. Let’s build your new life together!
Is it time to make some updates? Are you looking to do a small renovation? Or maybe a complete overhaul. No matter the project size, no need to stress! I have got you covered. Having access to cash now, will give you the freedom to turn your vision into reality. I’m here to help build the home you need for your ever changing life!