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Corgi Vlog

i am cute corgi who likes to play. my favorite toys are slippers and towels. cute corgi

05/07/2023

Mortgage holders have seen their payments and rates aggressively spike over the past 15 months, which has caused a sense of uncertainty. Working with a Mortgage Broker like myself gives you access to advise, products, and rates you can’t get from your bank.

Whether you need to reset, restructure, or re-strategize, I am armed with solutions.

27/06/2023

If you are shopping for a mortgage, it is essential to know what you need to qualify, but it is also important to understand what could be holding you back from qualifying for a mortgage. Below are 5 points that could be impacting your chances of being approved for a mortgage:

📌 Carrying too much debt
📌 Poor credit history or not enough credit history
📌 Not enough income or assets
📌 Not enough of a down payment
📌 Unstable employment history

If you feel any of the above points could be holding you back from getting approved for a mortgage, reach out. I am armed with solutions for every situation.

20/06/2023

If your mortgage is coming up for renewal this year, reach out and let’s start the conversation.

We are in a high-interest rate environment, and many customers feel stuck with their current lender at renewal. Whether it’s transferring to a different lender for a better rate, exploring new mortgage products that let you access your equity to help with payments, or opting for a shorter term, I am armed with solutions.

13/06/2023

If you have been thinking about investing in a rental property, now is a great time. According to http://rentals.ca , the average rent price in Canada rose 9.6% Year over Year, bringing the total increase to 20% from the pandemic low in April of 2021. With the high-interest rate and low inventory environment we are in, this is a trend that will most likely continue.

Reach out to learn how you can use your equity to build wealth.

30/05/2023

Every homeowner was once a first-time home buyer and Canada offers many programs to help first-time home buyers. Ranging from incentive programs to rebates and tax credits, even down payment assistance.

Send me a message, and we will review all the available programs.

24/05/2023

A rate hold will allow you to secure your interest rate so you can take your time house shopping. In the event rates rise, you will be able to take advantage of the rates available today. If rates drop, you can still secure the lowest rate available for you when you are ready to buy.

If you are considering buying over the next few months, now is the time to secure your rate.

17/05/2023

According to the 2022 CMHC Mortgage Consumer Survey, 1 in 3 buyers financed their home with a gifted down payment. When the down payment is gifted, the purchaser needs to provide the lender with the below information:

📌 Relationship to the individual giving the money
📌 The amount of money being gifted
📌 The property the money is gifted for
📌 A statement specifying the money is a gift and does not need to be repaid
📌 Contact information of the person giving the money
📌 The source the funds are coming from

Specific requirements may vary depending on the lender. Reach out for more information.

10/05/2023

A good credit score in Canada can make life easier – especially when you’re looking to purchase a home. To help make sure you get a great mortgage rate, here are the top three tips to help improve your credit score quickly.

Tip 1: Pay your bills on time every time

Tip 2: Watch and understand your credit utilization ratio. It is recommended not to use more than 30% of the credit available to you. This includes all your credit cards and lines of credit.

Tip 3: Diversify your credit mix (credit cards, loans, mortgages)

02/05/2023

Of the Canadians who bought homes in 2022, 62% reported needing outside help, like family, to make their down payment and say they would not have been able to afford their home without it.

When the down payment is gifted, the purchaser needs to provide the lender with the below information:

📌 Relationship to the individual giving the money
📌 The amount of money being gifted
📌 The property the money is gifted for
📌 A statement specifying the money is a gift and does not need to be repaid
📌 Contact information of the person giving the money
📌 The source the funds are coming from

Specific requirements may vary depending on the lender. Reach out for more information.

21/03/2023

Bridge financing is a temporary option designed to help homeowners “bridge” the gap between selling their existing home and purchasing their new home.

It lets you use the equity in your current home for the down payment on your next home while you wait for your home to sell.

If you are interested in learning more or require bridge financing, send me a message; I’m here to help!

14/03/2023

Second mortgages are usually taken out to help with short-term cash requirements, pay off higher-interest debts or for investment opportunities. Depending on your qualifications, a second mortgage will allow you to access 80% - 95% of your home equity. One of the attractive things about second mortgages is the payment. In most cases, you are able to pay interest only or interest plus the amount of principal you select.

For more information about second mortgages, send me a message.

06/03/2023

The best advice is always to buy when you are financially ready. But do reach out so I can help you fine-tune your finances so you are homeownership and mortgage ready.

If you are ready to buy, I can arrange a pre-approval, so you’re protected from rate increases for up to 120 days while you shop around. A pre-approval also lets you confidently shop in your price range and ensures you can move fast on your dream home when the time is right.

Whether you are thinking of buying now or later, get in touch so I can help you get where you want to go.

27/02/2023

If you are shopping for a mortgage, it is essential to know what you need to be able to qualify, but it is also important to understand what could be holding you back from qualifying for a mortgage. Below are 5 points that could be impacting your chances of being approved for a mortgage:

1. Carrying too much debt
2. Poor credit history or not enough credit history
3. Not enough income or assets
4. Not enough of a down payment
5. Unstable employment history

If you feel any of the above points could be holding you back from getting approved for a mortgage, send me a message. I am armed with solutions for every situation.

21/02/2023

If you are planning a home renovation, reach out to discuss your financing options. Borrowing through your mortgage can be one of the most cost-effective ways to fund renovations.

15/02/2023

Refinancing means getting out of your current mortgage and replacing it with a new one. Take a look at three common reasons people refinance their mortgage. 🏠

If you have any questions or would like to review your options, I’m here to help.

09/02/2023

At renewal, you can renegotiate everything about your mortgage – with no penalties – which means this is an important moment of opportunity. You may also want to discuss refinancing your mortgage to pay off debt, complete renovations, or pay for a significant expense ahead.

Reach out to explore your options.

30/01/2023

3 Reasons you should use a mortgage broker vs. going to your bank:

1. Better Rates – Because lenders compete for our business, we get discounted rates based on volume and pass these savings directly on to you.

2. Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in-house. With me, you get access to dozens of lenders.

3. Our services are free – the lender compensates us.

If you have questions about your mortgage or home financing options, reach out, I'm here to help.

24/01/2023

If you are ready to jump into 🏠 homeownership, reach out! I will discuss the mortgage process with you ➕ inform you about various programs that are available to first-time buyers in Canada. Such as...

👉The Home Buyers’ Plan
👉The First-Time Home Buyer Incentive
👉Other products only offered through the Mortgage Broker channel.

Reach out today to learn more! 📣

17/01/2023

Here are 3 tips to help first-time buyers navigate the landscape.

1. Get pre-approved before you start looking at homes.

2. Talk to me to avoid surprises. Surprises can range from fees around closing costs to rebates for first-time buyers. Whether it’s money in or out, you need to know about it.

3. Work with a realtor. This is the biggest purchase of your life; let the pros help you navigate it.

10/01/2023

Three reasons you should get a mortgage pre-approval:
1. You will know the maximum amount you can spend on a house
2. It can secure your rate for up to 120 days while you shop for a house
3. It lets the seller know you can secure financing, giving you an edge when making an offer.

Reach out today for a free, no-obligation, Mortgage Pre-Approval.

05/01/2023

If your home will be owner-occupied, you need 5% down for the first $500,000 of the purchase price, and 10% for any amount over $500,000 up to $999,999. If the purchase price is $1,000,000 or more, the minimum down payment is 20%.

According to CMHC’s Mortgage Consumer Survey, most homebuyers are accessing their savings or equity from a previous home for their down payment. Followed by RRSP savings and gifts from family members.

If you have any questions about the down payment options available to you and how to use them, send me a message!

28/12/2022

This year has been one for the books regarding your mortgage. You might have questions about whether your current mortgage is right for you. Maybe your situation has changed, or your mortgage is coming up for renewal in 2023.

Reach out today and schedule your free Mortgage Check-up.

19/12/2022

Household debt levels have reached record highs in Canada. If you are a homeowner and carrying high-interest debt, it may make sense to refinance your mortgage and potentially free up more cash each month.

Reach out to discuss your options.

14/12/2022

Refinancing your mortgage or obtaining a HELOC (home equity line of credit) is a great way to fund a home renovation.

You get access to the cash you need at a low borrowing cost. Reach out today to see the options available to you.

06/12/2022

If you are thinking about buying a home, the good news is that buyers now need less income to qualify for the average home. The Bank of Canada has suggested that rate hikes are nearing the end, combined with the softening of home prices, has improved affordability across the country.

Reach out to learn about your purchasing power.

29/11/2022

Rent prices are up on average 12% compared to last year and, in many cities, even higher. Rent prices have now surpassed pre-pandemic levels. With the softening of house prices this year, affordability is back in line. Send me a message if you are renting and have been thinking about homeownership. Together, we will review your options and see if buying a home in today's market is right for you.

24/11/2022

The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. By obtaining the Incentive, the borrower may not have to save as much of a down payment to be able to afford the payments associated with the mortgage. The effect of the larger down payment is a smaller mortgage and, ultimately, lower monthly costs.

Send me a message to learn more and find out if this program is right for you.

22/11/2022

To best meet your needs, I have a wide array of products to choose from – banks, private sources, independent lenders, etc.

Whether you are looking to explore your options or get a second opinion, the lending options I have available could save you thousands!

Address

300 Manning Road NE
Binangonan
T2E8K4

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