Being prepared means saving money Applying online is the first step  We are here to create a success story for you A pre-qualification is strongly suggested for any home purchase you are planning in the next one month to one year. Getting pre-qualified is the single most important step of the home buying journey. There is a difference between a preapproval or 60 second online approval vs a pre-qualification Being prepared and being organized before you start house hunting is imperative. Mortgage approval guidelines are standard in most situations. A mortgage pre-qualification will include a full application (online), review of credit, collecting and review of all supporting documents…

If you have purchased a home before – it is still important to get pre-qualified Getting pre-qualified is the first step  Mortgage rules change regularly The Federally regulated qualifying rate (stress test rate) may impact your request more than it did last time  We will assist you and calculating your net SALE proceeds and provide you detailed suggestions on next steps, best rates and flexible mortgage solutions.

We are first-time home buyers specialists. Walking you through every step along the way. Getting pre-qualified is the first step We can assist you in running your affordability numbers and providing you a pre-qualification. We can refer a realtor, lawyer, home insurance broker or home inspector if you require. We will provide you all the knowledge you need allowing you to make the most informed decisions. All you must worry about is opening the door to your new home for the very first time!!

Getting ahead of your mortgage renewal can save you thousands. Applying online is the first step We can move your mortgage with no cost to you finding you the best term, rate, and product available on the market at renewal time. We can start locking rates in place 120 days (4 months) prior to your renewal. We will closely monitor this rate leading into your closing date, and if a lower rate presents before renewal date, we will apply the discount.  Considering breaking your current mortgage contract to lock into lower rates? In some cases, this can save thousands in interest, and other times the penalty…

You can purchase a second home, cottage, or cabin with as little as a 5% downpayment Getting pre-qualified is the first step If the intention of the property is ‘owner occupied’ (eg; home on the coast, home near your kids or elderly parents, cottage at the lake, condo where you regularly travel for work etc) you are able to purchase another property with as little as 5% down payment.  Note: 4 season cabins (=5% down payment) 3 season cabins (=10% down payment) 

You can purchase a home for your child, mother, father, brother, or sister with as little as a 5% down payment Getting pre-qualified is the first step If the intention of the purchase is to buy a home for a family member to live in, the minimum required down payment is 5%

If you own your current home, you can refinance your mortgage up to 80% of the value of the home. The value of your home vs the current mortgage balance will determine how much equity is available. Applying online is the first step  A refinance is a wonderful tool to tap into your equity allowing you to complete home improvement projects, consolidate higher-interest debt, provide funds for another property (downpayment on another OR a property in another country), etc We will provide you with detailed breakdowns and example calculations of how we can structure your refinance request.   In some cases, if you only need…

If you are purchasing a home that needs your own personal touch or some minor upgrades the purchase plus improvements program can be very helpful For borrowers who want to make improvements to their home immediately after taking possession of the purchased property, the Purchase Plus Improvements Program allows them to do so with one manageable mortgage. Improvements can include such things as: new flooring, a bathroom or kitchen remodel, a new garage, paint etc. Improvements cannot include things such as: window coverings, new appliances or hot tubs (things that can be removed from the home)  You are required to provide quotes for all improvements you wish to…