Purchase
The purchase process for your first home is no different than your third home, it is as exciting as it is stressful. As your trusted mortgage agent, my goal is to remove the added pressure from your plate and do the job you’ve trusted me to do.
Are you a First Time Home Buyer? There are perks you may not be aware of that apply to your purchase. Looking to add a vacation property to escape to with (or without) the kids each winter? Regardless of situation, I’ll walk you through how we can each option is attainable.
Purchasing a fixer-upper? You can add expected renovation costs into your mortgage so that your savings can remain savings and you can begin your projects from the moment you gain possession.
Renewal
If mortgages grew parallel to one’s life trajectory, renewing would be much easier! The tricky part with renewing is determing what your next mortgage chapter holds. Fixation often defaults to obtaining the lowest rate, but there are so many variables at play that the lowest rate may overshadow other important life factors.
Hockey gear, dance classes, summer camps, new car purchases are all financial obligations that, hopefully, can be properly planned. Your mortgage renewal should be approached with the mindset of not what’s best today, but what is best over your next term. A sacrifice on rate for three to five years may allow you to enjoy some of the luxuries you’d otherwise miss out on.
I’ll work with you to renew at a rate and term that allows you be house and life rich.
Refinance
Statistically speaking, roughly 60% of 5 year mortgages are broken before term end. Life Happens, there is no fault to anyone when a refinance situation arises. While a penalty will be paid to the Lender for breaking the term, more often than not it will provide stability to the Borrower in the long run.
If you are thinking refinancing may be the only option, I’ll work with you to see what steps we can take prior to finalizing that decision. I’ve been there personally, and know the added pressure of paying bills knowing the well is about to run dry. Let’s keep money in your pockets and a roof over your head.
Contact us
Interested in working together? Fill out some info and we will be in touch shortly. We can’t wait to hear from you!