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Pre-approval

Before you start looking find out how much you qualify for and what are the rules to show you have a down payment. Once you know how much you can afford you can start looking within your price range.


You don’t want to be looking at $700,000 homes only to find out you can afford a $500,000 home. Reduce the stress and anxiety and make your search for a home exciting and enjoyable. With a pre-approval rate you can hold it for up to 160 days and if the rates drop during that time you will get the lower rate. However getting a pre-approval does not guarantee a mortgage because lenders will consider a few more factors like:


  • Property Qualification. If the purchase price is significantly higher then the appraisal the lender may not give you the mortgage amount you were pre-approved for.
  • Condition of the home must align to purchase price.
  • Any significant changes in income during the pre-approval time period.


How I Can Help:

By working with me, I will help you navigate all the requirements to get you in a mortgage.


Next Steps:

Send me your details by email and include a call back number. Don’t like email? No problem:

Call me at (519) 774-0982

Email me at info@loanformyhome.ca


I will get back to you within two hours so we can get started

REFINANCE

I get it. Things have gotten a little out of control. You have debt and you are struggling with it. Or maybe you want to renovate that kitchen and bathroom. Maybe you need to pay off student loans or pay for your child’s schooling.



How I Can Help:

By working with me, I will help you navigate all the requirements to get you in a mortgage.


Next Steps:

Send me your details by email and include a call back number. Don’t like email? No problem:

Call me at (519) 774-0982

Email me at info@loanformyhome.ca


I will get back to you within two hours so we can get started

FIRST-TIME HOME BUYER

Some first-time home buyers may not be aware that you can use your RRSP as a down payment. There is a certain form which needs to be filled in but the key point here is that it is not a withdrawal and therefore not taxable.


How I Can Help:

I will guide you through the form needed and help submit it. I will also help with the strategy to replenish the funds over the next 15 years (government requirement). This is access funds you previously may not have thought were available.


Next Steps:

Send me your details by email and include a call back number. Don’t like email? No problem:

Call me at (519) 774-0982

Email me at info@loanformyhome.ca


I will get back to you within two hours so we can get started

PURCHASE

If you are purchasing a new home and reselling your old one you will need to know how much you will be able to afford. Let me help you do the math. If you are renewing your mortgage maybe it’s time to switch lenders and get a better rate.


How I Can Help:

In either case you will need to submit a lot of info to renew but I can make it easy by making sure the right documents are in place and I will be able to shop around for a better rate which could save you thousands in interest. I breakdown the different scenarios to show you what you are saving over the term of the mortgage. I also help my clients with various strategies to pay your mortgage off sooner. The strategy you choose will depend on your personal financial situation.


Next Steps:

Send me your details by email and include a call back number. Don’t like email? No problem:

Call me at (519) 774-0982

Email me at info@loanformyhome.ca


I will get back to you within two hours so we can get started

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