A home is usually considered as your most significant asset. As a mortgage agent with access to several top banks in Canada-Qualifying and obtaining a residential mortgage loan customized for your financial situation is a great way to invest in your future, while allowing you to live and enjoy in your home, it also helps build equity in your property.
First time Home Buyers
First time homebuyers in Canada have the opportunity to start building equity and financial stability by taking advantage of government programs and tax incentives, making home ownership an attainable and rewarding milestone in life.
Purchasing your first home is a big decision and commitment. By connecting with a licensed mortgage professional like myself who has several years of banking and industry experience- the process is simplified and tailored fit your situation to make the home buying process a little easier.
First time home buyers are guided through all the steps of the mortgage process:
- Pre-Approval -Find out how much you qualify for and down payment needed, also providing proof of income, credit information prior to the application being submitted to the lender.
- Qualify and get approved with a mortgage commitment.
- Understand your terms & conditions for the approved loan.
- Choose your lawyer.
- I will be in contact through out until closing date.
Refinances
Refinancing involves replacing your already existing mortgage on your home with a new mortgage, typically with a different loan amount, interest rate and payment terms.
Homeowners who want to utilize the equity in their home can refinance their property for a new mortgage for a variety of reasons:
- Consolidating debt such as high interest credit cards and personal loans-this could save homeowners thousands of dollars over the life of their loan.
- Home renovations- this would typically increase the value of your home.
- Changing your mortgage terms for a better interest rate and/or increasing or decreasing your loan amortization.
Investment Properties
Investing in real estate is a great option for looking to generate cash flow and increase your overall net worth over the long term. Real estate values in Canada have historically risen over time, so investing in property can be a good way to build wealth.
As an experienced licensed mortgage professional, I would work to customize mortgage solutions for your current financial situation as we have access to multiple options in the market place.
Benefits for Investment properties include:
- Potential rental income: if you purchase a property than can be rented out, you can generate rental income which can help cover mortgage payments and other expenses associated in owing a property.
- Diversifying your assets: investing in a property can diversity your portfolio, lowering your overall risk.
- Property appreciation over the long term to build equity while mortgage balance is paid down.
Langley
Surrey
Burnaby
