What do I do?

Pre-Approvals.

Are you trying to figure out what you can be approved for? Do you want to go home shopping? Are you interested in which mortgage product may be the best fit for you? Then a pre-approval is the perfect tool for you! Complete an application and within 24 hours of providing the required documents have a completed pre-approval in hand which allows you to know your home shopping budget and get started! Scroll down and click “apply now” to get started today!

Home Purchases.

You would never go grocery shopping or shop for a car if you did not know your budget, so why would you shop for a home? Complete an application today and let me help determine your appropriate home shopping budget! When you work with a bank you are subject to their individual mortgage product but when you work with a mortgage broker, you have access to all the different mortgage products which allows you to determine which one is best for you! I work with individuals looking to buy a new owner-occupied residence, rental or investment properties, second homes and vacation homes!

Refinancing.

Are you looking to access existing equity in your home? You can use this equity for a multitude of things including consolidating debts, buy a vacation or investment property, do some renovations or updating to your current home, or even go on that dream vacation you keep talking about! The possibilities are endless!

Renewals / Switches.

If you are within six months of your mortgage renewal, or if your current lender has sent you a renewal offer in the mail, do not just sign blindly on the dotted line! Contact me directly to get a second opinion as there may be room to negotiate or even get you a completely new lender or rate product. This may end up saving you thousands of dollars in the long run! My biggest goal is to save you money and I will always be honest with you if I believe you are getting the best offer or if there is a better option for you to consider!

Alternative + Private Mortgages.

Sometimes you need to think outside of the box and being able to take advantage of an alternative or private lender is the solution you never knew you needed! With more relaxed lending guidelines and the ability to look past credit blemishes or employment issues, this may be the perfect solution for you to consider. A small disclaimer - there is normally a 1-2% lender fee when looking at alternative and private lending.

Reverse Mortgages (CHIP).

A reverse mortgage is a loan secured against the value of your home - while you continue to own and enjoy living in it! Unlike traditional mortgages, you will not need to make any principal or interest payments until you and your spouse leave the home. A reverse mortgage allows you to access up to 55% of the equity in your home, tax-free. The funds from a reverse mortgage can be paid out in a lump sum or monthly payments, depending what you are trying to do with them. This can be a great option to help add additional funds to your monthly budget, pay off debt or gift to family!