Pre-Approval
This is an important first step in the home-buying process. Getting pre-approved will help you define your maximum affordable mortgage amount and set some realistic expectations for you from the start. Some real estate agents won’t even work with you until you’ve been pre-approved for a mortgage. The last thing you want to do is start house-hunting and then fall for a home you can’t afford.
A pre-approval can be quick and painless when working with a Mortgage Broker. With the necessary income verification and supporting paperwork on hand, it can be done quickly. Getting pre-approved is the first step towards homeownership.
Are You a First Time Home Buyer?
Purchasing your first home can be very overwhelming, there are so many decisions to make and so many options to consider. Let me walk you through the process from start to finish. Over the years, I have helped many first time home buyers and understand how exciting and daunting it can be. Let me take the stress out of the process and simplify it for you. I work for you and not the lender, so you can rest assured your interests are being protected. I will keep you informed as your transaction moves forward and make sure your questions are answered and everyone is on the same page.
Before you start looking for your first home, get in touch with me…
Purchasing Your Next Home
It’s important to assess your options before purchasing another home. Are you in a fixed closed mortgage term? Is there a penalty to break your term? Can you port your mortgage? What is the fine print you agreed to three or four years ago? It is important to ask these questions and get the answers before you make any decisions that could cost you thousands of dollars in penalties and fees. I can help you put together your mortgage plan for your next home and see what’s in your best interest before proceeding.
Mortgage Renewals
Renewal time is the best time to shop around and make sure you are in the best product, with the best rate and best fit for you and your family. Signing that renewal agreement without exploring your options could cost you thousands of dollars in unnecessary interest. Most lenders will cover the cost for you to move from one lender to another so meet with your Mortgage Broker and explore your options. It could save you thousands over the term.
Mortgage Refinance
Would you like to tap into the equity in your home for home improvements? Would you like to consolidate your higher interest debts into one lower monthly payment? A mortgage refinance might help ease your cash flow and lighten the load. If you’re thinking of undertaking that long planned home renovation and want to explore how you can tap into the equity in your home, get in touch today so we can put together a plan.
Construction - Builder Mortgages
If you’re thinking of building your dream home and require financing, a construction mortgage could be the solution. Sometimes referred to as a progress-draw mortgage or builder financing, this type of financing is extended to the borrower over a period of time. There are scheduled draws throughout the project so it is a convenient way to pay-as-you-go rather than for the entire amount up front. It will save you money in the long run to explore this option for your custom built home. Find out more by contacting me today.
"My boyfriend and I are first time home owners. Leslie made this transition so much easier and less stressful with her vast mortgage and financial knowledge. I always felt so informed and that she truly had our best interests in mind."
