Understanding how much you can pre-approved for is key to your home-buying experience. You and I can't start the buying journey together (let's be real the fun part) if we do not know your budget we can't really start the fun part together. I love hearing from my clients "I am approved!" Let's get gong on the process so we can celebrate together! #mortgage#mortgagelife #mortgagerates #mortgagetips #mortgagedetails #mortgagepayments #mortgageadvice #home #mortgageclosings #realestatelife #portcreditmortgages #realestateinvesting #realestateforsale #homeowner #gtarealtor

It is mid-month! Here is a range of where rates are currently. Please note some of the rates may change from lender to lender and rates are subject to change. It is always a great idea to check in with a mortgage professional to ensure the rate you see here is the rate you will get when you purchase. If you need an introduction to a great mortgage broker, I am happy to do so. Slide into my DM’s and say, “Introduce me to your trusted mortgage professional!” 5-Year Specials! 4.59%-5.34% Rates vary based on a down payment, amortization credit and if the home is owner-occupied. Variable rate mortgage rate special! Prime -0.40 -Prime -0.90 Prime is currently 5.45 That would put the current variable rate of 5.05%-4.55%. ***** All rates are subject to change without notice**** #mississaugarealestate #gtarealestate #torontomortgages #gtarealtor #mortgagerates #homebuyer #portcredit #ontariorealestate #moving #financialfreedom #financialsuccess #financialeducation

Working with a trusted mortgage professional is so important. Not just for you from an affordability perspective but also from a client experience perspective. At the end of the day, I work closely with your mortgage broker. I can help navigate the relationship and ensure the person you choose to work for is really looking out for you and your best interests. If you would like to speak with someone. Send me a DM today. #mortgage#mortgagelife #mortgagerates #mortgagetips #mortgagedetails #mortgagepayments #mortgageadvice #home #mortgageclosings #realestatelife #portcreditmortgages #realestateinvesting #realestateforsale #homeowner #gtarealtor

Do you know about the credit guide of 2-2-2? It can be overwhelming, challenging and sometimes a mystery when maintaining credit. I am not saying this is the only thing that will get you great credit, but it is a neat rule or general guideline. 2-2-2 here is is broken down. Two types of credit or credit sources. For example, a loan and a credit card. Both with a limit or capacity of $2000.00 (or more). Both with a past history of 2 years (or longer). 2 - Sources 2 – Thousand Dollars 2 - Years This is a great way to maintain and build your credit long-term. Mortgage professionals are a great resource to help with credit maintenance, repair and establishing credit. If you would like to speak with my mortgage partner reach out and I will connect you. If you would like to learn more about boosting your credit check out The Credit Game – Rules Every Canadian Must Know to WIN by Richard Moxley. #mississaugarealestate #gtarealestate #torontomortgages #gtarealtor #mortgagerates #homebuyer #portcredit #ontariorealestate #moving #financialfreedom #financialsuccess #financialeducation

During Financial Literacy Month, the Financial Consumer Agency of Canada (FCAC) engages with Canadians and works together with organizations from the private, public, and non-profit sectors to help strengthen the financial literacy of individuals and families and build their financial resilience. Throughout the month, organizations from across the country are encouraged to host events and share resources aimed at helping Canadians understand their finances and empowering them to: • manage their money and debt wisely • save for the future • understand their financial rights For tools, information and resources please visit https://www.canada.ca/en/financial-consumer-agency/campaigns/financial-literacy-month.html I like to think I am always a resource for financial literacy regardless of the month but for the month of November you may feel there is a heavier focus on this topic because it is a national month we will be promoting. If you have a topic you would like me to dive deeper into please let me know in the comments or send me a DM. I look forward to learning together. #mortgage#mortgagelife #mortgagerates #mortgagetips #mortgagedetails #mortgagepayments #mortgageadvice #home #mortgageclosings #realestatelife #portcreditmortgages #realestateinvesting #realestateforsale #homeowner #gtarealtor

These are not the only sources of a down payment but according to our mortgage professional of choice, they are the most popular. If you would like to find out if the funds you are holding can be used towards your down payment for the purchase of a home, please send me a DM and I can introduce you to my mortgage partner today! · Chequing Account · Savings Account · GIC · Proceeds from the sale of a property · Investments such as TFSA · Mutual Funds · RRSP · Gift from immediate family members (non-repayable) · Inheritance Some sources are easier to access than others so when it comes to your deposit remember to reach out to your financial planner, financial expert, or mortgage professional well in advance to understand the process and what is needed for you to access the funds with ease. #mississaugarealestate #gtarealestate #torontomortgages #gtarealtor #mortgagerates #homebuyer #portcredit #ontariorealestate #moving #financialfreedom #financialsuccess #financialeducation

If you’re looking to buy a home, you’ve probably heard fixed-rate and variable-rate thrown around a lot when it comes to mortgages. Let’s review the difference between the two! So a fixed-rate mortgage has the same interest rate every month. You know exactly what your mortgage payments are going to be for every month of your loan because it doesn’t change. A variable-rate mortgage has an interest rate that can change. The interest rate changes from time to time due to the market, so your monthly payment could change over time. Both of these mortgage types have their advantages and disadvantages. If you’re wondering which one is best for you, just send me a DM and I can introduce you to my trusted mortgage partner of choice. Not everyone is a clear-cut fixed vs variable Your mortgage term is like a snowflake no two are identical. LOL Just kidding some are but it is still so important to identify your goals and to pick the one that suits you best. If you want to speak with a broker or agent let me know and I can happily connect you or if you want to connect with a #mortgage#mortgagelife #mortgagerates #mortgagetips #mortgagedetails #mortgagepayments #mortgageadvice #home #mortgageclosings #realestatelife #portcreditmortgages #realestateinvesting #realestateforsale #homeowner #gtarealtor

Apply within! Looking for clients who wish to be HOMEOWNERS👍 ⠀ Know someone? Send them this post. ⠀ I am not afraid to say it. I am asking for your referrals, your support, and your trust. Once given I will give you everything in my absolute power to help you in homeownership. ⠀ Don't believe me? Check out our Google reviews for the history of clients. I have always taken the time to service and help achieve their homeownership dreams together. I believe in you. I want you to win. I want to be part of your mortgage experience! ⠀ CLIENTS WANTED💛 #mississaugarealestate #gtarealestate #torontomortgages #gtarealtor #mortgagerates #homebuyer #portcredit #ontariorealestate #moving #financialfreedom #financialsuccess #financialeducation