moneyforyou.ca

 

First Time Buyer?

Get pre-approved so you can shop with confidence.

• Getting your first mortgage can be very scary. You will feel much better if you plan ahead and are prepared. Know your limits. Avoid disappointment. Let me help you crunch some numbers so you know what you can afford. Then, I can look at my suite of mortgage options and determine what works best for you.
• Of course, owning a home will cost more than renting. Yes, maybe you already know how to save on utilities, but have you considered all the other things you will need to buy now, such as snow shovels, gardening equipment, and window coverings? Leave some money for you, too.
• Many realtors won’t even want to work with you until your finance limit is approved. And, being pre-approved might give you some leverage when negotiating with a seller. Planning and preparation are keys to success.
• You can purchase a home with as little as 5% down. Call or email me today to discuss your options.

Difficulty in Obtaining a Mortgage?

Even if you are self-employed, have a bruised credit rating due to past financial difficulties or bankruptcy, or are new to Canada, you can qualify

• I can help you search for a mortgage solution that works for you. If you have been turned down before, you are very wary of going through the process again. I can help make it easy for you.
• Even if you don’t qualify now for a credit card, you can still take steps to rebuild your credit. Yes, it will take some time, but don’t wait for 7 years! Start with a secured credit card or loan, backed up by a savings account or other guarantee. Keep it current – that information will get reported to the credit agencies and your credit rating will begin to rise. Then, consider using a department store credit card, which are usually fairly easy to acquire. Be disciplined! Make your payments on time and keep your balances low – prove that you are a responsible borrower!
• I work with a number of lenders who understand that self-employed workers do have steady income, and that if you are young or new to Canada you just haven’t had time to build up a credit history. Let me help you figure out your options. Call or email me today for a free consultation.