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I can help you
with any type
of Mortgage

Refinance

A refinance replaces your existing mortgage with a new one with different terms and interest rate than the original mortgage.

Some of the most common reasons to refinance a mortgage is to lower your monthly payment, take out equity to pay out debt or do renovations to your home or removing a co-borrower.

 Refinancing your mortgage typically involves a similar process as obtaining a new mortgage. This includes a credit check, income verification, home appraisal & closing costs.

Renewal

When your current mortgage comes to the end of the term you can either renew with your current lender or move to a different lender. You may choose to renew your mortgage early to take advantage of lower interest rates. Your mortgage amortization will remain the same but you can choose the length of your new term.

Your current lender may not offer the best rates available so it is important to explore your mortgage renewal options. A credit check and income verification will be required in the qualification process to renew with a new lender.

First time home buyer

Buying a home for the first time can be overwhelming. As a mortgage broker my goal is to educate you to ensure you understand the mortgage process. I will walk you through the steps of acquiring a mortgage for your first home, from your pre-approval to signing documents with your lawyer.

Spousal buyout

This type of mortgage can be helpful in the case of divorce or separation when there is a matrimonial home involved. With a spousal buyout one spouse can acquire a new mortgage to pay out the previous mortgage and also take out funds to cover the equity needing to buyout their former partner. This allows one spouse to remain in the home and be the sole owner of the property.

A separation agreement or court order that outlines the division of the matrimonial home is required in this type of mortgage application as well as a full qualification of the applicant.

Down sizing, upgrading
& moving cities

If you already own a home you may be looking to port your current mortgage but this may not be the best option. A mortgage broker can help compare porting your current mortgage to your new home versus a getting a new mortgage to ensure you get the best rate for your situation. Most lenders will facilitate bridge financing for your down payment if you take possession of your new home before the closing of your current home.