When you are buying a  home, receiving the right financing terms  may ultimately be the most  integral part of the process. I can help you  through the mortgage  process and refer you to many good mortgage  institutions that will be  sympathetic to your needs. As an Agent for Londono Immobilier, we even  have a dedicated team of mortgage brokers  who will get you the most  favorable terms on the market, and will be  able to scan institutions  across Canada for the best rates. Since I have resourses, I will be  able to help you and  advise you through every step of the process.

Pre-qualification; A very important step in the home buying  process is getting  pre-qualified for a mortgage on a home. This is  important because if  you will be financing your purchase you will want  to know exactly how  much “Home” you can afford. I can Pre Qualify you  for a mortgage, or I  can refer you to an independent mortgage broker who  will take care of  all your needs. Banks are also reliable places to get  pre-qualified for  mortgages, however in the end, it might be better to  see a separate  and impartial mortgage broker who will consider each  client request  starting as a “clean slate.” Meaning that your past  history will not be  any hindrance. Down Payment As part of your offer, you will need to  disclose the size of your down  payment. Once again, this allows the  seller to evaluate your likelihood  of obtaining a home loan. It is  easier to get approved for a mortgage  when you make a larger down  payment. The underwriting guidelines are  less strict.

Interest Rates; Another reason for including financing  information in your offer is to  protect yourself. If interest rates  suddenly become volatile and rise  quickly, as sometimes happens, you may  looking at a mortgage payment  much higher than you anticipated. By  putting a maximum acceptable  interest rate in the offer, you are  protecting yourself from such an  occurrence.