Get help choosing the best home loan… 
Whether you are looking to buy your first home, move home, refinance, renew your current loan, or invest in property, it is essential that you have the best home loan for your needs.
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- Help you choose the best home loan for your needs
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It is extremely important to have a mortgage pre-approval in hand once you begin shopping for a property. This will allow you to know exactly how much money the bank will lend you (so you don’t waste all of your time shopping for a home you can’t afford) and will set you apart from other buyers in a hot market. It is always extremely attractive from the point of view of a seller to receive an offer from a buyer who you know will be approved, and in the case of multiple offers, this is sometimes all it takes to beat out the other buyers!
As well, your pre-approved mortgage rate can be guaranteed for as long as 90 days. If rates go up during this period, you’re protected. If they go down, you will automatically get the lowest rate for the term selected.
After several years in the real estate business, I have worked with many mortgage specialists at all of the major banks and would be happy to share with you some of the best I’ve come across.
Mortgages and getting prequalified
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.
