With 15 years of lending experience, I offer professional, ethical, and honest financial advice to help you achieve your goals. Let's work together to make it happen.
To get started, simply click on ‘Apply Now' and fill out my easy online mortgage application.
I'll reach out to discuss your goals and concerns. I'll provide an action plan for your best outcome.
I'll work closely with the lender for a smooth process. You'll be kept in the loop the entire time.
I'll guide you through the final steps and answer any questions even after closing.
As a lending professional with over 15 years of experience, I have the knowledge and expertise to guide you through the loan process and find the best terms for your budget. Whether you're a first-time homebuyer or a seasoned investor, I can help you navigate the financial aspects of home buying and ensure a smooth closing. My commitment to my clients is unmatched, and I will take the time to understand your unique situation and help you make the best decision for your needs. So let me help you make your homeownership dream a reality.
What My Clients Are Saying
The minimum down payment required to purchase a home in Canada is 5% of the purchase price, for homes priced up to $500,000. For homes priced over $500,000, the minimum down payment is 5% for the first $500,000 and 10% for the portion of the purchase price above $500,000.
The maximum amortization period for a mortgage in Canada is 25 years, for mortgages with a down payment of less than 20%. Mortgages with a down payment of 20% or more can have an amortization period of up to 30 years.
A fixed-rate mortgage has an interest rate that remains the same for the entire term of the mortgage, while a variable-rate mortgage has an interest rate that can fluctuate based on market conditions.
A mortgage stress test is a financial stress test that Canadian lenders are required to use to determine if borrowers can afford their mortgage payments. The stress test requires borrowers to qualify for a mortgage at a higher interest rate than the actual rate they will pay.
Mortgage default insurance is insurance that protects lenders in case borrowers default on their mortgage payments. It is required in Canada for all mortgages with a down payment of less than 20%.
It is possible to get a mortgage with bad credit in Canada, but it can be more difficult and may require a larger down payment and higher interest rates.
A mortgage pre-approval is a process where a lender evaluates a borrower’s financial situation and determines the maximum amount they can borrow for a mortgage. A pre-approval can help borrowers determine their budget and make the home-buying process easier.
Fees associated with getting a mortgage in Canada include application fees, appraisal fees, legal fees, and mortgage insurance premiums.
A mortgage term in Canada is the length of time that a borrower is committed to a specific mortgage rate and lender. Mortgage terms can range from 6 months to 10 years.
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