Our brokerage consists of highly knowledgable, impeccably skilled, and environmentally conscious members. Combining experience in the world of banking, real estate, law, and many more, we are fully and completely prepared to help you reach your financial goals. Working with us means you are the priority, and you will experience a level of service, process, and professionalism unlike ever before. Our global initiative allows us to contribute a portion of our proceeds from every mortgage funded, to plant trees around the world. Fighting deforestation and getting you funded.
-Know Your Budget-
Pre-approval means that a lender has stated in writing that you qualify for a mortgage loan based on your current income and credit history.
-Buying a Home-
A “purchase mortgage” is a home loan used to purchase a piece of property, whether it be a principal residence, a second home, or an investment property. If you're looking to buy a home, you'll need a purchase mortgage.
-Access Your Equity-
A refinance is the process of replacing an existing mortgage with a new loan. Refinance in order to reduce your monthly payments, lower your interest rate, pay off debts, or make improvements on your home.
-Start Your Journey-
As a first-time home buyer there are many things to be aware of, such as; Mortgage Default Insurance (CMHC), RRSP Home Buyer's Plan, Land Transfer Tax Rebate, Tax Credit and many more.
-Get a Head Start-
A mortgage renewal occurs when your current mortgage term reaches its maturity date, you'll need to renew the outstanding balance for another term.
-No Hassle Funding-
A private mortgage is a short-term, interest-only loan that is often taken out by someone who doesn’t qualify for prime or bad credit lending. Fast funds for those that can afford to make the interest-only payments.
-Fast Approvals-
A second mortgage allows you to use the equity you have in your home as security against another loan. This is an ideal option for many that require funds, typically based more on equity than income and credit.
-Funding For You-
Self-employed workers typically obtain their mortgage through stated income applications, which require a signed income declaration and proof of self-employment.
-Growing Your Money-
Buying an investment property is a popular option for Canadians looking at different ways to invest their money. Financing an investment property comes with a bit more complexities than residential.
-Home Equity Line of Credit-
A home equity loan is basically a second mortgage, in which you take out the total amount you intend to borrow in one lump sum and pay it back every month. The time period is typically 5-15 years.
-Become Debt Free-
Consolidating debt into a mortgage means breaking your current mortgage and rolling high-interest credit cards, car loans, and other non-mortgage debt into a new mortgage at a new lower interest rate, overall.
-Welcome Future Homeowners-
Genworth's New to Canada program helps new Canadians purchase their first home sooner, making it easier for these families to become economically established in Canada.
-Build Your Dream-
A ``construction mortgage`` is given on a progress advance basis. The full amount that you need to borrow, in order to complete your construction, is given in draws as you complete various levels of completion.
-Helping You Connect-
A ``bridge loan`` is a short-term financing tool that helps purchasers to ``bridge`` the gap between old and new mortgages by allowing them to tap the equity in their current residence as a down payment.
-Buying The Building-
A ``commercial mortgage`` is usually a long-term loan (often up to 25 years) that provides the cash to purchase business premises. Most commercial mortgages only offer up to 70% of the total value of the property.
-Private Financing Required-
A ``land loan`` is financing that allows you to purchase a plot of land. Your credit history and the value of the land will be evaluated to determine if you’re an eligible buyer. Down payments and interest rates will be higher residential.
All Mortgages Funded With Us, Equals 100 Trees Planted. We named our company based on our two initiatives. Helping our clients, and helping our planet. We achieve this by working and networking with the Banks, Credit Unions, Trust Companies, Private Lenders, and various additional sources of financing (exclusively available through us) for the many different funding scenarios.
While we run like a well-oiled machine to get your financial goals aligned, we simultaneous work to contribute to our planet. Join us in the fight to help save our one and only earth and let us do the heavy lifting to get your mortgage funded.
The ‘Bank of Mom and Dad’ is no longer just for down payments Parents have moved beyond helping their children with a down payment, with high home prices and interest rates forcing them to co-sign on mortgages themselves. GIRENE GALEA AND ERICA ALINIPUBLISHED OCTOBER 29, 2023UPDATED OCTOBER 30, 2023 Parents have moved beyond helping their…
Posthaste: 3.4 million Canadians will renew their mortgages by 2025 — and they’re worried Royal LePage survey finds many looking at a variety of cost-cutting tactics Gigi Suhanic Published Oct 26, 2023 Many Canadian households will be grappling with higher payments as their mortgages come up for renewal. The days of “rock-bottom rates” are over…
The market might be headed for a hard landing These defensive strategies could protect your portfolio Lawrence Ullman is the chief executive of Ullman Wealth Management Inc., which provides private capital-management services to high-net-worth individuals, endowments, charities and foundations. This year’s market rally has caught many investors off guard. This was supposed to be the…
Canadian luxury housing market enjoys continued demand, confidence “Hyperlocal influences” dominated luxury market dynamics in Canada’s largest cities Consumer demand and confidence in the Canadian luxury real estate market have remained robust despite the sharp rise in interest rates and lingering economic uncertainty, according to an analysis by Sotheby’s International Realty Canada. The report noted…
Markets across Canada experience spring surge Canada’s major housing markets appear to be shifting direction this spring. After a few months of sluggishness, early results from boards indicate that activity has picked up significantly in most markets, and prices have ticked higher. “There were hints for some time the cyclical bottom would be reached this…
New First Home Savings Account launches April 1, but won’t be available until later this year Prospective homebuyers wanting to take advantage of the federal government’s new Tax-Free Savings Account will have to wait longer, despite the program’s official launch date of April 1. All of the Big 6 banks confirmed to CMT that they…
Bond yields plunge. What it means for fixed mortgage rates Bond yields dove over 30 basis points on Friday as economic worries start to replace inflation concerns. Bond yields, which lead fixed mortgage rates, fell to 2.84% on Friday, down from 3.15% on Thursday and well off the 3.59% high reached in mid-June. The decline…
Canadian Home Sales Rebound 57% from April, But Still Down Sharply vs. 2019 After the steepest decline on record in April, Canadian home sales posted a 56.9% rebound in May, while the number of new listings surged 69%. While the resurgence in activity suggests April was likely a bottom for the COVID-19-induced housing decline, there’s…
‘Mortgage Holiday’? Borrowers In Italy, U.K. May Get A Break From Payments, And Canada Could Follow Some U.S. cities are protecting renters with eviction bans during the outbreak. With global stock markets tanking and coronavirus cases rising rapidly in Asia, Europe and North America, politicians around the world are racing to unveil emergency measures to…
A single tree can be home to hundreds of species of insect, fungi, moss, mammals, and plants. Depending on the kind of food and shelter they need, different forest animals require different types of habitat. Without trees, forest creatures would – read more…
Trees help cool the planet by sucking in and storing harmful greenhouse gases, like carbon dioxide, into their trunks, branches, and leaves, and releasing oxygen back into the atmosphere. In cities, trees can reduce overall temperature by up to – read more…
