Don’t let the barriers of financing hold you back any longer. Our tailored mortgage solutions are designed to empower your aspirations, whether it’s your first home, a property investment, or a refinancing endeavor. With a commitment to personalized service, competitive rates, and seamless processes, we’re here to make your mortgage journey smoother than ever. Your future starts now – take the decisive step towards your goals with the mortgage that’s perfectly suited for you.
a mortgage broker offers several advantages
These are just a few of the scenarios why working with a mortgage broker is your best choice.
I will support you throughout the mortgage application process. As an experienced mortgage broker, I will help you to find the best mortgage for your profile.
While banks say no, we say yes!
We have access to approximately 50 lenders across Ontario, which allows me to have several options available.
Beto Luqueci Thomaz
Mortgage Agent Level 2/ M19001201
Mortgage Architects| FSRA#12728
Find out below the answers to some of our more frequently asked questions.
A conventional mortgage is usually one where the down payment is equal to 20% or more of the purchase price, or a loan to value of less than 80%, and that does not normally require mortgage loan insurance.
Depending on the circumstances surrounding your Bankruptcy or Consumer Proposal, generally some lenders would consider providing mortgage loans.
Yes, however, I must qualify you. If you have less than 20% from the purchase price as a downpayment, you still may qualify to buy a home with 5% por cent of downpayment as Canada Mortgage and Housing Corporation and other mortgage insurers are available to cover the purchase price of a home, but some rules apply.
A pre-approved mortgage provides an interest rate guarantee from a lender for a specified period of time (usually up to 120 days) and for a set amount of money. The pre-approval is calculated based on information provided by you and is generally subject to certain conditions being met before the mortgage is finalized. Conditions would usually be things like ‘written employment and income confirmation’ and ‘down payment from your own resources’, for example. Most successful real estate professionals will want to ensure you have a pre-approved mortgage in place before they take you out looking for a home. This is to ensure that they are showing you property within your affordable price range. In summary, a pre-approved mortgage is one of the first steps a home buyer should take before beginning the buying process.
Fixed: The interest rare remains the same during the entire mortgage term.
Variable or Adjustable: The interest rate can change during the mortgage term.
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