Blog – Page 2 – Best Refinance

I recall, about 15 years ago, (having never heard of a mortgage broker) working at the branch and sitting at my desk when a client peeked into my office and asked if I could witness his signature for a mortgage refinancing documents. I was taken aback, when I noticed that the mortgage refinance was indeed …

As most mortgage brokers and mortgage agents in Mississauga, can attest to, is that it would be prudent to get anything of value from a mortgage refinancing commitment standpoint, in writing. I can not count the number of times I was in the branch environment, across from customers who were blue in the face, confirming …

In my many years as a mortgage agent with the bank, and subsequently as a mortgage agent licensed with the Province of Ontario, I have seen hundreds of applications approved and some not given any consideration as a result of non-qualifying criteria. In this section, we will cover some of the most common concerns and …

When dealing with a large financial institution, negotiating a better refinancing rate for your mortgage can sound intimidating, if not an outright terrifying task when entering your local branch. Sitting on the other side of the desk, and contemplating the power that the mortgage representative may have in approving or declining any mortgage application, can …

As a former mortgage representative, having completed hundreds of refinance deals for a multi-billion dollar financial institution, I have seen many opportunities to have fees waived and interest rates cut, when a customer decided to refinance with our company for a new mortgage, or in some cases, threaten to transfer out to a competing institution …

“Why would I want to refinance my mortgage today?” Is a question, I was asked by clients on a daily basis, when it came to finding savings and consolidating high interest debt with a new mortgage. As a former mortgage representative for a multi-billion dollar lending institution, I have had my fair share of discussions …

Banks may probably be a convenient way to get a loan. However, you have to have good credit ratings for them to even consider you as a potential borrower. Banks have lately raised their fixed mortgage rates due to changes in the property market. The reasons why the lenders are increasing their rates are varied. …

Dreaming to own a house is one of the most exciting things in any person’s life. But buying one is a whole different ball game. It is pretty expensive and you might not be able to afford to pay the whole amount immediately. This calls for a mortgage to help finance the purchase. Many people …

Though it can be a great tool when used in the right circumstances, refinancing a mortgage is sometimes viewed suspiciously by some people. The fact that a mortgage is looked at as a ‘long term burden’ might make you think that refinancing it only serves to make it worse. However, with financial prudence, you can …

The federal government recently unveiled plans effective October 17, 2016 that would require all insured borrowers to qualify for mortgage loans based on the posted rate for a five-year rate mortgage, which is now 4.64 per cent. Previously, consumers with locked-in rates for five years or greater have been able to use the rate on …

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