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Pre-Approvals: If you are thinking about purchasing a home, I can obtain a pre-aproval for you and guarantee your interest rate for 120 days. If
you think you may not qualify or are not quite ready we can set up a plan to get you into home ownership sooner than you think.
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Purchasing: If you have purchased a home, I can search the market for the best mortgage solution for you. Even if you have already been
pre-approved at your bank, I can often find a better interest rate for you.
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100% Financing: There are several programs available for "100% financing". CMHC now allows you to borrow the down payment and
GENWORTH permits the lender to give you cash back which then forms the down payment. With either program you must have good credit and
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New Construction: I have always had a keen interest in the construction industry and have financed many construction mortgages. I can help you
through the process if you are thinking about building your own home and obtain a construction mortgage with progress draws for you.
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Cottage Financing: I have now have access to 95% financing for a cottage purchase. It can be water access and does not need a well or septic.
There are some criteria for the dwelling and I can provide you with a list of these.
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Student Rentals: There are several options available for financing a student rental. If one of the students is a family member then you can finance
90 or 95% of the purchase price. Some conditions apply.
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Rental Financing: Generally you need 25% down to purchase a rental property but there are some other options available. If you are looking to
enter the rental market we can determine the best plan for you.
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Renewing: Did you know that you can "switch" your mortgage to another financial institution at renewal time at no cost to you? I can book an
interest rate with another lender 120 days prior to your maturity date. This is very important when interest rates are increasing.
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Refinancing: If you are thinking about taking advantage of the equity in your home and refinancing to pay out some debts, renovate or purchase
another property, a new mortgage at today's low rates often has little impact in your current payments and can save you thousands in interest on
credit cards and higher rate loans. You can finance up to 95% of the value of your home for any purpose.
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Self-employed Borrower: If you are self employed with good credit and have 5% down from your own resources then we may be able to finance a
purchase at prime rates with no need to prove income. You just need to prove at least 2 years of self-employment and no income tax arrears.
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U.S. Residents: If you are a US Resident looking to purchase a property in Canada, we have lenders interested in financing the
purchase.
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Credit problems: We have many lenders that will overlook past credit problems. We can also set out a plan to work through the credit bureau and
get you on the right track.
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For more in depth information on any of these products or services you can visit the corporate site at www.mortgageprokingston.com or contact me directly at the
numbers and email above.
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