PRE-APPROVAL

I will make your home purchase loan easy and stress-free. Whether you are a first time home buyer or an empty-nester downsizing, I will find you the best lender and will help you navigate every aspect of your home purchase loan.

- I will ask you a few simple questions to understand your situation. I will then shop the whole mortgage market from the chartered banks, trust companies, and even local credit unions to find the best home loan deal for you.

- I will help you determine what mortgage amount you qualify for and what downpayment amount is right for you. I will provide you with a prequalification for a mortgage loan if you require this before engaging with your real estate agent.

- I will help you assess your credit score and how this might be affecting your mortgage interest rate and possibly even your downpayment amount. If your credit score is hurting you in any way, we can review and remedy this.

- I will make sure you take maximum advantage of any home buyer programs or promotions that apply to your situation. For example, the Home Buyer's Plan is a government program where you can borrow up to 25K of your own RSPs toward the down payment of your home.

- I will guide you on land transfer taxes, discharges of previous loans, and connect you with trusted lawyers as necessary

- I will help you with any special situation you might have such as self-employment, retirees and etc. I can even help you access my network of private lenders if necessary.

I am here to take the stress out of the home purchase process. I will be available from the initial phone call right up to the closing day with your lawyer and beyond. I will get you the best mortgage loan and will be your guide and interpreter to make this complex financial transaction an easy one.