Richard Bacchus is a mortgage agent located in Old Meadowvale Village, a beautiful heritage community in Mississauga.

If you have ever gone through the processes of getting a mortgage in the past, you know it is a lot of work, especially if you are trying to do it all on your own. There is a lot of paperwork, number crunching, and financial planning that has to be performed in order to paint a positive future outlook that financial lenders will agree to support with their financial resources. This then translates into a mortgage, line of credit, or small loan that you are approved to receive and use for your desired needs and goals.

Unlike going to the bank to get a mortgage, a mortgage agent has the opportunity to go to any bank or financial institution to find the best rates and packages that suit your particular needs and circumstances.

There are many advantages to getting a mortgage. Besides the obvious uses of a mortgage which are to purchase a house, condo, or material possessions like cars, there are a lot more opportunities that a mortgage can be used. Things such as getting a mortgage to pay for your child to go to a college or university to get a post-secondary education or to pay for that vacation you have been planning for years.

• Purchase a home
• Purchase a condo
• Purchase an investment property
• Purchase cars
• Pay for college and university (post-secondary education)
• Pay for you to travel for vacations

I offer a variety of mortgage services that can help you get the money you need when you need at competitive rates. I help my clients get refinancing, switch their mortgage providers, renew their mortgages, and utilize their home equity to get mortgages that can be used to purchase or pay for things they desire.

Whether you are looking to purchase your first home, a new home, or an investment property Richard Bacchus can help you get the mortgage you need to make your property purchase a reality. Richard will need 7 key documents to get your mortgage started:

1. Photo Identification (ID)
2. Bank statements
3. Proof of Income (i.e. pay stubs)
4. Tax Returns
5. Credit History
6. Gift Letters
7. Renting History (if applicable)

The more details Richard gets about your current finances, the better he is able to develop a mortgage solution for you that is affordable to repay and able to convince financial lenders to lend money to you.

If you are a business owner who is taking the leap to start a business and buy your first property, purchasing a new location to expand or move your business, or property investor, Richard Bacchus will be able to work with you and your team to grow your business. Richard will need a few key pieces of to get your mortgage started:

1. Property used as collateral details
2. Property cash flow
3. Rental Income
4. Income and Assets of the Guarantor