As a mortgage agent I can shop around for the best rates through various lenders. When you come in for a free consultation we will talk about your current financial situation and several factors going into a mortgage and we will see where you can qualify for the best rates available to you and the best terms and conditions that best fit your life situation and future plans and goals.

• Meet various lenders
• Find you the best rates

When it comes to a mortgage on a property the placement of that mortgage on the title of a subject property is where the first, second, and sometimes third and it can keep going, mortgage titles comes into play. So what am I talking about; the placement of the mortgage on the title of a subject property is the order in which financial institutions ( “A” or “B” lenders), private lenders are to be paid out if the subject property was to ever end up in Financial Distress (e.g., bankruptcy, tax liens) and is forced to be sold at or under market value. When getting into second, or third mortgages you can expect that interest rates will be subsequently higher due to their placement of the loan on the title of the property.

When you’re looking to buy a new home or refinance to pull the equity out of your home, you will be looking at a first mortgage. Principle and interest built into a monthly payment over the agreed upon terms and amortization period.

If you’re looking for a small lump sum of money for a short-term period to consolidate some debts at a lower interest then the high credit card interest rates out there today, to help you in a jam or any financial situation. This is when you would be looking for a second mortgage. In short, a second mortgage is a short-term loan that is secured against your property, usually structured in interest only monthly payments and lump sum principle amount due at end of the term.

If you’re looking to refinancing your home, it can help and benefit you in these many areas

• Home Improvement
• Debt Consolidation
• Lines of Credit
• School Payments

Switching or Renewal of your current mortgage

• I will negotiate on your behalf with your current lender or a new one who will provide you the best rates and service
• Renewing Early

Pulling the equity out of your current home can also help you with Investing in a New Property for rental income or for helping a loved one purchase there first home.

Buying A Home and want to know your options, a mortgage agent like myself is open to many lenders and major banks to apply for your mortgage without taking multiple hits to your credit like you would going bank to bank.

• First time home buyers
• Mortgage Pre-approvals
• Self employed