Saturday, January 10, 2015

First Time Home Buyers, New to Canada Home Buyers - I am hee to help!

I would like to shed some Clartiy on Mortgages for First Time Home Buyers.

The first step is to get pre qualified:  This is VERY IMPORTANT!!!

I work with  number of clients and everyone has one thing in common....... their situation is different from everyone else....

This is where I come in, I get the basic information from you and begin to develop a plan for you to purchase your first home.  I take you through everything step by step so it does not confuse or overwhelm you.

You first time purchase should be exciting and I am hear to help with that.

The reason you need to get pre qualified is to ensure you have all your "ducks in a row" so to say, before you go out shopping for your first place. There are all kinds of things to consider, such as:

1. How much do I need for my down payment, where is it coming from, what does the bank need to verify the down payment, can I borrow the down payment, can a family member gift it to me, can I use money from over seas.

2.  What do they need to verify my employment, can I be part time and still qualify?  What if I am self employed?

3. I am new to Canada and have been paying rent and a cell phone for a year but I don't have two years credit built up - can I buy a home?

4. How much can I afford? How much do I qualify for?

5. Is my credit good enough?

These are just a few items that can come up and I will be able to answer all these questions:)

Contact me today to get your mortgage plan in place.


Monday, January 5, 2015

Get ahead of Debt - Mortgage Advice from yourmortgagegirl!

Here's the constant: the central bank continues to caution that high household debt to income ratios are the biggest domestic threat to the Canadian economy. The Bank also says that the danger of that risk becoming reality, due to a jump in interest rates or a sharp downturn in the economy, is low....... Call Amy to learn how to control your debt and get ahead in 2015! - Amy Wilson -