| SERVICES – MORTGAGE REVIEW |
After you have completed the steps in getting started, the next phase is for us to conduct a mortgage review and assess your unique needs … whether you are a first time homebuyer, self-employed, going through a divorce, wanting to consolidate debt or renew your existing mortgage … we can help!
MORTGAGE REVIEW SERVICES
Whatever stage you’re at … whether you’re purchasing a home, renewing your mortgage, refinancing your mortgage, consolidating debt or annually re-evaluating your existing mortgage, we’ll provide the expertise you’re looking for:
If you are …
Purchasing a home we’ll help you:
- create a budget to identify your maximum monthly mortgage payment, making allowances for some unexpected expenses
- analyze what amortization period would best suit your long term plan (i.e., 20, 25, 30 or 35 years)
- evaluate various accelerated payment options and how they can save you money
- understand your options regarding property taxes – and whether to pay property taxes direct - or have the lender deduct them with the mortgage payment
- finalize the investigation of your current situation, and apply for pre-approval to protect your interest rate for up to 120 days
Renewing your mortgage means examining your current personal situation in terms of the following:
- deciding whether you are interested in taking any equity out of your home for renovations or debt consolidation
- understanding what the current market value is of your property
- answering questions like:
- are you planning to move within the next few years?
- has your employment situation changed … a new career or an increase in your pay?
- has your income type been adjusted from salary to commissioned or self employed?
- has your martial status changed?
- reviewing your credit score and how it may impact your personal situation
- considering techniques that can help you save money with your mortgage (link to mortgage strategies – how to save money with your mortgage)
To refinance your mortgage or consolidate debts, we’ll be at your side to:
- complete a review and analysis of all outstanding debts
- prepare calculations to consolidate the debts
- restructure the debt to reduce your overall monthly costs
- in addition, utilize the same extensive review process as renewing your mortgage – so you can sleep at night.
Annual mortgage reviews …
Is your mortgage still performing at peak efficiency?
An annual mortgage review offers:
- the best way to uncover money saving secrets
- a no-cost benefit that can help you save thousands of dollars over the life of your mortgage
- the expertise of a mortgage professional looking out for your needs, because:
- In any 12 month cycle, interest rates can alter, new types of mortgages and features become available, housing values can rise and most importantly – your personal situation can change. All of these factors may present an opportunity for you to save money.
- It only takes a few minutes of your time to discover the benefits and advantages available.
