Free Service
I provide mortgage services in Campbell River and along Vancouver Island. Whatever your situation, I am here to help you throughout the entire process. Contact me to get started, working with a mortgage broker is free!
First Time Home Buyers
My goal is to keep the biggest milestone of your life an exciting one by helping you throughout the entire process. My initial meeting with a first time home buyer is based around educating them on the process, the costs and any programs they are eligible for to save money. If you plan to buy a house in the next 1-2 years, now is the time to contact a mortgage broker.
Refinance, Debt Consolidation, Renovations
Because mortgages are secured against property, they have a lower interest rate than unsecured loans (credit cards, personal loans). Therefore refinancing your mortgage to consolidate debt or pay for renovations can be a great way to save money and reduce your overall monthly payments. If your debt is starting to build, contact a mortgage broker to discover your options before it’s too late.
Rental Properties, Second Homes and Repeat Buyers
If you are looking to buy one of these properties, you understand the importance of investing in real estate. You may think that only first time home buyers can put 5% down, but that is not that case. If you are buying a second home or another primary residence, you are allowed to put 5% down. However if you are buying a full rental property you must put 20% down. Contact me if you want to learn more about getting a mortgage on these properties.
Credit Building
Trying to understand your credit and what factors impact your score is a complex equation. However with years of experience, I can help simplify the process so you can achieve your homeownership goals. My first step would be reviewing your credit to see where the problems lie. I would then create an action plan to improve your credit, allowing you to be approved for a mortgage. Remember, my services are free as I get paid by the lender.