Monday, November 21, 2016

TOP REASONS TO WORK WITH MARG MORTGAGES

Here are several reasons to work with me

Purchasing a home is an important decision and you should be confident about your investment. I will work with you personally to offer you valuable insight throughout the process, save you time and find the mortgage that best suits your situation.

Get independent expert advice on your financial options. I am not tied to a specific lender or products so I can offer you mortgage products that will best match your specific needs. 
My only goal is to help you successfully finance your home.

I will also help you:
· Save time with one-stop shopping. Instead of spending your valuable time meeting with competing mortgage lenders, I can quickly narrow down the list of lenders that will help you achieve your financial goals. I will make your comparison-shopping fast, easy, and convenient. 
· I will negotiate on your behalf. Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. And even if you have an existing relationship with your branch, Marg Mortgages is licensed under TMG , a mortgage brokerage that does millions of dollars of transactions yearly with a wide variety of lending institutions so I have strong lender relationships. I can use that relationship to your advantage to negotiate your mortgage to ensure you secure competitive rates and terms that benefit you.
· I will ensure that you're getting the best rates and terms. Even if you've already been pre-approved for a mortgage by your bank or another financial institution, you're not obliged to stop shopping! I can investigate on your behalf to see if there is an alternative to better suit your needs.
· Customization. All mortgages are not created equally, and depending on your financial goals, I will ensure the mortgage you receive helps you with those goals. Whether borrowing to purchase, renovate, or make your mortgage interested tax deductible, I can ensure that the mortgage you have helps achieve these financials goals.
· From start to finish: Even after your closing goes smoothly, my job is still not finished. 
I will help ensure your transaction closes on time....but after closing I am still available for all your mortgage needs.

· No cost to you. There's absolutely no charge for my services on typical residential mortgage transactions. Like many other professional services, such as insurance, mortgage brokers are paid a finder's fee when we introduce dependable clients to a financial institution.


I provide ongoing support





Once your mortgage is signed and paperwork is complete, I am here if you need any advice on closing details or even future financing needs. I am always happy to be of assistance when you need it.




TIPS TO HELP YOU BUY YOUR FIRST HOME

TIPS TO HELP YOU BUY YOUR FIRST HOME

Let me help you make an informed decision
 
Buying a home is one of the biggest financial decisions you will make, so it pays to make an informed decision. I will assist you with the entire home buying process from the moment you decide to buy your home to the moment you move into your new home!
 
Why work with me?
I will assist you in the home buying process by:
  • explaining the various mortgage products available to you and provide you advice on the product best suited for your financial circumstances;
  • advising you on the documentation you must provide to obtain a mortgage approval;
  • customizing your mortgage options to make sure your mortgage works for you; and
  • explaining all the costs that exist over and above your down payment.
 
Put together your
home buying team
 
It helps to organize your home buying team of professionals to assist you with the process at the start. Your home buying team includes myself, your Realtor, a home inspector, a lawyer or notary and an insurance agent!
KEY POINTS TO CONSIDER: Here are several key points to keep in mind as you start the home-buying process and how working with a mortgage broker can help you. Keep in mind, in most instances, my services are no cost to you with no risk and obligation.
  • Know what you can afford
  • Get a rate guarantee of up to four months
  • Ensure all credit approval documentation are in place sooner than later including documentation required for different income types i.e. salaried vs. self-employed
  • Open vs. closed mortgage, fixed rate vs. variable rate mortgage
  • Conventional vs. high-ratio mortgage
  • Length of repayment (amortization) - up to 30 yrs
  • Your mortgage term รข€" from 6 months to 10 years
  • Other costs you need to consider such as legal fees, land transfer tax, survey, title insurance, fire insurance, home inspection and HST
Overwhelmed? Let's chat and I will clarify each one of these points for you!
Let me help you finance your home
  
If you're unsure of what your next step should be, let's talk. Together we can review your options and create a mortgage financing plan that works for you.
  
 
 
Marg Mortgage is Licensed under TMG The Mortgage Group – an award-winning Canadian mortgage brokerage with a national team of over 800 qualified and accredited mortgage brokers, agents and associates providing residential and commercial mortgage services. Since 1990, TMG has helped over a quarter million Canadians get the best financing solutions and mortgage rates through Canadian mortgage lenders from coast to coast.   

HOW TO PAY OFF YOUR DEBT FASTER

HOW TO PAY OFF YOUR DEBT FASTER

What is a debt consolidation?
In a nutshell, this involves taking out one big loan, which you use to pay off your current debts. Once your outstanding debts have been paid off, you’ll just have one payment to make each month towards your consolidation loan.
A debt consolidation is helpful in that it accomplishes three things.
First, it lowers your interest rate. Many credit cards have high interest rates – some as high as 27% – and if you haven’t been making more than your monthly payments, chances are your balance isn’t going down very quickly because of the interest charges. A good debt consolidation loan has a lower interest rate than the credit cards you are consolidating, which saves you money in the long run because more of your payment will go towards paying down your debt.
Marg Mortgages works with our partner to help you plan for the future with an unsecured personal loan! We offer.........
  • $5,000-$35,000
  • Rates starting as low as 6%
  • 6 months to 5 year terms
  • Funding within 24 hours
  • Soft credit pull to qualify
You can also use our personal loan for the down payment on a new home or a renter property. Click on the link below for more information: http://www.margmortgages.ca/LookingForYourFirstHome