RESIDENTIAL MORTGAGES
A few things to consider when choosing a mortgage for your home
Residential Mortgages
Why Use a Broker
One of the greatest advantages of using a mortgage agent is having access to a variety of lenders. A bank will only offer you access to their products, while a mortgage broker can offer you more choices through multiple lenders. With this vast product selection, agents help homebuyers and owners get the best mortgage for their needs. Our knowledgeable agents are here to help you with all your mortgage needs; first time home buyers, mortgage renewals, refinancing options or investment properties.
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Cost of a Mortgage Broker
Our services are of no charge to you. We are paid by the lenders and institutions we work with on your behalf. Our agents are committed to finding the mortgage solutions that are most compatible with your financial goals. Homeguard Funding does not change any fees for its services. Instead, Homeguard Funding receives a commission from the lender when the closing of a mortgage transaction.
Mortgages 101
There are many factors to consider when choosing your mortgage type for the first time. Rates, features, options, market trends, and long term goals should all be taken into account when choosing your mortgage. Below we have outlined some of these important considerations.
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Buying a Home
Buying a new home is always exciting. Whether it’s your first home, next home, or great investment opportunity, we can help you with every aspect of the mortgage process. Let’s get you started by reviewing some key points to consider when buying a new home!
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Refinancing
Pay off your current mortgage and replace it with a new one. This can help you reach a variety of goals. Refinancing makes sense when you want to borrow additional funds, at a lower interest rate compared to other types of unsecured credit.
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Investing in a New Property
Have you thought about investing in a property recently? Investing in a new property can be the best decision of your life. Your return on investment for an investment property can be exceptionally high, a great retirement strategy; a pension plan for the future, or a chance to expand your financial portfolio.
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Buying a new home is always exciting. Whether it’s your first home, next home, or great investment opportunity, a mortgage broker can help you with every aspect of the mortgage process.
Residential mortgage types are varied with numerous options to consider. Keep in mind that your ideal mortgage is one that will best match your budget and provide you with confidence knowing that you have made the right choice to best match your financial goals.
A few things to consider when choosing a mortgage option include:
- Term
- Rate - variable vs. fixed
- Payment flexibility
- Pre-payment privileges
- Restrictions, fees and penalties
- Mortgage portability or assumability
- Qualifying with no income verification (self-employed)
Let’s get you started by contacting one of our agents today! We can talk about the best mortgage solution for your unique financial goals.
What's Next
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