Gale Tracey- The Dream Home Maker Mortgage Architects

Description

You're off to a great start with a company that offers expertise, in-depth industry insight, exceptional resources, and exclusive access to a suite of innovative mortgage products. I look forward to being your personal mortgage planner and drawing up an individual plan that is right for you, for whatever your needs and situation: Buying a first or next home When you’re thinking of buying, it’s wise to begin by talking with a mortgage planner - to understand how much mortgage you can manage, and to explore both traditional and innovative mortgage options Self-employed; no income verification We understand business owners because we’re business owners, too. What’s more, we have a long list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians. You don’t fit in the neat box at the bank? That’s okay; we don’t have boxes, we have solutions. Low payments; long amortizations or interest only Sometimes, it makes good financial sense to keep your mortgage payments as low as possible to buy the home you want or to free up funds for investment or other uses. The good news is that there are several options available to help you lower your mortgage payments. Investing in property Investment properties - particularly smaller, residential real estate - are now accessible to many average Canadians. And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade. Vacation/second homes More Canadians than ever before are now spending quality time in their own vacation property. Cottages and chalets are now providing family memories for many average Canadians, who are taking advantage of innovative new mortgages that put these getaway homes within reach! Renewals Congratulations on your maturing mortgage. Now's a great time to look at the many innovative options and competitive rates available. This could be an important moment of opportunity. Refinancing/debt consolidation Mortgages generally qualify as good debt: they are usually available at the lowest possible rates, and they represent a good investment in a (generally) appreciating asset. Bad debt saddles you with high interest rates - often on depreciating assets. But if you have equity in your home, then you have an opportunity to turn bad debt to good debt - by refinancing and rolling high-interest debt into your mortgage for big interest savings Tapping into home equity Maybe it just needs some new landscaping, an extra wing for your growing family, an expanded kitchen, or a swimming pool in the backyard! A record number of Canadians have taken advantage of the historic low mortgage rates and rising real estate values and have tapped into their home equity. Credit repair Often a new mortgage may be the best way to manage all of your debts. Moving your high-interest debt into a lower-rate mortgage is a great way to save on your overall interest costs, improve your cash flow, and begin the process of improving your credit rating. It's great news that the right mortgage can help establish your reputation for credit-worthiness. Pre-approvals Find out how much you can afford before you go house hunting.