WELCOME TO
MORTGAGES BY JOSIE!!
Hello! I'm Josie,
I always take the time to understand my client's unique needs and financial situations, working tirelessly to find the right mortgage solution. I'm a highly experienced and accomplished mortgage professional with a wealth of knowledge in the Brazilian and Canadian markets and over 10 years in the Real Estate industry.
Whether you're a first-time homebuyer or a seasoned property investor, I have the expertise to guide you through the mortgage process and make it as smooth and stress-free as possible. If you're looking for a professional committed to providing excellent customer service and making the home-buying process as easy as possible, look no further!
What I do
Mortgage Pre-Approval
Mortgage Pre-Approval is an estimate of the amount and terms of the mortgage you can afford. This figure is determined by Vancouver mortgage brokers based on your income, savings information, and credit. Though not an assurance your application for your mortgage loan will be approved, a pre-approval can facilitate your house search and it offers benefits such as a rate guarantee.
Home Buyers
Regardless if are a First-Time Home Buyer or not, I'm here to help! I believe that there is no such thing as a one-size-fits-all solution to house buying, I take pride on tailoring my services to your exact needs. For a more comprehensive discussion, feel free to download our Home Buyer’s Information Kit or schedule an exclusive meeting.
Equity Financing
Equity financing is the granting of a mortgage based on the strong savings and credit history of an applicant. If you have a lower income, are self-employed, but have a good savings and credit history, equity financing is a good choice for you. Often, traditional lenders may reject individuals with lower incomes, but in equity financing, the savings and credit history can compensate for lower incomes.
Mortgage Renewals
Switch or Refinance
Switching occurs when you move your mortgage from one lender to another.
Why Do People Switch?
- Other Lender may offer better mortgage terms than your current one.
- You may be dissatisfied with the service of your current Lender, so you would like to have your mortgage with another one.
Refinance is the changes you can make in the terms of your current mortgage. Whether you want lower payments by stretching the amortization or to increase the mortgage amount.
Second Mortgage
A second mortgage is an additional loan taken out by the borrower secured by real estate.
Why Consider Taking Out a Second Mortgage?
- A second mortgage is generally a less expensive method in which to finance debt.
- With the loan being secured by real estate, the interest rate is generally lower than those charged through personal unsecured loans or credit cards.
- As well, with payments being interest only or amortized over a longer period of time the monthly payments may be lower. This would increase monthly cash flow.
Turned Down?
Not all lenders are created equal. Some have more flexible criteria, which may result in an approval of your application or for the mortgage amount that you want. With the large number of mortgage lenders operating in the Canadian marketplace today, the competition is not always only on rate. Many also offer more relaxed guidelines for approval in order to stay competitive. Whether it is a more relaxed outlook on your past credit history or an allowance for a higher debt service ratio, their less stringent criteria may make the difference in an approval or decline, or for a higher mortgage amount.
Connect with me today and let's make your Real Estate goals come true!
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