Mortgage Services
Purchases
Found the perfect house but need mortgage financing? Let Joanne help you finance the purchase of your new home with the lender that is best suited to your needs and at the best discounted mortgage rates.
Equity Take-Outs
Take equity out of your home for debt consolidation, vacations, and investments. Call Joanne today to find out how.
Poor/Slow Credit Issues
If you have been late in making payments or had other situations which impaired your credit rating, Joanne may be able to assist you to renew your existing mortgage or locate a lender to mortgage your home purchase. Thereafter, Joanne will provide you with free advice regarding how to repair your credit record. This will allow you will be in a much better bargaining position when it comes time to renew your mortgage.
First Time Home Buyers
Thinking about purchasing your first home . . . how exciting! Learning about the various options available to you and determining those which are most beneficial to you is the first step toward being a smart home-owner. You can even be pre-approved for your mortgage financing first. There is no obligation or commitment on your part. By dealing with Joanne, she can eliminate the worry and stress in your financial picture.
Renewals
Your existing mortgage is just about at the end of its term. Call your bank and find out what rate they can offer you now. Then call Joanne. Through Dominion Lending Centres Commercial Capital Inc. she has access to lenders nationwide that bid for your business. This time, YOU have the upper hand.
Debt Consolidations
Have you had a financial crisis or other event in your life that caused you to become bogged down by debt? If your high interest debts are making the monthly payment load too hard to handle, call Joanne and she will see what she can do to improve your situation.
Self Employed
If you are self employed and find that you are not able to obtain the mortgage financing you require with your bank, call Joanne. With access to a number of lenders that “think outside the box”, Joanne will find the lender who will understand your financial situation when your line 150 is holding you back.
Second Mortgages
If you are presently locked into a long-term mortgage, Joanne has access to in-house funds on the basis of your home equity. These funds can be structured so that repayment co-exists with your first mortgage.
Commercial Mortgages
In addition to residential financing, Joanne provides commercial mortgage financing for a wide range of products for both conventional loans and those insured by Canada Mortgage and Housing Corporation. Wanting to negotiate a long-term mortgage for an apartment building, shopping centre, office building or industrial property? Call Joanne today and she will find you the most economical long-term financing in the marketplace.
Reverse Mortgages
If you are over 60 years of age and own your own home, let Joanne help you borrow up to 40% of the value of your home to generate more income, preserve your investment assets and enhance your lifestyle. With a reverse mortgage, you are not obligated to make any payments during the entire term of your mortgage, you retain 100% ownership of your home and you will never be asked to move or sell to repay the mortgage. Furthermore, the funds you receive are not taxed as income – you get the full benefit of the money you borrow. Processing is simple and completed in just a couple of weeks time from start to finish. Let Joanne help you enjoy your retirement. Please visit Reverse Mortgages for Seniors for more information.
Green Home Mortgages
If your wish to purchase or build an energy efficient home or make energy efficient improvements, mortgage financing can be obtained more cheaply than ever before. With mortgage insurance in place for your environmentally friendly home, you can qualify for a mortgage based on reduced heating costs thus allowing for a larger mortgage to be serviced, obtain discounts on your insurance premiums and extend your amortization without the standard premium surcharge. Call Joanne today to find out how she can help you afford the home of your dreams while you live in a home that is helping the environment – a win/win situation for all.