Let's break it down, shall we?
Pre-approvals enable home buyers to get ahead of the game. Pre-approvals don’t only reduce stress for you as a home buyer – they also help your mortgage broker identify whether or not a home is going to suit your financial profile. When you acquire a pre-approval as a future home buyer, you’re putting a plan in place months in advance that will ease the process when it comes time to buy. Ultimately, Kevin is here to help you with the process so that you have all of the tools you need when house hunting.
Having the foresight to obtain a pre-approval in advance gives you the time you need to address factors on your application that might be time sensitive. For example, without a pre-approval, you might only have a 5-day condition-of-finance window to raise your credit or to speak with a family member for a co-applicant process. It’s best to have the discussion preceding a co-applicant process, so that you can obtain and compile any required documents that you may need. When going through these necessary steps in advance, you get a better idea of how your application will be reviewed by potential lenders. These lenders will underwrite your mortgage when the time comes, and acquiring a pre-approval gives you a higher likelihood of being approved when it comes time to buy.
Additional Mortgage Solutions
A Reverse Mortgage allows seniors to access their equity within the home, tax-free. Free up your cash flow and take advantage of the equity your home has accrued. You can qualify for up to 55% of the value of your home, and payments are never required. There are no income qualifications and credit is rarely a factor.
Refinancing is the reorganization of your debts. There are many innovative ways to manage your existing debts as a homeowner. Whether you’re looking to consolidate your debt, to renovate your home or to purchase another property, managing your existing debt is the way to move forward. The good news is that Kevin can help you develop an appropriate strategy.
Mortgage brokers don’t work for the bank, they work for you. Choosing the right lender and mortgage product can have a major impact on your financial future. It’s important to work with a broker who understands your unique needs and who will match you with the mortgage product and rate that best suits your financial situation.
When the maturity date of your existing mortgage approaches, it’s the perfect time to assess every available option before committing to a renewal. When you work with a mortgage broker at renewal time, they can show you the competitive financing options available to you from different lenders.
Kevin was so helpful, patient and professional. He answered all my questions. I am new to mortgages/mortgage renewal and Kevin made it easier to understand. He is easy to reach by email and phone, quick to respond; and kind, respectful and professional in all interactions. I would definitely recommend him for any mortgage needs.
We had a great experience with Kevin. He was helpful, informative and made a potentially stressful process far easier. Kevin’s insight and knowledge of the industry have benefited us and we will absolutely turn to him for any mortgage related assistance in the future.
Kevin has arranged mortgages for me on two different occasions. In both instances, after I had agreed to the terms, he came back with an even lower mortgage rate. Kevin has been on the ball, efficient, diligent. Not pushy, always there for me and always so friendly and helpful. For sure I will be going back to Kevin when I need to renew again.
As a first time home buyer; we could not have asked for anything more out of a mortgage broker. Kevin answered questions in such an understanding and patient way that we felt comfortable during the whole process. It really felt like Kevin was on our side the whole time. He was only an email or text away. Even when he is on vacation.
My wife and I opened a file with Kevin 2yrs ago when we began our journey and with Kevin’s advice and guidance we were able to take the necessary steps to get everything in order and purchase our first home! He is professional, effective, and efficient we always had his full attention and he answered all of our questions along the way.
It was a true pleasure working with Kevin. He went above and beyond in helping us buy our first home. He was always readily available for questions and found us a better deal than we though possible. I couldn’t recommend Kevin more to anyone who us looking to buy a home.
Kevin did an amazing job for us! He is very responsive to emails/texts/calls. He gave us great advice and always had our best interest at heart. We highly recommend him after using several other Mortgage Brokers in the past. Thanks Kevin!
Excellent! We were fast approaching our deadline to meet the financial portion of our real estate contract and hadn’t heard from our bank – We called Kevin and he got us a mortgage with a great rate! He worked very quickly and always kept us in the loop with follow-ups. Professional & friendly from start to finish.
Your Well Being is My Priority
As a Mortgage Broker in St. Catharines, I’ve helped countless residents achieve their financial goals. At the end of the day, the community in Niagara is important to me. If you have any questions about your current or next mortgage, an investment, or any private mortgage options, please be in touch for your free confidential consultation by phone, e-mail or in person.
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