Mortgage Broker Cambridge
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Mortgage Broker Cambridge
The bank told you no
In Canada, banks have a lot of restrictions on who they can lend to for residential property buyers. As a result, many borrowers simply do not qualify or they may be told they have to purchase mortgage default insurance. That raises your price and makes it harder for you to get the best rates out there. A private lender may be able to offer solutions to you because they do not have to abide by the same regulations.
You want to consider debt consolidation
If you are considering buying a home but have a lot of credit card or other debt, it may be possible to obtain a loan that can wrap up all of that existing debt. When it comes to mortgage loan refinancing, this is one of the best reasons to do so. That way, debt consolidation can help you to pay off your debt faster and often for less money than what you are paying now. A private lender can help you to refinance in many situations. Refinancing may help you achieve your financial goals but you need the best rates and an exceptional lender to make that possible.
You want to use money in your home
Does your home have equity? If so, you have a powerful asset available to help you with many needs. The equity in your home can serve as a tool to help you with debt consolidation, home improvements, a second home purchase, and much more. While this may be the case, it can be hard to get a home equity loan from some lenders. Some lenders may be concerned about these types of investments because they increase the amount of money you have tied up in your loan. However, you can access equity with many private lenders, and they can offer you the loan terms you need to feel comfortable about your buying.
You are a first time home buyer
First time home buyers often have trouble navigating the options in mortgage loans as the approval process can be challenging. However, with the help of a mortgage broker, you can learn more about the options available to you and ensure you get into a loan that works for your lifestyle. Some first time home buyers are often unproven and some lenders may not offer a loan to them. That is especially true if you do not have a good credit score just yet. However, other lenders can help you to find mortgages that fit your goals and keep your costs down.You’re self employed
You want to purchase a home and get the best rates. You have a decent level of credit history and the income to make sure you make payments on time. Yet, you are self employed and your income isn’t easy to prove. In this situation, it may be important for you to seek out a lender that can work with you and offer a loan that offers better rates. Private lenders are often able to provide you with more access to the funds you need even if other lenders have turned you down due to strict rules or limitations. Why do you want to buy a home? What is frustrating you? If you want the best mortgage rates and excellent mortgage terms, turn to a mortgage broker for help. When you do, you are sure to find more opportunities. WE care about our clients, and we work to save time, save money, and create opportunities for buying a home they love.Mortgage Broker Cambridge
Making the decision to buy a home is one of the biggest and most important you will make in your lifetime. That is why it is important to be sure you are getting the home of your dreams at the right price. Don’t overlook the importance of an affordable loan that fits your unique financial situation. With the help of our mortgage brokers, we can guide you in selecting a home loan that solves your biggest worry and helps you to buy the home you are looking for at a competitive price. The mortgage industry is complex. In Canada, you have many options in mortgage loans, but that does not mean every one of them is the right choice for you. Let a mortgage broker help you. We can help connect you with even the hard-to-find lenders that offer private mortgages, b lender mortgages, and even options for those who are self employed.
Why Choose Us as Your Cambridge Mortgage Brokers?
You have a lot of lenders that want to work with you. Why should you allow our Cambridge mortgage brokers to help you? There are a lot of reasons to do so.
We offer the loans you want
Do you want equity care mortgages? Are you looking to refinance a loan? Perhaps you have a loan to value ratio that other lenders are unwilling to work with. We have clients hoping to buy a property and need more flexibility in their lending options. We work with them, and that means we help to give you access to the loans and terms best suited for your individual needs.
We help you find the lowest rate
Now one wants to overpay for a mortgage deal. We do not have to follow the same rules as other banks. That means we can help you to find the lowest rate on the loan that is available to you. Some clients will pay more including those with a lower credit score or a borrower with a very low down payment. Yet, we will work the mortgage market to help you get the best loan terms .possible regardless of your options.
We have the knowledge you need
Whether you hope to buy real estate in Toronto, Cambridge, Ontario, or another area, we can help you. With years of knowledge and insight into the market, we are confident we can help our clients to get the support they need throughout this process. We know how important it is to get the best finance opportunity available to you at an interest rate that fits your budget. We will share our knowledge and advice with you so that you can make the best decisions about how to spend your money.
Comprehensive customer service
Our brokers treat you with respect and work closely to ensure you get the type and level of service you need. We know the Cambridge market, and we are passionate about helping you to navigate it. Yet the whole time, we treat our Cambridge clients with the utmost care and support. We want you to love the home you buy and be sure that you are happy with the loan you get, too. Our borrowers are everything to us.
We can help you through the tough situations
Credit, loan to value ratio, second mortgages, and many other factors typically make it hard for today’s consumers to get the loan they need. We work closely with our Cambridge borrowers to ensure you get the lowest rate possible, even when facing challenges in the process. Our relationships with private lenders make that possible for you.
Mortgage Rates Promo
Fixed
| Mortgage Type | Rate | Terms |
|---|---|---|
|
Insurable 75%-80%
|
4.04% |
1 Year |
|
Uninsurable Refinance |
4.49% |
1 Year |
|
Insured |
4.54% |
3 Years |
|
Insurable 65%-70% |
4.74% |
5 Years |
Variable
| Mortgage Type | Rate | Terms |
|---|---|---|
|
Insured |
3.75% |
5 Years |
|
Uninsurable Refinance |
4.20% |
5 Years |
|
Insurable 75%-80% |
4.10% |
5 Years |
|
Insurable < 65% |
3.65% |
5 Years |
Why You May Benefit from Mortgage Brokers in Cambridge
The mortgage industry is challenging for many of today’s home buyers. Laws that are very strict may make it hard for some otherwise qualified buyers to find a mortgage loan that can work to meet their individual needs. You want to buy property, and you have the income to do so. Yet, you do not have a lender that wants to help you. We can help you to overcome those challenges. We work with private lenders and other lenders who offer exceptional solutions to some of the most challenging situations. Consider some of the reasons why you may want to work with a mortgage broker to help you find a mortgage loan.
Get Professional Mortgage Advice & Save Thousands
With The Lowest Rates AND a Best Mortgage Fit.
How to Work with a Cambridge Mortgage Broker
Now that you have a Cambridge mortgage broker, you can begin the process of buying a home. Our team will help you determine what type of loan is best for your situation. As mortgage brokers, we work for you. That means we will consider all factors, including property equity, mortgage rates, your budget, the property you hope to buy, and the type of Cambridge loans you may qualify for. You will need to provide us with some information like any other bank. Then, we will compare various options to help you determine the options that fit your situation. We will need to gather some information to help you, including the following.
Debts and income
To determine what you can afford, your Cambridge mortgage broker needs to know your current
finances. To do that, we look at factors such as your income, expenses, and the available money
that could go towards paying for loans. The mortgage brokers in Cambridge will then guide you
in comparing several loans that could fit your goals.
Compare lenders with your Cambridge mortgage broker
Then, we will work with you to compare lenders. Often, that means turning to private mortgage lenders. Your Cambridge mortgage broker may recommend private lender loans if you have bad credit, low property equity, are self employed, or for other reasons. This allows us to give you more options than a traditional bank will provide.
Work through the approval process
Your Cambridge mortgage broker is there for you throughout the approval process. We can help answer any questions you have while navigating and negotiating the best mortgage rates for your needs. That often means helping you determine which private lenders will offer you the low interest rate you need. Once you decide, you can count on your Cambridge mortgage broker to help you complete the transaction. Remember, we will go through all of the loan terms with you including:- Interest rate
- The amount you can borrow to buy property
- Your down payment requirements
- Your monthly payment
What Is a Mortgage Broker?
Are you thinking about hiring a mortgage broker in Cambridge to help you? If so, we can help you. You may not know what makes a mortgage broker different or special. A mortgage broker is a professional with ample insight into the industry. We understand the mortgage services in Canada and we have a wide range of experience in helping people to save thousands of dollars on their mortgage loans. Best of all, we provide access to residential and commercial mortgages that help make people’s dreams come true. There are a few things to remember. We do not charge you anything. You do not pay extra costs for our services. We also do not work for a single mortgage company or lender. Rather, a Cambridge mortgage broker is a professional that is working directly for you instead. As a result, we work hard to help you find the best loan for your needs no matter if you are a first time buyer, looking for a home equity line, or you need commercial mortgages to help you start your business. One of the most important things to know about mortgage brokers is that we can provide you with access to more lenders, including private lenders who do not typically work directly with home buyers. Unlike the big banks, these lenders, our clients, are committed to helping people get into the loans that are available to them faster and with better qualifications. If you want to consider your options in private mortgage lenders, put your trust in mortgage brokers like us. There’s no risk to working with us and there are lots of benefits to doing so. We are committed to helping you.
