With access to over 57 lenders, I have many products available to help you with whatever your mortgage needs may be. Whether you are a first-time home buyer, you're refinancing or just need a Home Equity Line of Credit, I can help you make sure you are receiving the best product, rate, and terms for your needs.
Whether you are purchasing your first home, a 2nd property for a child going off to school, a cottage, or buying an investment property, it's incredibly important to know what your maximum purchase price is before looking at properties. Book a call to discuss your options!
A few months before your mortgage term reaches maturity, your lender will send you a letter making an offer for a new term. It is highly advised you speak with a mortgage advisor (such as myself) that can help you determine if the offer by your current lender is the best option for you or if it makes sense to switch to a different lender.
Home Equity Lines of Credit or HELOCs are an excellent way to have revolving access to lower-interest credit secured by your home.
Refinancing means you are changing the terms set out in your mortgage agreement. Usually, homeowners would do this to change their amortization, get a lower interest rate, or access their equity for any number of reasons. When refinancing it's a great idea to look at your budget as a whole to see where there are opportunities to maximize the positive impact a refinance will have on your monthly expenses.
If you have an excellent first mortgage but need access to your equity, this option might be best for you. Your equity can be used for things like tax arrears, renovations, debt consolidation, etc. 2nd Mortgages come with higher interest rates, lender fees, and broker fees. So it's very important to analyze all of these details to determine if this is the right fit for you.
If you are over age 55, and need access to additional funds but have a limited budget monthly, a reverse mortgage may be a great option for you to access your equity without a monthly payment.
Reverse mortgages accumulate interest over time and must be paid out within 25 years, if the property is sold or if the last remaining owner becomes deceased. It is important to review all available options to decide if this is the right choice for you.
What Our Clients Say
Pamela Vandenberg, Real Estate Broker
"As a real estate broker, my clients will often ask me to provide advice and recommendations for other professionals associated with the real estate industry. I had the pleasure of working with Melissa recently for the first time, and I can confidently say that I wouldn't hesitate to recommend her services to anyone seeking a Mortgage Agent. From the moment we began working together for our mutual buyer client, Melissa was incredibly professional, knowledgeable and always made sure she kept me up to date during every phase of the mortgage process. She would respond almost immediately to my emails and texts no matter how late or early in the day. Her attention to detail was fantastic and I was totally confident in her ability to meet my buyers needs. I cannot say enough about her incredible customer service and I'm looking forward to working with Melissa again soon! Thanks for everything Melissa!!"