Be PREPARED and save THOUSANDS on your upcoming mortgage renewal.
While most Canadians spend a lot of time and effort shopping for an initial mortgage, the same is generally not the case when looking at mortgage term renewals. By omitting proper consideration at the time of renewal, this practice costs Canadian citizens thousands of extra dollars every year. Nearly 60% of borrowers simply sign and send back their renewal, that is first offered to them by their lender, without ever shopping around for a more favorable interest rate.
Homeowners should never accept the first rate offer from their existing lender. Without any negotiation, simply signing up for the market rate on a renewal is costing you a lot of money on your mortgage.
Generally, it is a good idea to start shopping for a new term between four and six months before your current mortgage term expires. Many lenders send out your renewal letter very close to the time that your term expires, and this does not give you ample time to arrange for a mortgage term through a different lender. This means that you need to be tracking your own mortgage term timeframe and know when it is time to start shopping for a good mortgage renewal rate.
Before you ever hear from your lender about renewing your mortgage term, have a STAMP Mortgage Guide shop around, you will be amazed at what we can accomplish on your behalf! PS: Never accept a bank offer to meet them in person to discuss your renewal…this is the classic pressure sales tactic that STAMP Mortgage NO HUSTLE guarantee wants you to avoid.
Contact us today for a NO HASSLE, NO HUSTLE, NO STRESS mortgage consultation.
Life is full of unexpected curve balls but there are QUICK and EASY solutions for many.
Canadians today face many reasons to refinance their mortgage. For example, you may have been working at improving your credit score and now qualify for a new mortgage with a better discount, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed-rate. Refinancing is also a good option to pull out equity for consolidating debt, home improvements, investments, college expenses, and more.
Refinancing your home mortgage gives you the chance to lower your monthly payments, pay less interest or change your mortgage terms. Home loan refinancing is an opportunity by taking out a completely new loan, with a new term and interest rate, to situate your current mortgage into a much better position for the future.
The STAMP Mortgage NO STRESS process is easy to understand and has evolved over the last five years to leverage the latest technology to ensure a paperless, efficient, and NO HASSLE process to get the equity from your home into your hands.
Contact us today for a NO HASSLE, NO HUSTLE, NO STRESS mortgage consultation.
Be WISE in your decision, buying a HOME is often the largest purchase you will ever make.
Each mortgage application is different and must be tailored to your specific situation and requirements. Let a STAMP Mortgage Guide review the thousands of options and figure out the numbers so you can stay focused on what is important: finding the perfect home for you and your family within the price range you can comfortably afford. Once completing your fast-online mortgage quote and receiving your personal mortgage certificate, which provides your maximum mortgage limit and credit score, you and your real estate agent will know exactly what to shop for. Oh, and did we mention that this concierge service is entirely FREE to you.
The STAMP Mortgage NO STRESS process will ensure you are well educated along each step of the way and have a full understanding of the what, why, and when of your mortgage approval requirements.
Contact us today for a NO HASSLE, NO HUSTLE, NO STRESS mortgage consultation.
More Canadians than ever before are spending QUALITY time in their VACATION property.
You have reached a point in your life where you want a recreational property and you can afford the payments. Until now, mortgages for vacation properties just were not easily available in Canada. Now, for the first time, fast and easy recreational property mortgages with as little as 5% down are available.
Build your net worth with a beautiful asset while providing you and your family the perfect spot to unwind and recharge your batteries. Chalets, cottages, and other vacation properties are providing family memories for many average Canadians, who are taking advantage of low rates and innovative new mortgage products that put these getaway homes within reach!
Contact us today for a NO HASSLE, NO HUSTLE, NO STRESS mortgage consultation.
Not everyone makes their INCOME the same, so we have mortgage OPTIONS outside the box.
Over the years, STAMP Mortgage Guides have helped MANY frustrated business-for-self clients overcome the obstacle of being able to afford monthly mortgage payments but not being approved the mortgage due to a lack of required income on paper. We understand the difference between your Tax Return income and your ACTUAL income.
Many excellent mortgage programs are specifically available for self-employed and commissioned individuals, that allow for financing based on the applicants declared income. These programs recognize that the self-employed income reported on the tax return may not always be true reflection of personal income due to the many deductions that are available to a self-employed individual.
For clients with an established business, with good credit, financing up to 90% of the purchase price is available based on declared income. Options available for purchase at or under 75% continue to remain plentiful, and the expertise of STAMP Mortgage Guides should certainly obtain the best possible terms.
Contact us today for a NO HASSLE, NO HUSTLE, NO STRESS mortgage consultation.
Real Estate is one of the most attractive INVESTMENT categories in Canada for the past decade.
STAMP Mortgage can help take advantage of real estate opportunities and unique mortgage options if you are looking to seriously build your portfolio. With our incredible referral partnerships, we can introduce you to the very best realtor in your area so we can all work closely together to find the best options available.
Contact us today for a NO HASSLE, NO HUSTLE, NO STRESS mortgage consultation.