Fort McMurray Mortgage Specialist
Get the Best Fort McMurray Mortgage Rate!
Are you buying a new house in Fort McMurray or refinancing your mortgage? If so I will shop to get you the best rates. Living 32 years in Fort McMurray has given me a great deal of knowledge and understanding of the Fort McMurray Real Estate Market. I have seen Fort McMurray grow substantially and watched the market follow.
In fact Canada’s mortgage market has grown and changed significantly and continues to do so which results in constant change in mortgage requirements and the options available. Mortgage lenders throughout Canada have many different specialized mortgage products to fit different client’s needs.
I can work on your mortgage in any province. However as a Fort McMurray Mortgage Broker I understand how those products apply in our unique market. Fort McMurray has a lot of employers who assist in housing with the down payment, as your Fort McMurray Mortgage Brokers we understand these programs and the lenders we use support them.
As a Mortgage Specialist, I understand each mortgage is unique and will keep on top of all the changes to ensure I find a mortgage that fits your needs. If you have any questions feel free to contact me and I will be happy to answer them. I look forward to speaking with you about your existing or future mortgage needs.
Term at an end? Don’t just sign your bank’s first offer, let us help you get the best rate in Fort McMurray!
Refinances Debt-Consolidations, Renovations, Money for Investments…
We’ll get you the money you need at the rate you want!
First Time Buyer?
Buying a Home in McMurray? Get a fast Pre-Approval, Lock in a Low Rate and Shop with Confidence! We are Fort McMurray mortgage experts.
Frequently Asked Questions
What is a mortgage agent?
Do you deal with lenders that do Suncor and other Employer Housing Programs?
Can I use overtime to qualify?
Are there 0 % down Mortgages?
First time home buyer?
This is not my first home, how much down payment will I need?
I have a house and want to turn it into a rental, what are my options?
If I want to buy a rental what should I know?
I want to buy a second home?
You may want to buy a vacation home and you can with 10% down. You may want to purchase another house for a family member and can with 5% down as long as they occupy the residence as a primary residence.
Why is getting a pre-approved mortgage so important?
1. It is important to know what purchase price you are qualified for before you go shopping for a home so that you are shopping in the right price range.
2. You need to ensure that you can comfortably afford not only your mortgage payments but all of the other costs of owning a home such as property taxes and utility bills. If you have not owned a home before, these amounts may be a bit surprising. Your mortgage professional will help you take a look at the entire picture.
3. You need to ensure that you will qualify for a mortgage based on the lenders criteria. If there are issues, it is better to discover them at pre-approval stage so that you and your mortgage professional can work on fixing those issues prior to your search for a home. If you are not able to qualify for a mortgage at this time, we can assist you in taking the steps necessary to qualify for a mortgage in the future.
Once I am pre-approved for a mortgage, I will have no problem obtaining a mortgage, right?
What happens when I find a home?
Once you have removed all of your other conditions, such as “subject to home inspection”, then you have purchased your home! Your next step will be to go to your lawyers to sign the legal paperwork required in order to complete your purchase. You should expect to go to the lawyers approximately 10 days prior to the possession date. When you go to your lawyers, you will be expected to bring the remaining down-payment and closing costs. These funds must be in the form of a certified cheque or draft. Once you have completed the paperwork at the lawyers, you will then wait to take possession of your home on the possession date negotiated.