Mortgage Renewal/ Transfer: So your mortgage is coming for renewal, now what do you do? Please don’t tell me you take the first offer your bank gives you! Unless you are dealing with a broker channel lender and sometimes even then, you will be paying a higher rate on the renewal then if you just called us. For the mortgage renewal or transfer process, the steps are relatively simple and could save you thousands by calling us. We can even cover your legal and appraisal costs which save you another $1,000. 

In the loop: Are you feeling out of the loop with real estate news? Sign up for my monthly newsletter and get in the loop. This entertaining piece of wonderful literature keep me on the radar and you up to date with what’s shakin in the land of real estate.

NOA: An NOA (notice of assessment) is a blue document the government provides you once you complete your taxes. This document states how much you made the previous year after deductions, etc. If you are looking to make a real estate transaction and refinance your home, this is a document you are going to want available. If lost it could take weeks before the government sends you a new one.

Are you still renting: Many people don’t realize that owning your own home really isn’t that difficult. First off, I suggest attending one of my first home information seminars. Check out details at www.firsthomeinfo.ca and book a seminar today!

Good debt vs. Bad debt: Good debt is tax deductible and bad debt isn’t. Did you know that you can write off the interest on your mortgage if properly structured? If you take out a mortgage for a business transaction, it becomes tax deductible. Purchasing a rental property is considered a business transaction.

Refinancing: Is your current interest rate 5 % (percent) or higher? If so, it might be a good idea to chat with our team today. Did you know that we can even add any penalty or expenses onto the mortgage while still covering your lawyer and appraisal costs? We can also consolidate other higher-interest debt and save you thousands in interest expense. Refinancing is simply a numbers game, sometimes it works and sometimes is doesn’t.

Self employed: Are you self employed and curious how this effects your ability to obtain a mortgage? There are many tricks as a mortgage broker that allows us the opportunity to assist you. In many cases your income on paper is far less then actuality. We have programs for just this circumstance called Stated Income.

After working with AM730 for some time, I had enough time to see whether or not it was working for me or not. The first six months didn’t generate much business but it seems to be working out very well these days. Click below to listen to the testimonial.

Are you concerned with losing your job or receiving a decrease in your income during the recession. Perhaps you should consider refinancing your mortgage to lower your monthly payment or/ and consolidate some debt.

A common question I hear is should I go to a broker or a bank? A bank will restrict you to the limited options they have available. There’s a good chance they will try to sell you a posted rate and good luck reaching them after hours on the weekend…. Remember, OWN YOUR LIFE!

Being properly qualified is the key to a stress-free purchase when it comes to real estate. Filling out a mortgage application is one thing but having your broker review your documents and thoroughly verify everything is important. I suggest attending one of my first home buyer seminars to learn when you need to know. Just a one hour seminar could change your life. Remember, OWN YOUR LIFE!

Here’s Mortgage Secrets with your AM730 mortgage expert, Jessi Johnson. Refinancing your current mortgage to a lower rate can save you thousands even when faced with a 3 month interest penalty or IRD.

Here’s Mortgage Secrets with your AM730 mortgage expert, Jessi Johnson. Refinancing your current mortgage to a lower rate can save you thousands even when faced with a 3 month interest penalty or IRD.

Here’s Mortgage Secrets with your AM730 mortgage expert, Jessi Johnson. Using a biweekly mortgage payment can save you thousands in interest costs and deduct years off your mortgage.

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