Skip to main content

More than just mortgages

Image
By
As a Mortgage Broker, I am always looking for ways to help my clients further to arranging their financing. I have access to several great products that I will highlight below:

  • Grouplend: My favourite product for loans. They have almost instant approval and they typically fund the loan within 24 hours. They do a "soft pull" so you can apply online to get a quote and it doesn't affect your score! Check it out here: http://grw.tech/bcloans
  • Home Trust Secured Visa: When re-establishing credit, it can be challenging to find a bank who will give even a secured credit card. They've told us that the only applicants who will not qualify are those who are currently in a bankruptcy. I've seen many clients get approved for this card, even when their banks say no! Contact me for an application.
  • DLC Visa: We have a credit card to suit every need: student, no-fee, low-rate, travel, rewards, etc with a very simple approval process. Contact me for an application.
  • CFF unsecured lines of credit or secured credit cards
  • Insureline house insurance: Just as Mortgage Brokers shop the market to get you the best rate, Insureline shops around to get the best deal on home insurance for you. Contact me for an application
  • MPP through Manulife: Creditor insurance can protect your mortgage should you need this type of coverage. Contact me for details.
As always, if you have any mortgage related questions at all - I'm always happy to help!

www.christinebuemann.com

Labels:
Location: 1338 Central St E, Prince George, BC V2M 3C1, Canada

Comments

Post a Comment

Popular posts from this blog

What is compounding interest?

By
Compounding interest is when interest is charged on top of itself . For example, most mortgages are compounded semi-annually. That means that every 6 months, interest is calculated at the current balance AND accrued interest to that point. Interest only mortgages are typically compounded monthly however some lenders have started compounding their standard (often variable rate) mortgages this way as well.  The more frequently interest is compounded, the more interest you will pay in the long run.   It is important to know the fine details of your mortgage so be sure to consult a Mortgage Broker for impartial advice! www.christinebuemann.ca 
1 comment
Read more

Who is Computershare and why are they registered on title?

By
If you are using a non-bank lender for your mortgage, you may notice that your mortgage has been registered in the name of “Computershare Trust Company of Canada”. This registration does not affect the terms and conditions of your mortgage in any way. Computershare holds no beneficial interest or rights to the mortgage loan. This is merely a third party, custodial arrangement which means that your lender has used Computershare to review the mortgage and provide custodial certification to Canada Mortgage and Housing Corp (CMHC) for their government securities program. Computershare is the largest provider globally of many of the services they offer and the largest corporate trust service provider in Canada. They have successfully provided this custodial service to many Canadian bank and non-bank lenders for many years and they play a very important role in the Government of Canada’s NHA Mortgage-Backed Securities Program. Computershare has served as the exclusive Central Payor and Tr...
28 comments
Read more

When is an appraisal required?

By
In mortgage financing, appraisals are required to confirm the value as well as the condition of a property. Here are the most common scenarios where they could be required: Private sales Unique properties (log homes, mobile homes ext) Non-arms length transactions (ex between family members) Acreages and/or rural properties (or properties with large outbuildings or animals) Properties where there could be structural issues (ex MLS listings referring to "handyman special" ext") Refinances or renewals Conventional mortgages (or for those putting 20% or more down) Rental properties New construction  Some lenders will rebate the cost however you should budget to have the funds available. Most banks who "cover" the cost, simply charge it back to you at closing. As the mortgage lending landscape tightens, we have been seeing more requirements for appraisals so it is best to be prepared in case one is required. www.christinebuemann.ca
15 comments
Read more