Mortgages First Time Buyers For most people, a mortgage is the largest financial commitment they’ll ever make. That’s why it pays to have a trusted professional working with you, assessing your needs and your options. With so many mortgages to choose from, Residence Financial Inc. can find one that’s perfect for you. When buying your first home, you want the lowest rate, but you also want to know that you have all the information you need to make the right decisions. We will be happy to walk you through the entire process of completing your first home purchase from getting a pre-approval to meeting your lawyer. We will answer all your mortgage questions to help put your mind at ease. Refinancing & Debt Consolidation Your home offers much more than just a roof over your head. The equity of your home can be a natural source of borrowing power to help you consolidate your high interest credit card debts, credit lines, and even car loans. What ever you're planning the equity in your home can be just the tool to make it happen. Do you feel overwhelmed by too many bills? Are you spending out of your limits? Are creditors calling the house? By consolidating all your high interest credit cards, mortgages, and loans you can lower your monthly payments by 25%-50%. At Residence Finacial Inc. we can help pay off all your bills and start improving your credit. Self-Employed Are you self-employed? No Problem! With the growing population of self-employed individuals banks are making it tough for them to obtain mortgages. Statistics show that 20% of all income earners in Canada are now self-employed (business-for-self). This is a large and growing demographic, which brings up the question, “why is it so difficult to get a mortgage through a chartered bank if you’re self employed? Mortgage Renewals and Transfers Is your mortgage coming up for renewal? Don't be too quick in just signing the form and sending it back to the lender. Over 70% of mortgage holders do just that, and what is the usual result — a higher rate and a mortgage product that might not be best suited to their interests. Let Residence Financial Inc. find you the best possible rate and product to suit your interests. Most lenders now offer "no cost or low cost transfers" and it's a smart way to reduce your interest costs. We take care of all the details for you and help you find a new lender who will give you very competitive rates. No Money Down Mortgage Commercial Mortgages Residence financial Inc. provides customized financing solutions for commercial investors across the country. Whether you need to refinance an existing commercial property or you need acquisition financing - we can help you structure the loan that meets your needs.
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