Edris Alef Mortgage Specialist

GET PRE-QUALIFIED IN UNDER 50 SEC Starting April 9th, consumers will be able to get pre-qualified on my app! NO OTHER APP IN CANADA CAN DO THIS. What you can do with my app:... -LIVE mortgage rates from any Province. -Calculate your total cost of owning a home. -Estimate the minimum down payment you need. -Estimate your Closing costs. -First Time Home Buyer rebate calculator. -Email Summary reports (PDF). -Available in English, French, Spanish, Hindi and Chinese! If you haven't already, click the link below to download My Mortgage Toolbox https://www.dlcapp.ca/app/edris-alef?lang=en

4 THINGS LENDERS WILL CHECK FOR IN YOUR CREDIT REPORT. Your credit report tells a detailed story about you. Potential lenders may accept or deny your request for a mortgage based on this information. Just like your resume, you’d want your credit report to be as strong as possible. ' :... 1 Payment History avoid late payments on bills and keep accounts out of collections. A few missed payments could result in a denial. 2 Debt to credit using a large amount of your available credit can hurt your chances of approval. 3 Diversification of Credit Lenders generally like to see a good mix of different credit types (ex. 3 credit cards from different institutes) 4 Length of track history if you haven’t already, make sure to plan and work on maintaining/achieving a track record of responsible credit use. If you’re thinking about purchasing a home in the next 6+ months, I highly recommend taking a look at your credit report (Equifax or Transunion) right now! and pin point where you can make these appropriate changes. Checking your credit report earlier also gives you time to dispute any information you believe is inaccurate or incomplete. Buying a home is one of the most stressful things you’ll do in life don’t enter into it lightly. Contact a Mortgage Broker today to find out how you can be .

9 times out of 10 consumers go to financial institutes because they don’t understand the capabilities of a Mortgage Broker. Let’s get to the basics: 1. Mortgage brokers have negotiating power to give you choice - gain access to competitive rates and an extensive range of products and services.... 2. Mortgage brokers save you time - With a knowledgeable broker, you won’t have to wade through complex information on your own. 3. Mortgage brokers handle the details Brokers navigates through the obstacles and manages every transaction with the real estate agent, lender, appraiser, credit agency, and lawyers. 4. Mortgage brokers help you avoid unnecessary risk Brokers will identify applicable penalties, fees and charges. Which in turn helps you make the most informed decision on your mortgage. Buying a home or refinancing your mortgage is an important decision. Do you know someone looking for a home? Get them to contact a Mortgage Broker today.

3 FACTS EVERY HOME BUYER SHOULD KNOW