Mortgage Alliance Esther Yelle

Just a reminder that I have access to unique products and services to help you achieve your home ownership goals and also assist you with your financial needs beyond just mortgages. Ask me for information on home and auto insurance as well as a unique cash back Mastercard.

One call can give you access to tons of lending options you can’t get on your own. From major banks to private lenders and credit unions, using a mortgage broker gives you access to all of them. Contact me for a free consultation.

A lot has gone on this year in the mortgage market. We have had everything from rate drops to deferrals to restrictions come at us and your personal situation may have changed. As the year comes to an end, if you have not made time for your annual mortgage check-up, now is the time! Send me a message and we can review your situation, free of charge, to ensure you are getting the mortgage that’s right for you.

High interest credit card debt can take years to pay off when making the minimum payment. Did you know that you can consolidate high interest debt into your mortgage by refinancing? A strategy like this can potentially free up hundreds of dollars a month depending on your situation. Send me a message to see if refinancing to pay off high interest debt is the right solution for you.

To best meet your needs, mortgage brokers like myself, have a wide array of products to choose from banks, private sources, independent lenders, etc. If you are in the mortgage market, we should talk. Whether you are looking to explore your options or get a second opinion, the lending options available could save you thousands!

If you are a homeowner and struggling with high-interest debt payments, we should talk. It may make sense for you to refinance and access the equity in your home to pay off your high-interest debt. Your mortgage is typically the lowest interest rate to borrow money. Refinancing to pay off high-interest debt and lumping everything into your mortgage payment could free up extra cash each month by saving you on interest. Send me a message and we can see what's available to you.

Regardless of your financial milestones it is important to know what makes up your score so you can keep it on track. Pay your bills on time, have a good mix of credit accounts, and keep a lower ratio of debt used to credit available. Click below for more details about factors that impact your credit score. https://www.consumer.equifax.ca//what-impacts-credit-sco/

Do you know the difference between using a broker vs the bank? A mortgage broker works for you. We have access to multiple lenders to find the product and rate that meets your needs. A mortgage specialist at the bank works for the bank. They have access to 1 lender and want to sell their product, not necessarily what is best for you. If you are getting ready to buy, renew or refinance your mortgage, send me a message, it might save you thousands in unnecessary interest.

Top 3 reasons homeowners choose to refinance: 1. Take advantage of a lower interest rate. 2. Consolidate high interest debt. 3. Fund home renovations.... If you interested in exploring your options send me a message. I'm here to help and my services are free.

3 Reasons you should use a mortgage broker vs going to your bank: 1.Better Rates Because lenders compete for our business, we get access to discounted rates based on volume and we pass these savings directly on to you. 2.Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you get access to dozens of lenders. 3.Our services are free we are compensated by the le...nder. If you have questions about your mortgage or home financing options send me a message, I'd be happy to chat.

Renewing your mortgage is your chance to renegotiate everything relating to your mortgage with no penalties! It is important to get in touch and start conversations early so there is time to review your financial goals and determine if it makes more sense to switch your mortgage for a lower rate or even refinance to consolidate debt.

Nearly 1 in 5 Canadians ages 18-34 say the pandemic has accelerated their plans to purchase a home or investment property. (According to a survey conducted by Scotiabank) If you are one of those Canadians who have turned their living room into an office or dining room into a classroom and are looking for more space, send me a message. Rates are at record lows and I can provide you with a free consultation so you can shop in confidence.

If you have a minimum of 20% equity in your home refinancing is a low-cost way to access needed money. Some homeowners are refinancing to pay off high interest debt and have one low monthly payment. While others are doing it to access funds for renovations since we are all spending more time at home. Whatever your need is, contact me for a free consultation.