Ronald Ephard British Columbia Mortgage Professional
310-130 Brew Street V3H 0E3 Port Moody, BC, Canada

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.

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.

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.

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.

Use All Your Strength Just before dusk on the last night of an end-of-summer camping trip, a young boy and his father were walking through the woods. They walke...d and talked together for some time until they came across a fallen tree branch on the ground in front of them. The boy cheerfully ran ahead and called back to his dad, "Do you think I could move that branch?' His father replied, "l know you can, if you use all your strength.'" The boy grabbed the branch and struggled with trying to lift or push It in any direction, but the branch was heavy and long. The boy paused, then pushed one last time as hard as he could before he slumped over He let out a deep Sigh and said, "You were wrong. Dad, I'm just not strong enough to move it' "Try again," replied his father. Again, the boy tried hard to move the branch. No matter how much he struggled, It did not budge. "Dad, I cannot do it,' said the frustrated boy Finally, his father got down close to him and gently said, "Son. I advised you to use all your strength. You didn't. You didn't ask for my help "

Using a mortgage broker gives you access to lending options you can’t get on your own. At Mortgage Alliance we deal with many lenders, from major banks to private lending. More choices with one simple call. Contact me for a free consultation.

Are you getting ready to buy your first home or move to your next home? The #1 thing you can do is get advice early. Talking with a mortgage professional like myself will help you understand: What you can afford The downpayment you need Costs involved with buying a home... Improving your credit Prepayment options Refinancing penalties (if you decide to do so down the road) Budgeting and more! Send me a message today and lets start the conversation.

Is it time to break your mortgage for a lower rate? For some the answer is easy, while for others in a fixed-rate mortgage it can become a difficult and complex question when facing prepayment penalties. What we know for sure is that rates are at record lows. If you are unsure of what’s best for you, reach out. Together we will run the numbers to see what makes sense for you.

If you currently own a home, now is the right time for a mortgage checkup to find out if you can save on interest costs and what steps you can take today to help you get closer to reaching your short- and long-term financial goals. Always remember that as a Mortgage Professional I’m here to offer you unbiased advice and answer any questions you might have. Please don’t hesitate to reach out.

Congratulations team! Mortgage Alliance is CMA’s Gold Winner of the National Broker Network of the Year award!! This award recognizes the most outstanding natio...nal broker network that has displayed excellence, commitment to brokers, agents and support staff and the mortgage industry over the past 12-18 months. Congratulations everyone! This is your accomplishment and a result of your hard work and dedication. #MortgageAwardsCA #MortgageAlliance #M3Group

Rates are low and can be locked in for 90 days. If you are thinking about buying a new home, contact me so you can be ready to make an offer.

With rates being low, and expected to stay for a while, now is a great time to unlock equity through refinancing or a home equity line of credit (HELOC). Refinancing allows you to access equity and possibly obtain a better interest term and rate. Where as a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money. If you are interested in exploring the possibilities available to you send me a message for a free consultation.