Team BOBCAT Mortgages

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Canada
Brampton, ON
Team BOBCAT Mortgages

Team BobCat Mortgages is premier mortgage solutions provider that specialises in first-hime home buyers and refinance mortgages.

We're located in Greater Toronto Area and have been offering our services for almost a decade!

01/21/2022

❓Short answer? Yes.

❓Long answer? All applications made within a fixed period are considered as a single credit check. The period could vary from 15-45 days depending on the credit model used for your application.

❓So, can you rate shop? Yes, you can rate shop within the window. You'll have to ask the bank. However, every time you make an application, it can have some affect. A hard check stays on your credit score for 2 years.

❓What's the alternative? Work with mortgage agents like Team BobCat Mortgages. We can get you pre-approved for mortgage through multiple lenders at the same time to minimise the damage to your credit score.

Visit our website to learn more.

🌐 teambobcat.ca

01/17/2022

Navigating your way to becoming a homeowner has multiple steps, which can be overwhelming, especially if you're a first-time home buyer.

Dividing the process into smaller steps makes it easier to understand.

The very first and the most important one is - ✅ GETTING PRE-APPROVED for MORTGAGE. ✅

Other than knowing how much amount you qualify for and showing sellers that you're a qualified buyer, getting pre-approved will also reveal the "hidden costs" that any first-time home buyer might be unaware of.

Team BobCat Mortgages is a women-owned, women-led mortgage agency with access to over 50 lenders across Canada. Send us an email to book a no-obligation consultation session with us. 🤗

✉️ [email protected]
🌐 teambobcat.ca

01/14/2022

Buying a house means you'll have an endless list of expenses including Legal expenses, inspection fees, and land transfer taxes, and closing costs. 💰💰💰💰

As a first-time home buyer, all these expenses can be overwhelming and make home ownership less achievable. The government of Canada has introduced many programs to help first-time home buyers and one of them is the First-Time Home Buyers' Tax Credit.

To be eligible for this program:

✅ you or your partner are purchasing your first-time home and haven't legally owned a home in the last four years
✅ the home your buy should become your principal residence within one year of purchase or construction.

Would you like to know more about the several programs offered for first-time home buyers? Send us a DM to chat with us! 💬

01/11/2022

Buying a house in a competitive market like Ontario means you'll have to save a substantial amount of money for a downpayment. 📈🏡

So many factors play a role in how quickly you can save the amount. But the most important one is - SELF DISCIPLINE.

Make a detailed plan on how you're going to save and stick to it. You will have to compromise on some lifestyle choices but remember it is only temporary.

Team BobCat Mortgages is here to guide you to mortgage pre-approval. 🤗

Send us an email at [email protected]

01/07/2022

One of the biggest advantages of working with a mortgage agent is that they make sure your demands are met. ✅

They can help you find a mortgage solution that has a more flexible payment schedule or better prepayment options.

Team BobCat Mortgages works with lenders that exclusively deal with mortgage agents and brokers. No matter how complex your situation is, we'll find a solution for you.

Contact us today for more information.
📩 [email protected]

01/05/2022

There are times in your life when you need extra money. It could be for your child's university education, renovating your house, or paying off medical bills.

If you're a homeowner, you can get a second mortgage instead of taking a personal loan or using up your credit card balance.

So what is second mortgage? 🧐

You have a house that you've been paying mortgage for. Over the years, you've built home equity, which is the principal amount you've paid towards your property. (through mortgage)

Your lender allows you to cash your home equity.

To be eligible for second mortgage, you need to have
✅ credit score of 620 or higher
✅ 15-20% home equity in your property
✅ proof of on-time mortgage payments
✅ strong income history

For more information, visit our website - teambobcat.ca

12/31/2021

Happy New Year! Let's toast to yesterday's achievements and tomorrow's bright future. 🥂

Love,
Team BobCat Mortgages

12/29/2021

As a homebuyer, you don't want to waste your time getting rejected for a mortgage. 🧐

The Canadian real estate market is booming and highly competitive. By simply avoiding these mistakes you can significantly improve your chances of mortgage approval.

Here are 5 more things you shouldn't do before applying for a mortgage:

❌ Don't wait to save 20% down payment. If you're a first-time home buyer, you can pay as little as 5% downpayment.

❌ Don't purchase a car

❌ Don't increase your credit card balance until the buying process is over

❌ Do not close any active credit card accounts.

❌ Do not apply for any open line credit accounts

Hi! We're Team BobCat Mortgages, a women-owned, women-led mortgage agency that specialises in first-time home buyers mortgage.

Email us at [email protected] for a free consultation today!

12/26/2021

At Team BobCat Mortgages we care about you. 🤗

We are always here to answer your questions and help gain your financial independence through homeownership.

DM us to book a no-obligation consultation with us, either virtually or in-person.

12/25/2021

May this Christmas season fill your home with happiness, joy, and laughter! 🎄

12/20/2021

We've all been hearing every day that property prices and mortgage rates continue to rise. 📈

As a potential home buyer in Canada, you want to secure a property at the lowest mortgage rate possible. And that's we recommend you to get pre-approved. ✅ 🏠

You can lock the low interest rate provided by one of our mortgage lenders for up to 120 days. It puts your mind at ease when house shopping.

Team BobCat Mortgages is a women-led, women-owned mortgage agency that specialises in providing first-time home buyers with mortgage solutions that helps them build home equity.

For more information, please email us at [email protected]
🌐 www.teambobcat.ca

12/17/2021

Did you know you can use funds from your parents or siblings towards your down payment? 🎁

But there's more than just transferring money from their account to yours. Any mortgage lenders will ask you for two documents to verify the gifted funds.

1. Donor letter
We can give you access to a pre-made template that you can fill details into. You'll need the donor's signature and must clearly mention that it's a gift and not a loan.

2. Proof of funds
In this document, you need to mention details of the donor and receiver. It should also mention the amount, bank used, and that it is a gift.

✅ Get pre-approved today! ✅

Hi! We're Team BobCat Mortgages, a women-owned, women-lead mortgage agency that specialises in first-time home buyers mortgage.

We're here to help you find the best mortgage solution for your needs.

📩 [email protected]
🌐 www.teambobcat.ca

Address

2155b Steeles Avenue East Unit 32
Brampton, ON
L6X2Y9

Telephone

+13654405555

Website

https://teambobcat.ca/

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