Mortgage Agent - Mortgage Alliance - Harsh Garcha

Mortgage Agent - Mortgage Alliance - Harsh Garcha I am an experienced and licensed Mortgage Agent with demonstrated success and who strives to help my clients achieve their financial goals.

Mortgage Alliance, License No.10530

It has always been a goal of mine to go on vacation at least once a year. Sometimes, we get so wrapped up with our busy ...
08/26/2020

It has always been a goal of mine to go on vacation at least once a year. Sometimes, we get so wrapped up with our busy lifestyle and schedules that we forget to relax and give ourselves some time to think. Here is my favorite vacation from last year, definitely an amazing time!

What's your favorite vacation spot? 🌴🏖️

I am a firm believer that if you love what you do, it doesn't feel like work. ...
08/19/2020

I am a firm believer that if you love what you do, it doesn't feel like work.

Awaken the Giant Within focuses on healthy habit development by using words of encouragement and empowerment. It is full...
08/12/2020

Awaken the Giant Within focuses on healthy habit development by using words of encouragement and empowerment. It is full of wisdom along with techniques and strategies to master your finances, relationships, body, emotions, and even life.

Tony Robbins acts as a life coach in a way that empowers you - it develops that "can-do" mindset which some struggle to achieve. Although the book is fairly dense and takes quite a bit of time to finish, I'd definitely recommend this read to everyone and anyone who is looking to challenge their perspectives and become the person they know they are deep down. 📖💭

Always make a total effort, even when the odds are against you ⛳
08/05/2020

Always make a total effort, even when the odds are against you ⛳

The very last step of "Home Ownership 101" is when you've chosen a mortgage that works best for you and you've found a h...
07/30/2020

The very last step of "Home Ownership 101" is when you've chosen a mortgage that works best for you and you've found a home that fits within your budget. Now it's time to make an offer and close the deal!

✅ Making an Offer - After finding the home you want to purchase, you need to give the seller an offer to purchase, which is also known as agreement of purchase and sale. This is a legal contract that should be prepared by your real estate agent and/or lawyer.

✅ Getting a Mortgage - Once your offer is accepted, you must visit your lender or broker to verify and finalize the details of your mortgage

✅ Closing day - This is the most exciting time! It's when you get to take legal possession of your new home. The final signing generally happens at your lawyer or notary's office!

Let me know if you have any questions!

After you have a clear understanding of your financial situation and mortgage options, it is time to move onto Step 4 of...
07/22/2020

After you have a clear understanding of your financial situation and mortgage options, it is time to move onto Step 4 of "Home Ownerships 101" which is finding the right home. ⁠
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This is where it's time to start thinking about the kind of home you want to want to buy. I suggest looking for a home that will meet your needs not just for today, but for 5 or 10 years down the road. ⁠
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I suggest all my clients make a list of their requirements and preferences for a home. The following are common factors people consider:⁠
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🏡 Location: decide whether you want to live downtown in the suburbs or in a more rural environment? what type of neighborhood are you looking for? How close do you want to live to work, shopping recreations, health services, public transit, and school? ⁠
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🏡 Size: how many bedrooms or bathrooms do you need? Do you need space for a home office? Would you require extra space for storage? Would you need a garage?⁠
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🏡 Special Features: Would you like a swimming pool? Do your family members have any allergies or environmental sensitivities? Is an energy-efficient home on your list? ⁠
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🏡 Lifestyle: Are you planning to have children? Are you close to retirement? Do you want to live close to community centres or places of worship? Is it important for you to live close to family and friends?⁠
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The home you choose will have a long-term impact on your lifestyle and finances, so do take your time and consider all factors! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

When meeting with your mortgage broker or lender, it is in your best interest to be prepared with all your information b...
07/21/2020

When meeting with your mortgage broker or lender, it is in your best interest to be prepared with all your information beforehand. This will help them determine whether you qualify for a mortgage and make the process much faster! ⁠
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Some of the things I recommend bringing with you is: ⁠
✅ your employer contract information along with your employment history ⁠
✅ proof of address and your address history⁠
✅ government-issued photo IDs with your current address ⁠
✅ proof of income for your mortgage application ⁠
✅ proof of down payment (amount and source)⁠
✅ proof of savings and investments ⁠
✅ details of current and debts and other financial obligations ⁠
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Drop down any questions you have below! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

One of my favourite quotes that I stand by is "the harder you work for something, the greater you'll feel whenever you a...
07/20/2020

One of my favourite quotes that I stand by is "the harder you work for something, the greater you'll feel whenever you achieve it". This applies to all parts of my life, from my career to my fitness and health. ⁠
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What's your favourite quote? What motivates you? ⁠⁠⁠⁠⁠⁠⁠⁠

Once you complete Step 2 which is understanding that you can afford the home you want, you are ready for Step 3 of "Home...
07/16/2020

Once you complete Step 2 which is understanding that you can afford the home you want, you are ready for Step 3 of "Home Ownership 101" which is financing your home. ⁠
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At this stage, it's time to meet with your mortgage lender or broker to discuss your financing options and get that final confirmation that you are financially ready to purchase a home. The mortgage lender or broker will discuss mortgage terms and interest rates with you while also explaining the steps you need to do in order to get approved for a mortgage. ⁠
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Here are some of things you can do prior to meeting your mortgage lender or broker that will help you.⁠
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Comment your questions below!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

The best view comes after the hardest climb. ⛰️
07/15/2020

The best view comes after the hardest climb. ⛰️

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Brampton, ON

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