Peart Mortgages

Peart Mortgages Jerome has an extensive background in finance and communications.

Jerome believes in the importance of educating his clients through the mortgage process and is committed to finding the right mortgage solution to meet your needs.

One of the many benefits of having a licensed mortgage professional on your side is guidance and expert advice throughou...
03/27/2024

One of the many benefits of having a licensed mortgage professional on your side is guidance and expert advice throughout the mortgage process. Not only will we find you the best rate and mortgage product, but we will help educate you along the way.

We’ll do the heavy lifting so you don’t have to. Contact us today to get started!

Buying and selling a home at the same time can be stressful. It's not just a matter of logistics and timing, your option...
03/25/2024

Buying and selling a home at the same time can be stressful. It's not just a matter of logistics and timing, your options can also vary based on whether or not you need access to the equity from the sale of your property to purchase another.

Let's have a look at some common scenarios:

BUY before you sell your existing property
BUY with a contingency to sell
SELL FIRST then BUY
Before you make any moves, have a discussion with a licensed mortgage agent (broker); that’s us. We will guide you through your options and help you make the best decision for your situation.

Connect with us today!

For many consumers outside the mortgage industry, the terms "mortgage broker (agent)" and "bank specialist" might appear...
03/22/2024

For many consumers outside the mortgage industry, the terms "mortgage broker (agent)" and "bank specialist" might appear interchangeable, but they carry distinct differences.

As a prospective homeowner, understanding these variances is crucial.

Mortgage Brokers (Agents) are your source for independent advice. These mortage professionals are provincially licensed and regulated; and adhere to all national lending rules/laws/regulations. They are up to date on current market trends and ongoing industry eduction. This independence allows us unique access to rates and mortgage products from a large number of lenders (banks, credit unions, trust companies, monoline/alternative lending as well as private and commercial lending).

Conversely, a bank specialist is employed by a single lender and works to sell that particular institution’s products; they are not required to hold a license.

Curious to explore what a Mortgage Broker (Agent) can offer you? Reach out today - we're eager to connect and assist you with your mortgage financing needs.

An owner-occupied (rental) property is one that the landlord also lives in. When the landlord is also living in the prop...
03/20/2024

An owner-occupied (rental) property is one that the landlord also lives in. When the landlord is also living in the property it is considered less of a risk (by the lender).

The residence must be the landlord's primary residence (two consecutive years in the property are required to be considered primary). This decreased risk can make qualifying for a mortgage loan easier, reduce down payment requirements, and in some cases, provide a more favourable rate.

Want to know more? Reach out to us today; we’re happy to answer all your questions.

Happy St. Patrick's Day!Wishing you all the luck of the Irish today and always!
03/17/2024

Happy St. Patrick's Day!

Wishing you all the luck of the Irish today and always!

Today, we're jumping into steps three and four of your path to home ownership (check out yesterday’s post for and ):S...
03/13/2024

Today, we're jumping into steps three and four of your path to home ownership (check out yesterday’s post for and ):

STEP 3 - MAKING AN OFFER:

Once you've found your property, it's time to make an Offer (aka Offer to Purchase) to the seller. Your offer should have conditions for financing included. When seller has accepted your offer, it’s time to submit your application to your chosen lender for final approval.

STEP 4 - MORTGAGE APPROVAL:

A mortgage approval is based on both the borrower and the property. Once the Lender reviews your application they will place "conditions" on the approval that you/your broker/realtor/solicitor will work together to satisfy. This is often referred to as a Conditional Approval. Once these conditions are met they will be removed and your mortgage will be finalized; you will then move to funding your mortgage with your lawyer (closing appointment).

** Be sure you keep your down payment intact and avoid making changes to your employment, reducing your income, or taking on any additional debts while you wait for your mortgage to fund **

Check back tomorrow for and !

Dreaming of owning your own home?We understand that the journey to home ownership can seem daunting. That's why we're he...
03/12/2024

Dreaming of owning your own home?

We understand that the journey to home ownership can seem daunting. That's why we're here to break it down for you! Over the next 3 days, we’ll share the six steps to homeownership.

Today, we're delving into steps one and two - be sure you don’t skip step one when starting the home financing process!

STEP 1 - Mortgage PRE-APPROVAL (or pre-qualification):

We will provide you with a fully under-written pre-approval. This includes a complete review your application and supporting documents; it is at this step we will discuss your situation, needs, affordability as well as review your credit and estimated monthly mortgage payment.

NOTE: A pre-approval is looking at you as a borrower; once you find a property we can move to the final mortgage approval (a mortgage approval requires the property also be approved).

STEP 2 - SHOPPING FOR A HOME:

After you have your pre-approval, it's time to start shopping for a property. An experienced Realtor can help you find the perfect home. Don’t yet have a great Realtor? We are happy to provide you with a referral :)

Let’s turn your dream of home ownership into a reality. Reach out today to get started on your pre-approval!

Don't forget to spring forward!Daylight Saving Time is almost here, and it's time to set your clocks ahead one hour (rem...
03/09/2024

Don't forget to spring forward!

Daylight Saving Time is almost here, and it's time to set your clocks ahead one hour (remember to make the change before bed tonight).

Happy International Women's Day!Today, we celebrate the incredible achievements and contributions of women both in our c...
03/08/2024

Happy International Women's Day!

Today, we celebrate the incredible achievements and contributions of women both in our company and around the world. We're honoured to recognize the vital role women play in shaping our communities, families, and businesses.

May we all continue to champion gender equality, celebrate diversity, and create opportunities for women to thrive in all aspects of life. Together, we can build a brighter, more inclusive future for generations to come.

Are you approaching your mortgage renewal? Be sure you are exploring your options before your sign any renewal offer fro...
03/05/2024

Are you approaching your mortgage renewal? Be sure you are exploring your options before your sign any renewal offer from your existing lender!

Four to six months before your mortgage renewal date is the ideal time-frame to explore your options. Seeking independent advice/guidance from a licensed mortgage professional (like us) will provide you with access to a variety of lenders and mortgage products.

Whether you're contemplating switching to a different lender, mortgage product/type, or consolidating debt; your renewal is the perfect time to assess your needs and ensure your next term is in the mortgage that best aligns with your current financial situation and future goals.

We are here to guide you through the renewal process, ensuring you make an informed decision. Don't miss out on maximizing your mortgage potential – reach out to us today!

1. Access to a Wide Network of LendersEngaging mortgage services grants access to a vast lender network. With industry c...
01/24/2024

1. Access to a Wide Network of Lenders
Engaging mortgage services grants access to a vast lender network. With industry connections, I link you to lenders offering competitive rates and terms, enhancing your chances of securing a mortgage tailored to your financial needs and preferences.

2. Comprehensive Understanding of Costs
When buying a home, it's not just the purchase price that matters; it's also the associated costs like closing costs, property taxes, and insurance. My approach to mortgage services ensures you understand all these costs, helping you budget effectively and avoid financial surprises.

Unlock your dream home with ease! Visit our website https://www.peartmortgages.ca/pages/home today for personalized mortgage solutions.

Embark on the exciting yet complex journey to homeownership with Jerome, your expert guide in finance and real estate. W...
01/12/2024

Embark on the exciting yet complex journey to homeownership with Jerome, your expert guide in finance and real estate. With a wealth of experience, Jerome emphasizes the importance of informed decisions and explores why bypassing mortgage services in the ever-changing real estate market can lead to costly mistakes.

Read this blog and explore how I can help you make the most of your investment while ensuring a smooth transition into your dream home.

https://bit.ly/47dITkO

Address

223 14 Street NW
Calgary, AB
T2N1Z6

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm
Sunday 9am - 6pm

Telephone

+15879698923

Website

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