Janie Saunders-Mortgage Consultant

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Clarington, ON
Janie Saunders-Mortgage Consultant

Mortgage's for Home Purchase, refinance to payout debts or investments, Renewal Mortgages as well as

08/15/2022

How to shop around for mortgage rates?

1. Don’t use advertised rates to choose a lender - you might think their the best place to start but they are not, in fact they’re usually not even close to the lowest rate available.
2. Don’t accept the first offer you get- you need to shop around for mortgage rates in order to find the best one for your situation.
3. Don’t take a recommended lender at face value.
4. Don’t borrow from your bank because it’s easy. - Don’t be afraid to negotiate! Your bank doesn’t always have your best interests at heart, they want your business.

If they’re not willing to work with you on interest rates or other terms that make sense for your situation and timeline then they probably aren’t the right lender for you.

Have questions about current mortgage rates contact my at 905-404-5601 or visit [email protected]

07/19/2022

What to ask your Mortgage Agent when buying a home?

If you are looking to buy a home in the near future here are a few questions to ask your Mortgage Agent.
1. How much can I afford?
2. Which loan do you suggest for me?
3. How much of a down payment will I need?

For more information contact me at 905-404-5601 or visit https://jsaunders.ca

06/30/2022

Your mortgage investors rate is an important component of your loan. Mortgage rates are always changing and your exact rate will vary depending on several factors including:
- Credit Score
- Down payment amount
- Type and length of the loan

Typically excellent credit and a down payment of at least 20% quality your for the best available rates.

To learn which mortgage rates you qualify for contact Janie at 905-404-5601 or visit https://jsaunders.ca

06/21/2022

Your future called they want you to stop paying your landlord rent!

Want to see how much you can afford? I’m here to help!
Contact me at 905-404-5601 or visit https://jsaunders.ca

06/10/2022

How much of down payment should you save? That’s up to you, but the more you can put down at closing the lower your monthly mortgage payments will be.

Decide on a down payment amount you feel confident you can save; calculate how far away from hitting that target number you are and start saving!

For more information contact me at 905-404-5601 or https://jsaunders.ca

06/08/2022

Your future called they want you to stop paying your landlords rent.

Want to see how much you can afford? I’m here to help!

Contact me at 904-404-5601
HTTPS://jsaunders.ca

05/30/2022

Here’s a term you should know before securing or renewing your mortgage.

What’s the difference?
**a fixed rate mortgage gives you a locked in rate for your whole term in exchange for a promise not to break the mortgage. Whereas a variable allows your mortgage rates to increase or decrease overtime.

Many buyers are attracted to fixed rate mortgage based on the idea that your rate will never change.

However there is an element of buyer beware because if you have to break your fixed rate mortgage then there are often high price penalties.

I know that the details of your mortgage can be confusing which is why I’m here to ensure you understand the fine print of your mortgage and to help with any questions you have.

Contact me today for more information at 905-404-5601 or visit http://jsaunders.ca

05/27/2022

Can I get a mortgage if I’m self employed? In short Yes! Long answer you might have some paperwork ahead of you.

If you happen to be your own Boss here are some things to consider before your next home purchase.

Is your financial house in order? When your self employed lenders are going to need extra documentation, so be sure that your debt is paid down and your credit is solid.

Be sure to review your documentation with your accountant - give them a heads up before you start the application process.

05/25/2022

Making a large purchase such as buying furniture? Do it after paying closing costs!

You’ve found the home and the vision of brand new furniture comes to mind BUT if your home hasn’t closed yet Don’t go finance your new sectional just yet! Your lender will still have to run your credit again right before closing even if the loan has already been approved. So fight the urge to make big purchases until after closing.

05/20/2022

Happy Victoria Day Weekend! Enjoy your extra day with your loved ones!

05/18/2022

Will buying a home save you money?

In the long run it most likely will, even as home prices and interest rates have risen.

Here’s why;
- It’s a hedge against inflation - unlike rent with a foxed rate you always know what your monthly payments will be.
- Increasing Equity - this adds to your personal net worth and not your land lords wallet.

Contact me for more information at 905-404-5601 or visit https://jsaunders.ca

05/16/2022

As a first time home buyer it can be intimidating approaching your first mortgage application and you’ll want to make sure you give yourself the best possible chance of being accepted.

Here are 5 tips to improve your mortgage chances:
1. Improve your credit score
2. Save a bigger deposit
3. Get your finances in order
4. Clear any debts
5. Use a mortgage advisor

Contact me for more information on how to get pre-approved, 905-404-5601 or visit https://jdaunders.ca

Address

Durham Region
Clarington, ON
L1M2N1

Telephone

+19054045601

Website

http://janiesaunders.ca/

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