Vikas Gupta - Enrich Mortgage Group

01/25/2021

01/03/2021

Do you know the difference between using a broker vs the bank?
A mortgage broker works for you. We have access to multiple lenders to find the product and rate that meets your needs. A mortgage specialist at the bank works for the bank. They have access to 1 lender and want to sell their product, not necessarily what is best for you.
If you are getting ready to buy, renew or refinance your mortgage, send me a message, it might save you thousands in unnecessary interest.

12/30/2020

Have you viewed a house in the neighborhood that you like and would like to proceed with an offer but would also like to make some refurbishments? There is an option where the renovation financing for the cost of improvements may be added to the mortgage. Call me or send me a message to know more about this product.

12/28/2020

Regardless of your financial milestones it is important to know what makes up your score so you can keep it on track. Pay your bills on time, have a good mix of credit accounts, and keep a lower ratio of debt used to credit available.
Click below for more details about factors that impact your credit score:
https://www.consumer.equifax.ca/personal/education/credit-score/what-impacts-credit-score/?fbclid=IwAR14L0JLs7fhM4ktAKif5wwDP0TdtXFOFgp2hFeCEHs2mOYp_95coKfDO5I

12/26/2020

A lot has gone on this year in the mortgage market. We have had everything from rate drops to deferrals to restrictions come at us and your personal situation may have changed.
As the year comes to an end, if you have not made time for your annual mortgage check-up, now is the time! Send me a message and we can review your situation, free of charge, to ensure you are getting the mortgage that’s right for you.

12/25/2020

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 space into a classroom or dining room into an office 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.

12/24/2020

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

12/23/2020

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.

12/21/2020

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