Elaine Carter Mortgages

05/27/2026

https://portal.requityhomes.com/p/ecarter

Click on the above link to apply for Rent to Own program or just read how it works !

Low down payment

Need more information please contact me directly at
(905) 220-9500

05/17/2026

Do you like my new lawn sign ? Helping clients since 1992 !
When you love what you do , it’s not work ❤️.



🏠🏠🏠🏠🏠🏠🏠🏠🏠🏠🏠🏠🏠

05/17/2026

Do you like my new lawn sign ? Helping clients since 1992 !
When you live what you do , it’s not work ❤️.



🏠🏠🏠🏠🏠🏠🏠🏠🏠🏠🏠🏠🏠

04/30/2026

No Rate Change this time around .

04/30/2026

UNDERSTANDING CREDIT

Many clients have great credit but there are a few that come along that have hiccups in their credit history. Sometimes not have enough credit can go against your borrowing power as well.

The information here explains how credit is reported, utilized to establish your ability to borrow and how to avoid credit issues as well as how to repair your credit.

If you are considering borrowing to buy a home, car, credit card ect you need to start at least 6 months prior to monitor your credit and make adjustments as needed. In some cases it could take longer.

You can sign up for a free Equifax account on Equifax.ca. In the search bar on their page type in Free Report to take you to the registration page. It is wise to check every 3 months for any inconsistencies .

If you require further help in budgeting or repairing your credit feel free to reach out.

04/25/2026

Are you an experienced licensed agent looking to take your business to the next level?

04/25/2026

Oh Chatgpt , thank you for making me look younger , love you ❤️

04/20/2026

Lenders make decisions about loaning you money based on your credit history for one, showing them that you can use and repay debt responsibly shows them your stability and if you are a good risk to them.

They like to see a minimum of two credit cards or loans with at least a two year history of payments and at least $5,000 limit. Keeping your balances below 50% of available credit will help keep your credit score high. When you max out your credit limit, miss the minimum payment date will hurt your score among other things.

Having money in investments, emergency fund , bank account also shows them you will have money available if you run into a difficult time such has health issues, loss of job, divorce ect.

It is advisable to review your own credit bureau every six months to make sure there are no issues with your credit.

Also a great idea to have a meeting with me to review how lenders will look at your overall finances before you look for a loan.

Lets take a look. Book your review today to make sure you are on track.

04/01/2026