Mortgages with Cassandra

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Canada
Keswick, ON
Mortgages with Cassandra

My job is to find you the right mortgage with the right terms that work for you.

I have access to main banks, mortgage finance companies, alternative, and private lenders, which gives my clients multiple options and solutions that work for their needs.

08/12/2021

Have relationships with more than just 1 lender/bank?

Have access to both bank and non bank mortgage products, providing you with options?

Work for you or for a bank?

Match you with the mortgage product of your dreams, or try to sell you everything under the sun at the local bank?

Have access to unpublished rate specials?

Have product knowledge?

Make the process as easy as it should be for you?

Have access to record turn around times on approvals?

You’re safe in my hands! Reach out to me today to get your homebuying process started.

07/28/2021

1. Credit - Checking your credit score will help you determine your financing options; Mortgage lenders will use your credit score to gauge your financial trustworthiness and ability to repay your debts. The higher your credit score, the more likely you’ll be offered the lowest mortgage rates.
2. Employment - Lenders like longevity, they like to see a job history with your current company that goes back at least two years. There are some exemptions, so before you change jobs talk to an mortgage agent to see if it will be approved.
3. Debt - Existing debt will make it more difficult to get approved for a mortgage, lenders will look at your debt-to-income ratio when considering whether or not to lend to you/how much to lend to you.
4. Know what you can afford - How much of a mortgage you can afford is affected by several things, including your expected mortgage payments, living costs, debt repayments, and other financial obligations. While mortgage lenders will consider all of these, it’s important to be honest with yourself about what you can afford.

07/20/2021

Insured mortgages generally have the lowest interest rates of all because there is less risk for the lender. If you default, the lender gets paid by the insurer.
Risk value = rate 🏡

07/16/2021

An increase in demand and competition has made it some what discouraging if your in the market looking for a home.

While higher house prices are making it more challenging to find a house that is in your budget and location, more people have started to purchase fixer-uppers.

If your looking to purchase a home that needs some tlc, purchase plus Improvement may be the perfect product for you.

Purchase plus improvements allows you to be able to do those renovations with out the worry of having to save for those renovation costs.

If you think this might be the perfect product for you send me a dm or email to further discuss if this works for you.

Mortgageswithcassandra.ca
[email protected]

06/21/2021

Thank you to all the Frontline workers for all your hard work 🙏❤
As a thank you from my lender partner RFA, you may qualify for an exclusive rate discount and cash back offer!
💫 $1000 cash back after funding

💫 Rates starting as low as 1.94%

💫 Eligible occupations: Police officers, Correctional services officers, Physicians, RNs, RPNs, Border Services, Firefighters, Paramedics

06/17/2021

The morning routine helps us set the tone for the day, better allowing us to control our schedules rather than our schedule controlling us. As we start each day fresh, we can better focus on what is in front of us, where to prioritize our time, and, ultimately, increase our productivity.
Productivity is not always about how much we are getting done but can also refer to the level of quality and intention we are giving to tasks.
Using a mortgage agent instead of a bank let's us give you unbiased advise and a higher level of quality service as our only focus is mortgages.
If you have any questions I am available 24/7 to help with all your mortgage needs.

06/14/2021

An open mortgage, you’re able to pre-pay any amount of your mortgage at any time without facing a pre-payment penalty. With having the flexibility to increase your regular payments or pay a lump sum at anytime it comes with a cost of having a higher interest rate.
A closed mortgage, your interest rate is going to be lower as you are limited to how much you are able to pay towards your mortgage a year. If you decide to pay more than your annual limit you will be faced with a pre-payment penalty.
When working with a mortgage agent we look at all your goals, from short to long term, and from there we decide which mortgage suits your needs. If you want the ability to pay off your mortgage faster or rather have more cash on hand monthly. No mortgage is one size fits all, talk to a mortgage agent to make sure your getting the right product for you.

Link in my bio if you want to get started📞

06/09/2021

Closing costs are additional fees associated when purchasing a home, it typically ranges from 1.5-4% of the purchase price. It is important to make sure to include these costs in your budget so your not caught off guard with these fees leading up to/on closing day.
Here are some of the fees you might need to pay:

💫Home inspection
💫Land transfer tax
💫Legal fees and disbursements
💫Title insurance
💫PST on cmhc (if you have default mortgage insurance)
💫Appraisal fee
💫Property insurance
[email protected]
Mortgageswithcassandra.ca

06/04/2021

Are you a first time home buyer?
There are incentives out there to help you with the purchase of your first home!
First time home buyer incentive
Home buyers' plan
Home buyers' amount
Land transfer tax refund
If you have any questions contact me for further details🏡
[email protected]
Mortgageswithcassandra.ca

06/03/2021

Your tax refund could help you achieve your dream of homeownership!
Put it aside and keep letting it accumulate to get you closer to your goal 🏡

Contact me today to find out more:
[email protected]
Mortgageswithcassandra.ca

tips

06/01/2021

Reverse mortgage eligibility requirements:
▪︎Anyone whose name is on title to the house (including your spouse) are 55+ years old
▪︎The reverse mortgage is for a home that is your principal residence
▪︎Any existing mortgages, or loans secured against your home, must be paid off using the reverse mortgage funds. Funds leftover then can be kept or spent.
How much you qualify for is dependent upon four key factors:
▪︎Your age
▪︎Home location
▪︎Property type
▪︎Home valuation
Keep in mind, reverse mortgages are not issued for more than 55% of the home value, usually much less than this.
Contact me to see if a reverse mortgage is a good option for you.
Mortgageswithcassandra.ca
[email protected]

05/28/2021

✔ 1. You may benefit from some interest savings by switching your current mortgage out of the existing higher interest rate option your in and into a lower rate product before rates start to increase!

✔ 2. Taking advantage of lower interest rates now before they start increasing is a good idea. The mortgage industry is always changing and interest rates could begin rising at any time.

✔ 3. Don't miss out on an opportunity to lock in a low-interest mortgage rate now!

Contact me if you have any questions🏡
[email protected]

'tmissout

Address

Keswick, ON
L4P

Telephone

+19059674563

Website

http://mortgageswithcassandra.ca/

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