Pamela Ludlow - Kingston Mortgage Solutions

Pamela Ludlow - Kingston Mortgage Solutions Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Pamela Ludlow - Kingston Mortgage Solutions, 200-654 Norris Court, Kingston, ON.

For self-employed borrowers, I open doors, not build walls! I have access to lenders specializing in self-employed borro...
04/04/2023

For self-employed borrowers, I open doors, not build walls! I have access to lenders specializing in self-employed borrowers that will take your whole picture into account. Together we will assess your situation and advise how to present all the details best. In fact, helping self-employed borrowers is one of my specialties.

If your mortgage is coming up for renewal, it is essential to get in touch so we can explore your options. With the Stre...
03/28/2023

If your mortgage is coming up for renewal, it is essential to get in touch so we can explore your options. With the Stress Test and today’s higher rate environment, some homeowners have difficulty qualifying at renewal and feel “stuck” with their current lenders.

The best thing you can do is get advice early and explore your options.

Bridge financing is a temporary option designed to help homeowners “bridge” the gap between selling their existing home ...
03/21/2023

Bridge financing is a temporary option designed to help homeowners “bridge” the gap between selling their existing home and purchasing their new home.

It lets you use the equity in your current home for the down payment on your next home while you wait for your home to sell.

If you are interested in learning more or require bridge financing, send me a message; I’m here to help!

Second mortgages are usually taken out to help with short-term cash requirements, pay off higher-interest debts or for i...
03/15/2023

Second mortgages are usually taken out to help with short-term cash requirements, pay off higher-interest debts or for investment opportunities. Depending on your qualifications, a second mortgage will allow you to access 80% - 95% of your home equity. One of the attractive things about second mortgages is the payment. In most cases, you are able to pay interest only or interest plus the amount of principal you select.

For more information about second mortgages, send me a message.

The best advice is always to buy when you are financially ready. But do reach out so I can help you fine-tune your finan...
03/09/2023

The best advice is always to buy when you are financially ready. But do reach out so I can help you fine-tune your finances so you are homeownership and mortgage ready.

If you are ready to buy, I can arrange a pre-approval, so you’re protected from rate increases for up to 120 days while you shop around. A pre-approval also lets you confidently shop in your price range and ensures you can move fast on your dream home when the time is right.

Whether you are thinking of buying now or later, get in touch so I can help you get where you want to go.

If you are shopping for a mortgage, it is essential to know what you need to be able to qualify, but it is also importan...
02/27/2023

If you are shopping for a mortgage, it is essential to know what you need to be able to qualify, but it is also important to understand what could be holding you back from qualifying for a mortgage. Below are 5 points that could be impacting your chances of being approved for a mortgage:

1. Carrying too much debt
2. Poor credit history or not enough credit history
3. Not enough income or assets
4. Not enough of a down payment
5. Unstable employment history

If you feel any of the above points could be holding you back from getting approved for a mortgage, send me a message. I am armed with solutions for every situation.

If you are planning a home renovation, reach out to discuss your financing options. Borrowing through your mortgage can ...
02/22/2023

If you are planning a home renovation, reach out to discuss your financing options. Borrowing through your mortgage can be one of the most cost-effective ways to fund renovations.

Refinancing means getting out of your current mortgage and replacing it with a new one. Take a look at three common reas...
02/13/2023

Refinancing means getting out of your current mortgage and replacing it with a new one. Take a look at three common reasons people refinance their mortgage. 🏠

If you have any questions or would like to review your options, I’m here to help.

At renewal, you can renegotiate everything about your mortgage – with no penalties – which means this is an important mo...
02/09/2023

At renewal, you can renegotiate everything about your mortgage – with no penalties – which means this is an important moment of opportunity. You may also want to discuss refinancing your mortgage to pay off debt, complete renovations, or pay for a significant expense ahead.

Reach out to explore your options.

3 Reasons you should use a mortgage broker vs. going to your bank:1. Better Rates – Because lenders compete for our busi...
01/31/2023

3 Reasons you should use a mortgage broker vs. going to your bank:

1. Better Rates – Because lenders compete for our business, we get discounted rates based on volume and pass these savings directly on to you.

2. Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in-house. With me, you get access to dozens of lenders.

3. Our services are free – the lender compensates us.

If you have questions about your mortgage or home financing options, reach out, I'm here to help.

If you are ready to jump into 🏠 homeownership, reach out! I will discuss the mortgage process with you ➕ inform you abou...
01/27/2023

If you are ready to jump into 🏠 homeownership, reach out! I will discuss the mortgage process with you ➕ inform you about various programs that are available to first-time buyers in Canada. Such as...

👉The Home Buyers’ Plan
👉The First-Time Home Buyer Incentive
👉Other products only offered through the Mortgage Broker channel.

Reach out today to learn more! 📣

Address

200-654 Norris Court
Kingston, ON
K7P2R9

Telephone

+16135075626

Website

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