approvedbyjill

approvedbyjill Mortgage Agent - Valko Financial

Some big banks will send you a renewal letter within three months of your term ending, encouraging you to sign at the cu...
09/27/2021

Some big banks will send you a renewal letter within three months of your term ending, encouraging you to sign at the current posted rate to rollover your mortgage.

Before signing I recommend speaking to a mortgage professional, like myself, to ensure that you are exploring all of your options when it comes to your next mortgage term.

If you have any questions or looking to get started, message me at (519) 498-8601 or click the link in my bio 📲

✨CREDIT TIP #3✨Scared of late payments and interest fees?To avoid late charges that can affect your credit score negati...
09/17/2021

✨CREDIT TIP #3✨
Scared of late payments and interest fees?

To avoid late charges that can affect your credit score negatively, set up autopay to your credit card so you never miss a payment!

For more credit tips, message me at (519) 498-8601 or click the link in my bio 📲

Lenders will look at the 5 C’s! This includes Credit, Capital (your income), Capacity (your income to debt ratio), Chara...
08/09/2021

Lenders will look at the 5 C’s! This includes Credit, Capital (your income), Capacity (your income to debt ratio), Character (yes, they can Google you!), and Collateral.

If you have any questions or looking to get started, message me at (519) 498-8601 or click the link in my bio 📲

Let’s work together 🤝If you have any questions or looking to get started in the market, message me at (519) 498-8601 or ...
08/03/2021

Let’s work together 🤝

If you have any questions or looking to get started in the market, message me at (519) 498-8601 or click the link in my bio 📲

There are many reasons you may benefit from refinancing! You could get a lower interest rate, consolidate your debt, cha...
07/19/2021

There are many reasons you may benefit from refinancing! You could get a lower interest rate, consolidate your debt, change your mortgage term, get a new mortgage all together, and lastly you could tap into your home equity to finance those renovations you’ve been dreaming about!

If you have any questions or looking to get started in the market, message me at (519) 498-8601 or click the link in my bio 📲

✨CREDIT TIP #2✨Simply paying down your existing debts won’t significantly improve your credit score. In order to improv...
07/13/2021

✨CREDIT TIP #2✨
Simply paying down your existing debts won’t significantly improve your credit score.

In order to improve your credit score, you will need to be using your types of credit consistently and responsibly!

If you are hesitant to use your credit due to credit mistakes of your past, I suggest starting small with one card. Use this credit card to pay for gas or groceries or your daily coffee ☕️

If you have any questions or looking to get started in the market, message me at (519) 498-8601 or click the link in my bio 📲

As a home buyer, you have many options! For your down payment you can use your savings, a cash gift from a family member...
07/09/2021

As a home buyer, you have many options! For your down payment you can use your savings, a cash gift from a family member, equity from the sale of another property, or if you are a first time home buyer you can use your RRSP’s up to $35,000!

If you have any questions or looking to get started in the market, message me at (519) 498-8601 or click the link in my bio 📲

Congratulations to my client on securing this awesome property 👏🏻If you have any questions or looking to get started in ...
07/05/2021

Congratulations to my client on securing this awesome property 👏🏻

If you have any questions or looking to get started in the market, message me at (519) 498-8601 or click the link in my bio 📲

When preparing yourself for homeownership, it’s important to realize your mortgage payment is not your only expense. I s...
06/19/2021

When preparing yourself for homeownership, it’s important to realize your mortgage payment is not your only expense. I suggest you create a budget to ensure you have the financial means to afford your mortgage payment, property taxes, strata/condo fees, monthly utility bills, and any other monthly household expenses you may encounter!

If you have anymore questions on becoming a homeowner, message me at (519) 498-8601 or click the link in my bio 📲

✨CREDIT TIP✨Be mindful of your credit card utilization!Credit card utilization indicates how much of your available cred...
06/14/2021

✨CREDIT TIP✨
Be mindful of your credit card utilization!

Credit card utilization indicates how much of your available credit you are using.

You want to strive to keep your credit utilization rate below 30 percent to increase your credit score!

For more credit tips, message me at (519) 498-8601 or click the link in my bio 📲

Your credit will play a major roll in the mortgage process. Your borrowing power is increased with a higher credit score...
06/12/2021

Your credit will play a major roll in the mortgage process. Your borrowing power is increased with a higher credit score, and in most cases lenders will offer better rates!
Stay tuned for my next post to learn ways to better your credit 👈🏻

To get started today, message me at (519) 498-8601 or click the link in my bio 📲

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Kitchener, ON

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+15194988601

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