Mortgages by Mike Morisset

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Canada
Langley, BC
Mortgages by Mike Morisset

Helping the Langley/Surrey Community get the right financing options for almost 10 years For more information or to contact Mike directly call (778) 240-6641.

Mike Morisset is a full service Mortgage Broker specializing in residential mortgages in Langley and the surrounding communities. Mortgages by Mike Morisset is a "one-stop-shop" for all of your financial needs.

08/12/2024

AUGUST 12 | Would you rather have…

Imagine the possibilities with each option! A paid-off home means no more mortgage payments, $100K cash can give you a nice financial cushion, a perfect credit score opens doors to better financial opportunities, and $2500/month for life provides steady, passive income.

Which one would you choose? 👇

08/05/2024

AUGUST 5 | Picture your dreams, paint your reality

Picture your dreams like an artist, then pick up that brush and splash them into reality! No ceilings, no boundaries, just an infinite canvas of possibility!

Remember, you’re the Picasso of your life’s masterpiece, so why not paint a reality as vibrant as your dreams?

Today’s mantra: No limits, only limitless potential! Get out there and turn your ‘one day’ into ‘day one’! Let’s start painting! 💫

07/29/2024

JULY 29 | The habit of persistence is the habit of victory!

No one successful became that way overnight. Keep pushing through with small, consistent steps every day to reach your goal….And never give up!

07/23/2024

JULY 22 | Run when you can walk if you have to crawl if you must

Progress is progress, no matter how small. The important thing to remember is to just keep moving forward.

07/19/2024

July 17 | Before you get a mortgage, watch out for these common pitfalls!

Getting a mortgage can be the trickiest part of buying a home. Here are 5 common mistakes to avoid:

→ Waiting for a 20% Down Payment: Don’t wait! Home prices are always on the rise. Discuss your options with your Mortgage Advisor now.

→ Not getting Pre-Approved: Pre-approval is a must! It shows sellers you’re serious and ready to buy. It gives you your shopping parameters and the comfort to make the leap!

→ Moving Money Around: Keep your finances stable. Don’t move large amounts of money during the mortgage process.

→ Applying for New Credit: Avoid new credit inquiries. They can lower your credit score and raise red flags with lenders.

→ Changing Jobs: Consistent income history is key. Try to wait until after closing to change jobs.

Stay savvy, and avoid these pitfalls for a smoother home-buying experience!

02/16/2023

Where are you in your journey to buying a home?

Whether you're still exploring the market or you're looking to refinance a home you already own, check out our handy mortgage calculator at mbmm.ca to figure out your next steps!

02/14/2023

"Mike and his team did an amazing job getting us mortgage. He made it extremely easy and was always available to answer any questions. His knowledge and efficiency was great reassurance during our stressful time. I am glad I trusted Mike and his team." - Aaron S.

02/10/2023

Did you know that a pre-approval for a mortgage does not guarantee a full approval?

Most first-time home-buyers make the mistake of assuming their pre-approval means that they are certain to be approved; however, Lenders do not see any financial documentation during the pre-approval stage. This is why it is important to contact your Lender immediately after making an offer a home to provide them with documentation such as: paystubs, notice of assessments, bank account screenshots, job letters, and purchase contracts. Once you are approved for a mortgage, you're that much closer to owning your home!

02/02/2023

What does your perfect mortgage plan look like? Get in touch with us at (778) 240-6641 or visit our website and we'll help figure out the best plan for you!

01/30/2023

"Mike and Diana have been amazing with my recent mortgage renewal! They are a professional, dedicated and knowledgeable team and I would highly recommend them! I felt like I was in safe hands at all times and will definitely be seeking them out again!"

01/26/2023

What are Debt Ratios?

Debt ratios measure your ability to repay a mortgage by ensuring debt doesn't exceed a certain percentage of your income. To qualify for a mortgage, Lenders will look at your gross debt service ratio (GDS) and total debt service ratio (TDS). GDS is the percentage of your total monthly income that covers your housing costs. TDS is the percentage of gross annual income required to cover all other debts and loans in addition to the cost of a mortgage. To qualify for a mortgage, most Lenders abide by a general standard of 35% (GDS) and 42% (TDS).

Want to know if you qualify for a mortgage? Use the handy mortgage calculator on our website!

Uncertain about the process to secure a mortgage? It's really quite easy! Send an email to mike@mbmm.ca or call 778-240-...

01/19/2023

Uncertain about the process to secure a mortgage? It's really quite easy! Send an email to [email protected] or call 778-240-6641 so we can get some details of your request and help answer any questions you may have.

Address

Langley, BC
V2Z2Z3

Telephone

+17782406641

Website

http://mbmm.ca/

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