Scott Gagnon - Mortgage Agent

02/29/2024

Not only is it my goal to help you secure a mortgage and achieve home ownership, but I also want to make sure you have everything else covered too.

Here's a list of just a few other things to consider once you're settled in

- Property Taxes
- London Hydro (Electrical + Water)
- Union Gas (now Enbridge)
- Mail Forwarding
- Garbage Collection

Reach out today to receive a copy of my free guide that provides you with phone numbers, links and contact information to get you set up.

Applicable for the London area!

02/06/2024

Permanent Residence? Work Visa? Student Visa? Refugee Status?

With the New to Canada Program, we can assist new Canadiens in their goal of first-time homeownership. This program is tailored to individuals looking to buy a home with both permanent and non-permanent residence status, accommodating limited Canadian credit history and situations where foreign credit bureaus may not be accessible.

Some criteria for eligibility:
- Minimum 3 months full time employment in Canada
- Minimum 5% down payment (gifted down payment
acceptable)
- Must have immigrated or relocated to Canada within the last 5
years

Reach out now to see if you are eligible!

01/30/2024

We are excited to announce that we have flexible solutions when it comes to the purchase of new builds and their increased values! With new construction and assignment purchases, we may now use the appraised value for our loan to value calculations.
What does that mean?
Properties purchased 6+ months prior to closing for pre construction homes may now get financing on their mortgage at the appraised value opposed to the purchased price.

Reach out today for more information!

04/26/2021

Crazy the things you find while renovating your home. Here's a news article from 1992 advertising low mortgage rates and why purchasing a home is a great option!

04/07/2021

It's always a pleasure receiving positive feedback from my clients!

03/06/2020

10/25/2019

Location! Location! Location!

One of the most important things to look for when buying a home is a community where you will feel safe and comfortable and which is convenient for you and your family.
Here are a few tips on how to choose a location that works for you:

One major factor in choosing a location is where you work. If you don't want to spend a lot of time driving and enjoy hitting the snooze button like many of us, you want to make sure you choose a location that is close and suitable for you and your family.

If you have children, look for a neighbourhood that is close to a good school as well as recreational facilities such as community centres, playgrounds and public parks.

If you don't have a car, find a neighbourhood that is close to public transportation, medical and dental care as well as a shopping centre and grocery store.

Lastly, get familiar with the neighbourhood before you decide to settle down. Take some time to drive or walk around the area both during the day and at night to see if its a good fit for you!

10/16/2019

Purchasing your dream home on a budget can be a stressful task. With the Purchase Plus Improvement program, you are able to redesign and renovate a home within your price range, all while keeping additional costs down. Whether its a new floor, kitchen, roof or deck, this program allows you to include the cost of your renovations into your mortgage!

09/10/2019

Now that kids are back to school and the first day of fall is right around the corner, one more thing to look out for is the First-Time Home Buyer Incentive. The Government of Canada website explains the program, defines eligible purchasers and even provides live training! Check it out!

Learn how to get an additional 5 or 10% to add to your down payment on your first home.

07/29/2019

When looking for a mortgage, there are 3 main factors that lenders tend to focus on.

1. INCOME - How much money do you make? Are you salaried or self-employed?

2. CREDIT - Are you a responsible borrower? What are your monthly payments?

3. DOWN PAYMENT - How much do you have saved? What is the percentage?

Completing the process of being pre-approved is easier than you think and allows you to know what market you can start looking at!

07/17/2019

Everyone's constantly looking for ways to cut costs and put more money in the bank, so why not do something that requires little to no work! Refinancing your mortgage gives you the opportunity to save on a monthly basis for years to come! Reach out to see what I can do to help.