Mortgage Alliance Canada's Mortgage Choice - Ron Zinger

09/09/2023

I will be there .... will you??
I wouldn't miss it if I were you!!!

LIVE Launch Event Sept 12th. Register NOW to WIN over $3,000 of premium MAGFAST Heathrow aluminum luggage!

03/10/2022

The Spring market is around the corner! A rate hold allows you to secure your interest rate for 120 days while you house shop. This allows you to put in your strongest offer when you see the house you love because you will have your budget in place.

Plus, in the event rates rise 📈 you will be able to take advantage of the low rates available today. In the event rates drop 📉, you will still be able to secure the lowest rate available for you when you are ready to buy 🏠.

03/03/2022

If you have owned your home for a number of years you have seen a large increase 📈 in value. You may be surprised to find out you can use the equity in your home 🏡 to make money 💰. Reach out to learn more!

02/24/2022

Did you buy a home in 2021? If so, you may be eligible for the Home Buyers’ Tax Credit. Click below to learn more : https://www.canada.ca/en/revenue-agency/services/tax/individuals/segments/homeowners.html

02/16/2022

1. Keep a good credit score! The higher the better, this is a snapshot of your financial health and lenders use this to gauge your ability to repay debts.

2. Save a down payment! The bigger the down payment the better – the minimum down payment when less than $500,000 is 5%, between $500,000 and $999,999 you will need 5% for the first $500K and 10% for the portion above $500K, and for $1 million+ you need 20% of the purchase price.

3. Keep your income stable. Lenders like to see proof that you can make your payments and a full-time job is the best way to show it.

4. Pay down existing debt. Your balances don’t need to be at $0 but how much debt you carry will affect how much you can borrow.

5. Get a mortgage pre-approval!

02/09/2022

A: When you are ready! The #1 thing you can do if you are thinking about buying is get advice early. Talking with a mortgage professional helps you understand:

👉 What you can afford
👉 The down payment you need
👉 Costs involved with buying a home
👉 Improving your credit
👉 Prepayment options
👉 Refinancing penalties (if you decide to do so down the road)
👉 Budgeting and more!

Reach out today and let's start the conversation.

02/02/2022

To best meet your needs, I offer a wide array of products to choose from – banks, private sources, independent lenders, etc.

Whether you are looking to explore your options or get a second opinion, the lending options available through the broker channel could save you thousands! Reach out today to learn more.

01/28/2022

If you are feeling overwhelmed by debt it might make sense for you to refinance your mortgage. Accessing equity in your home to pay off high interest debt is a smart financial move. Not only does it reduce interest payments, it can potentially free up more cash each month.