Marilyn Gareau - Directrice Développement Hypothécaire

09/15/2021

Définitivement LA meilleure notaire Stephanie Bourassa ✨

Me. Stephanie Bourassa, Founder of Bourassa Notaires started her firm only a few years after graduating and it has grown tremendously since. Originally from a small town in Quebec called Joliette, from the age of nine she knew she wanted to become a lawyer. “I changed my mind to specialize as a Notary, but knew I wanted to stand up for people and help everyone have a better chance with me on their side” she recalls about her decision.

When speaking about what motivates her, she notes “ Ever since I was young, I have always had a vision of how I wanted my life to be, I always looked at life differently from the rest of the world. “I always believed in my dreams”. I am also a very good manager with my own ideas, and these are qualities that have always helped me. For me, being an entrepreneur means knowing how to organize well and how to intervene well with these employees and of course the customers. People forget that without our employees we are nothing in the sense that the company does not run. I value my employees and treat them with the outmost loyalty, which is why they’ve stayed with me since the beginning”.

Her full story built on resilience and trust comes out next week! Stay tuned.

Photography by : Peter Mac

04/29/2021

Did you know?

You must ensure that the property is in good condition by having it inspected by a building inspector. The filing of the inspection report can be part of the conditions of the offer to purchase. A negative inspection report can be an additional tool in your negotiations and could even render the offer to purchase void.

04/22/2021

You've been pre-approved for a mortgage, now it's time to find your new home! Don't hesitate to ask all the questions that come to mind in relation to the properties you visit: the age of the roof, heating costs, the compliance of the fireplace or woodstove with the requirements of the insurance companies, the age of the windows and the water heater, the assets included in the price of the property, the neighbourhood, the renovations to be done, etc.

Your real estate broker will help you find your property. Tell them about your budget, your lifestyle, the type of neighbourhood you are looking for and give him/her your mortgage pre-authorization. They will schedule visits, advise you during negotiations and help you complete the offer to purchase.

04/15/2021

The interest rate is an important aspect when it comes to a mortgage loan, but it's not necessarily the first criteria for selection.
In order to make an informed choice, you must determine your objectives for the repayment of your loan. Would you like to :
• Make the lowest possible mortgage payment to better balance your budget?
• Limit the interest cost of your payments as much as possible?
• Accelerate the repayment of your loan to do it in 15 years instead of 25 years?
Several options are available to you and I am here to guide you in your decisions. Don’t hesitate to write me a private message with your questions. ✉️

04/08/2021

Did you know?
Prepayment is an option that allows you to repay up to 15% of the initial mortgage amount annually, in one or more payments, before the maturity date and without penalty, or once per term if the term is less than one year.
Wondering how to get this option? Contact me in a private message and let's discuss it together.

04/04/2021

Joyeuses Pâques à tous! Au lieu du chocolat, imaginez-vous ce scénario de rêve:

L’offre d’achat est acceptée, l’inspection est satisfaisante, le prêt hypothécaire est obtenu: Il ne reste plus qu’à signer l’acte de vente chez le notaire.
Le notaire s’occupe des aspects juridiques du transfert de propriété de l’immeuble et de son financement hypothécaire. Il fournit l’acte d’hypothèque et l’acte d’achat et de vente, rédigé selon l’offre d’achat, qui transfère la propriété de l’immeuble du vendeur à l’acheteur.

Moi-même, ainsi que la notaire Stephanie Bourassa, sommes là pour vous épauler dans ces démarches!

03/25/2021

Choosing a home insurance policy is more complex than you might think. Desjardins offers you coverage adapted to your reality. In addition to essential basic coverage, Desjardins "All Risks" home insurance also covers you against most accidental events that could cause damage to your property (even if you are held responsible😉). You can also add optional coverage that will specifically meet your needs.

Send me a private message for more details on our offers.

03/18/2021

Tips and tricks to save when borrowing money!

👉 Choose weekly payments to pay a little more each week. This will save you money in the long run and reduce your amortization period.

Contact me for more details.

03/11/2021

If you haven't saved the money required to cover start-up costs, or you may have underestimated them (e.g., transfer duties, inspection fees, notary fees, etc.), find out more about our solutions at Desjardins.

It will be my pleasure to support you in your reflection on the choices available, although the ideal solution is still periodic savings prior to the purchase transaction.
Send me a private message! ✉️

03/04/2021

Did you know?
Since 2018, Quebec residents are entitled to a non-refundable tax credit of $750 when they purchase their first home. This credit is in addition to the $625 offered by the federal government since 2009, for a total of $1,375. Claim the benefits and credits that are right for you when you do your own tax returns or, even better, to make sure you don't forget anything, have your tax returns filed by a professional.

Be sure to tell your accountant that you have purchased a new home. He or she will check to see if you qualify for this credit.