SahotaHomes

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SahotaHomes

Are you looking to buy a home, sign up for a mortgage or refinance your existing property? Let me help you succeed in your investment properties :)

I am here to serve you as I am a REALTOR with Team 3000 Realty and I am a Mortgage Broker with Krimson.

07/07/2022

Is it that time again for YOUR Mortgage Renewal?

An independent Mortgage Professional can help YOU by offering advice, and lay out options to help YOU get ahead and succeed in YOUR financial accomplishments.

Contact me today at (778)-883-2260 or DM me here; if you would like to learn more about investment opportunities or customized mortgage options that work for you!

Stay Blessed and Remember That With Me, Transactions are ALWAYS served with Honesty, Integrity and Trust.

Chris Sahota
(778)-883-2260
Real Estate/Mortgage Broker: [email protected]
Team 3000 Realty: Real Estate
Krimson Mortgages: Mortgage Broker

06/20/2022

Contact me today at (778)-883-2260 or DM me here; if you would like to learn more about investment opportunities or customized mortgage options that work for you!

Stay Blessed and Remember That With Me, Transactions are ALWAYS served with Honesty, Integrity and Trust.

Chris Sahota
(778)-883-2260
Real Estate/Mortgage Broker: [email protected]
Team 3000 Realty: Real Estate
Krimson Mortgages: Mortgage Broker

06/14/2022

Is it that time again? Is it time for renewal? Let’s Go!

An independent Mortgage Professional can help YOU by offering advice, and lay out options to help YOU get ahead and succeed in YOUR financial accomplishments.

Contact me today at (778)-883-2260 or DM me here; if you would like to learn more about investment opportunities or customized mortgage options that work for you!

Stay Blessed and Remember That With Me, Transactions are ALWAYS served with Honesty, Integrity and Trust.

Chris Sahota
(778)-883-2260
Real Estate/Mortgage Broker: [email protected]
Team 3000 Realty: Real Estate
Krimson Mortgages: Mortgage Broker

06/07/2022

Reverse Mortgages: What Are They?

Considering a Reverse Mortgage?

A Reverse Mortgage is exactly how it sounds! One would pay the small amounts of their mortgage first (considering their a student or have a low-paying job now, and know that they will climb the ladder in 2-5 years time from now; either through graduating from college and/or becoming a professional in their field down the road) which will result in them making more $$$ per year and thus, they, the Reverse-Mortgage Borrower will be paying more per their monthly payment(s) 2-5 years from now, when the borrower is able to afford a higher pay-back tab while in their current Reverse Mortgage.

REACH OUT TODAY for a better tomorrow!

Contact me today at (778)-883-2260 or DM me here; if you would like to learn more about investment opportunities or customized mortgage options that work for you!

Stay Blessed and Remember That With Me, Transactions are ALWAYS served with Honesty, Integrity and Trust.

Chris Sahota
(778)-883-2260
Real Estate/Mortgage Broker: [email protected]
Team 3000 Realty: Real Estate
Krimson Mortgages: Mortgage Broker

05/28/2022

Looking for a Mortgage BUT Have BAD CREDIT?

Each individual has a unique credit score that impacts them differently. Think of a credit score like a roll-coaster. Having a low credit score-level results in less banks granting one a secured loan with higher interest rates to be payed back, and having a high credit score-level grants you access to more banks with lower interest rates, which is a good return on your investments.

Credit score-levels speak volumes about your financial health and management. Though as we are aware of, life happens, and sometimes
unforeseen circumstances may impact your life and your credit; such as, losing your job, switching your jobs too many times quite frequently, having a family emergency and taking a leave of absence without pay from work, getting a divorce and/or having to dip into your savings could put your prepayments on hold and negatively affect/lower your credit score.

Luckily, a Mortgage Broker can help you would YOUR Credit Score Level if YOU run into a financial crisis.

Contact me today at (778)-883-2260 or DM me here; if you would like to learn more about investment opportunities or customized mortgage options that work for you!

Stay Blessed and Remember That With Me, Transactions are ALWAYS served with Honesty, Integrity and Trust.

Chris Sahota
(778)-883-2260
Real Estate/Mortgage Broker: [email protected]
Team 3000 Realty: Real Estate
Krimson Mortgages: Mortgage Broker

05/10/2022

Items to Consider When Starting YOUR House Hunting. House Hunting is NOT a one day or one week task to accomplish. It weeks and sometimes even months to find the right assets of YOUR families liking. There are multiple factors to consider when purchasing
a home.

Subjects and items to include BUT are NOT limited too:
1. Your income and down-payment
2. Your monthly payments budget
3. Your current credit score
4. Your preference: condo, townhouse or house? Is the purchase detached-or-attached?
5. Your preferred location

Reach Out TODAY to speak with a trusted professional that can help you build a purchase plan on one of YOUR biggest purchases ever!

Contact me today at (778)-883-2260 or DM me here; if you would like to learn more about investment opportunities or customized mortgage options that work for you!

Stay Blessed and Remember That With Me, Transactions are ALWAYS served with Honesty, Integrity and Trust.

Chris Sahota
(778)-883-2260
Real Estate/Mortgage Broker: [email protected]
Team 3000 Realty: Real Estate
Krimson Mortgages: Mortgage Broker

05/04/2022

Got Questions? We Got Answers!
Don’t Let Uncertainty Hold YOU Back.

Mortgage Questions; such as, refinancing, renewals, first-time home buyers, self-employeed individuals, investment opportunities and/or properties, vacation homes, and much, much more is where a Mortgage Broker may assist you with.

Contact me today at (778)-883-2260 or DM me here; if you would like to learn more about investment opportunities or customized mortgage options that work for you!

Stay Blessed and Remember That With Me, Transactions are ALWAYS served with Honesty, Integrity and Trust.

Chris Sahota
(778)-883-2260
Real Estate/Mortgage Broker: [email protected]
Team 3000 Realty: Real Estate
Krimson Mortgages: Mortgage Broker

04/26/2022

Pre-Approval is A MUST!

Obtaining a Pre-Approval is A Must!
Whether your a Rookie First-Tiime Home-Buyer or a Experienced Home-Buyer that is needing some Financial Aid; REACH OUT TODAY to speak with a trusted expert to ensure that you in tact are getting the BEST POSSIBLE RATE available!

Contact me today at (778)-883-2260 or DM me here; if you would like to learn more about investment opportunities or customized mortgage options that work for you!

Stay Blessed and Remember That With Me, Transactions are ALWAYS served with Honesty, Integrity and Trust.

Chris Sahota
(778)-883-2260
Real Estate/Mortgage Broker: [email protected]
Team 3000 Realty: Real Estate
Krimson Mortgages: Mortgage Broker

04/17/2022

Most lenders will accept gift funds that may be from family, a sibling or a friend to use as part of YOUR down payment method. However, keep in mind that a gift letter signed by the donor (person giving YOU the $$$) is required for proof and verification of where the funds are coming from, in order to provide proper documentation that the funds are indeed a gift and NOT a loan.

When a Mortgage on the property requires Mortgage Loan Insurance, the Canada Mortgage and Housing (CMHC) requires that the gift funds are in the Purchasers Possession BEFORE the Mortgage application is sent in for approval. However, this is not relevant If the Mortgage Loan Insurance is provided by GE Capital.

Contact me today at (778)-883-2260 or DM me here; if you would like to learn more about investment opportunities or customized mortgage options that work for you!

Stay Blessed and Remember That With Me, Transactions are ALWAYS served with Honesty, Integrity and Trust.

Chris Sahota
(778)-883-2260
Real Estate/Mortgage Broker: [email protected]
Team 3000 Realty: Real Estate
Krimson Mortgages: Mortgage Broker

04/04/2022

How will Child Support affect Mortgage Qualification?

When child support and alimony are paid out to another person; the amount paid is deducted from your total income before determining the size of mortgage that YOU qualify for. Vice versa, when child support and alimony are received by YOU from another person, then ideally the amount paid may
be added to your total income before determining the size of mortgage that YOU will qualify for.

Contact me today at (778)-883-2260 or DM me here; if you would like to learn more about investment opportunities or customized mortgage options that work for you!

Stay Blessed and Remember That With Me, Transactions are ALWAYS served with Honesty, Integrity and Trust.

Chris Sahota
(778)-883-2260
Real Estate/Mortgage Broker: [email protected]
Team 3000 Realty: Real Estate
Krimson Mortgages: Mortgage Broker

03/28/2022

Be kind whenever possible. It is always possible" - Dalai Lama

Stay Blessed Everyone.

Contact me today at (778)-883-2260 or DM me here; if you would like to learn more about investment opportunities or customized mortgage options that work for you!

Stay Blessed and Remember That With Me, Transactions are ALWAYS served with Honesty, Integrity and Trust.

03/23/2022

As of today, About 50% of New Home Buyers use their RRSP funds as a down payment on the purchase price. If your a First Time Home Buyer, the First-Time-Home-Buyers-Plan (HBP) allows YOU to withdraw money from your Registered Retirement Savings Plan (RRSP) tax-free, in order to make your down payment. Keep in mind; that the HBP rule applies to a mortgage amount not more than $500,000 CAD. The HBP is created and administered through the Canada Revenue Agency (Federal Government).

To qualify for the HBP, there are certain criteria that one needs to meet. For further HBP explanation and criteria; please contact Canada Revenue Agency (CRA) at 1-800-959-8281.
_______________________________________

The HBP is a government program that lets first-time home buyers borrow up to $35,000 each from their RRSPs, tax-free. First-time home buyers who use the HBP must pay the money back to their RRSP within 15 years (starting the second year after the funds were withdrawn). If they don’t, the amount for that year is considered income and subject to tax.

The HBP is an excellent program for first-time home buyers looking to pay less mortgage default insurance and increase the size of their down payment. But it’s not without its drawbacks. The caveats include only being able to access funds that were deposited more than 90 days before withdrawal and potentially depleting your retirement savings in the name of homeownership—even if it’s only temporarily.

Source: MoneySense; https://www.moneysense.ca/spend/real-estate/how-to-benefit-from-being-a-first-time-home-buyer-in-b-c/

Address

8028 128 Street
Surrey, BC
V3W4E9

Telephone

+17788832260

Website

https://www.facebook.com/SahotaHomes

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