Samantha K. Mortgages

01/20/2023

01/10/2023

Do your research and educate yourself on the mortgage products available to you.

Consider choosing a broker vs going with a bank. A broker can shop rates and products best suited for you financially.

Keep your credit in good standing. Lenders like to see that your debt-credit ratio is 30% or less.

Contact me at:
[email protected]
416-897-6251

Follow me for more!

To stay on top of everything mortgages, click the link in my bio to sign up for my monthly newsletters on my website.

01/09/2023

If one of your goals this year is to purchase a home contact me. I would be happy to assist you with those plans.

Having the right MINDSET and team is the Key to achieving your goals.

Contact me at:
📧[email protected]
📱416.897.6251

Follow me for more!

To stay on top of everything mortgages, click the link in my bio to sign up for my monthly newsletters on my website.

📷Background photo

01/09/2023

If one of your goals this year is to purchase a home contact me. I would be happy to assist you with those plans.

Having the right MINDSET and team is the Key to achieving your goals.

Contact me at:
[email protected]
416-897-6251

Follow me for more!

To stay on top of everything mortgages, click the link in my bio to sign up for my monthly newsletters on my website.

📷Background photo

12/25/2022

We wish you a Merry Christmas & Happy New Year 🎄

06/15/2022

If the plan doesn’t work, change the plan, but never the goal.

05/17/2022

Knowing your credit score is an important number during the home buying process, but what does that little number mean?

Your credit score helps lenders determine the amount of risk they are taking on if they give you a mortgage loan. Scores range from 300 – 850 points and are based on your payment history and ability to repay your debts on time. Late and missed payments will both lower your credit score.

Higher scores can make creditors more confident that you will repay your loan. Most consumers have credit scores that fall between 600 and 750, in 2021 the average credit score was 667.

If you don't know your credit score DM me, and I'd be glad to help you check your credit without a hard inquiry.

Samantha K.
Mortgage Agent
416-897-6251

01/18/2022

1. Maintain a good credit score: The higher your credit score increases your chances of getting approved and determines your mortgage rates and terms.

2. Save for down payment: The earlier you start the better. Having a large down payment increases your chances of being approved for a larger mortgage.

3. Proof of income: Open a business account. If you get paid cash, deposit it into this account. Most lenders will require at least a minimum of 2yrs proof.

4. Work with a mortgage agent: Your mortgage agent will have access to more lenders, compared to a traditional bank.

5. Hire a professional accountant: It shows credibility and transparency. It also assures lenders you’re keeping up with income tax laws.

Samantha K.
Mortgage Agent
416-897-6251

01/18/2022

https://www.bnnbloomberg.ca/canada/video/high-levels-of-immigration-and-not-enough-housing-has-created-a-supply-crisis-in-canada-economist~2363605

Canada has the lowest average housing supply per capita amongst G7 countries. In fact, Ontario alone would need to build 650,000 homes just to meet the national average, this is all according to a Scotiabank housing report. Jean-François Perrault, author of the report, and senior VP and chief econo...