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Monday 8am - 6pm Tuesday 8am - 6pm Wednesday 8am - 6pm Thursday 8am - 6pm Friday 8am - 6pm Saturday 8am - 5pm

Tracy Ferguson - Licensed Mortgage Agent

Home
Canada
Whitby, ON
Tracy Ferguson - Licensed Mortgage Agent

First hand knowledge of Building Wealth through Real Estate.

07/09/2023

One of my favourite day trips.

07/06/2023

Paying for moving boxes? Not anymore!

Save the money you would have spent on boxes and try some of these places to get all the boxes you need for a successful move.

There are boxes everywhere, and people are usually more than happy to get rid of their extras. Most of the time you just have to ask!

Do you know of any great places in our area to get free moving boxes? Drop them in the comments below!

07/05/2023

Unlock the key to homeownership with these 3 essential steps for qualifying for a mortgage! 🏠

🔑 Good credit score: Aim for a score of 680 or higher for better loan terms and interest rates.
🔑 Stable income: Demonstrate a consistent employment history and sufficient monthly income to cover your mortgage payments.
🔑 Sufficient down payment: Save up for a larger down payment can help improve your chances of approval and avoid PMI.

Embarking on this journey?

For more guidance, feel free to send a DM or comment below!

07/02/2023

Happy Canada Day! 🇨🇦

06/28/2023

It's the perfect time to refresh your home with some delightful scents that capture the essence of the season.

From the bright and uplifting aroma of citrus to the soothing scent of oceanic breezes, there are plenty of summer-inspired fragrances to choose from. And who can resist the tropical allure of coconut and floral blooms?

Whether you prefer candles, diffusers, or room sprays, incorporating these summer scents into your home is a simple way to elevate your space and create a relaxing, inviting atmosphere.

What's your favorite summer scent for the home?

06/26/2023

Most people skip this step when they put their home on the market 👇🏼

If you have an "extra" room in your home, make sure you stage it with one clearly defined purpose.

Even if you like using your guest room as both an exercise room and a home office, it could give buyers the impression that the home is too small.

Instead, think about what your potential buyers are most likely to want to see. A home office? A kids' playroom?

Whether you bring in a professional stager or get creative with the furnishings you have, turning your "bonus" room into a stylish and functional space will have a big payoff.

06/22/2023

Both of these are extra additions to the home, but you can only choose to have one! Which one are you going for?

06/20/2023

🙏🏻 So honoured to be named one of the Best 5 Mortgage Brokers in Whitby, ON. *MortgageBrokerPros*

🏘️ If you are thinking about:
💚 Purchasing a home
💚 Refinancing a home
💚 Talking about mortgage options

Reach Out. I can help!

06/19/2023

Q: Can I get a mortgage if I'm self-employed? In short, yes! The longer answer? You might have some paperwork ahead of you.

If you happen to be your own boss, here are three questions to ask yourself before your next home purchase:

Is your financial house in order? When you're self-employed, mortgage companies are going to need to see extra documentation, so be sure that your debt is paid down and your credit score is solid.

Have you reviewed your documentation with your accountant? If you're self-employed, you may need documentation from your CPA you can before you apply, so be sure to give them a heads up before you start the application.

06/16/2023

Summer is here, and it’s a great time to clean and detox your home!

These are some of my favourite things to do to get my home feeling clean and fresh for the rest of the summer. And you’ll end up helping the environment and saving money on energy costs, especially when you clean out your air vents and replace your air filter!

06/15/2023

Ready to navigate the world of mortgages with confidence? It's understandable if it feels overwhelming, especially as a first-time homebuyer. 🏡

With so many home loan options available, it's essential to have a cheat sheet handy. Here's a quick breakdown of two common types:

1️⃣ Fixed-rate mortgage: Perfect for the long haul (5 year fixed), these loans offer stability and are widely popular. With a fixed-rate mortgage, your monthly payment remains consistent throughout the entire loan term.

2️⃣ Variable-rate mortgage: If you don't plan on staying in your home for an extended period, this option may suit you. These mortgages come with interest rates that fluctuate with the market. While it carries some risk, it can be advantageous for shorter-term homeowners.

No matter your situation, there's a home loan out there to help you find your perfect place. 🏠

Curious to learn more about mortgages? Send a DM, and let's dive deeper into the topic together!

06/14/2023

Talking to your kids about moving is never easy. We rounded up some points on how to help the "moving talk" go smoothly during an already stressful time.

Remember to have these conversations early and keep them in the loop.

Address

Whitby, ON

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	8am - 5pm

Telephone

+14167082727

Website

http://www.tracyferguson.ca/

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