Meet Marie Copeland
Here to work for you not the big banks. Getting you bank or alternative financing for home purchase or refinancing a home mortgage is more than a job. It's a passion to help families and small business owners realize their real estate financing dreams.
Let me get you a pre approved mortgage fast
Unlocking a more accessible future for hamilton house buyers and ontario wide
Getting a pre approved mortgage helps good people get closer to realizing their home ownership dreams. Imagine a world where everyone and all families have access to home ownership real estate financing, regardless of their credit score or when they need no proof of income loans mortgages when self employed.
mortgages for everyone. Both High Ratio CMHC insured and home equity mortgage loans
While this website spends a lot of time on home equity mortgage loan options WE DO arrange good credit, confirmed income prime and bank mortgages at best interest rates, both CMHC insured and conventional. If you are thinking about negotiating a home purchase offer click on the low down payment mortgage to read about prime lending home buying mortgage process.
So, go ahead. Whether you're an AAA client or need help with home equity loan approval process click the submit button above and we will get started on your pre-approved mortgage.
Getting a pre approved mortgage is a must
While on the AAA side of lending you can get loans to buy a home with low down payment (5% down), alternative mortgage lenders will give you a home purchase loan at a minimum 20% - 25% down plus closing costs, ranging 2.5% - 3% of purchase price. There are exceptions, where rural and well and septic or small community under 35,000 population home purchase loan is involved, in these situations, the most the alternative mortgage lenders will give you is 35% of appraised value.
Home equity mortgage lenders do not issue official pre approved mortgage documents without an Offer To Purchase (unlike AAA prime real estate financing market), but as knowledgeable and experienced Hamilton mortgage brokers Ontario, we can assess your application correctly and guide your through your home purchase process. We'll advise you how to qualify for mortgage successfully.
Before you set out house shopping and negotiating a home purchase offer with your realtor, why not talk to us first ? Submit your application to qualify for mortgage first. This way you will know ahead of time what you are facing and that you can afford the home you are considering.
We offer documented pre approved mortgage consultation. We check your credit score ranking and verify your documents and income before you even consider talking to a realtor. We work with you to resolve any potential obstacles so you can enter with confidence into your home purchase loans to buy a home.
Ensuring your realtor finds you a home you can afford
Giving You First Time Home Buyer Info
Here to give you sound home buyer advice. Read home buyer loans to learn fully the home buying mortgage process before negotiating a home purchase offer.
- You will get a home buying process checklist to walk your from A-Z and,
- Learn how home purchase process timeline works,
- To qualify for home equity mortgage loans at 20% down, the first 5%-10% down payment has to be your own savings. The rest can be gifted from immediate family or even borrowed from your line of credit, another personal loan or a second mortgage Hamilton, GTA, Burlington to Stoney Creek, Grimsby, St Catharines to Niagara corridor or west towards Brantford. This can be an option as long as your overall mortgage qualifying ratios are still in line with the lending guidelines.
Ontario Wide And Hamilton First-Time Home Buyer Programs
If you need first time homebuyer information, you will get that from us with your pre approved mortgage. To start with, if this is your first time home owner loan (NOT CMHC insured mortgage), your basic first time home buyer incentives still apply with home equity loans Hamilton and Ontario wide. This includes:
- you are eligible to withdraw up to $35,000 from your RRSP.
- you will qualify for up to $4,000 land transfer tax first time home buyer credit.
It's important to know that in addition to the down payment home purchase loan applicants need:
- 1.5% + of purchase price for closing costs depending on whether the mortgage is on the prime side of lending or alternative mortgage financing home equity mortgage loan.
At the end of this part of home buying mortgage process, your realtor can zero in to find you that perfect home at the price you can afford.
Marie Copeland FSU, mortgage brokers Ontario since 2000, helping you with home equity loan approval process and documented pre approved mortgage options in Hamilton and Ontario wide.
what is the future of mortgages going forward? more alternative mortgage financing
Like many of my clients you'll get fast mortgage solutions, even if at first your situation seems difficult. We will do all the work needed to get you the best pre approved mortgage - all you have to do is to provide us with the documents needed - we will do the rest.
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*Lenders change their products and interest rates regularly and without notice. Always check for lender updates.
Banks and AAA lenders pay us for your service. Some alternative mortgage financing and all private mortgage broker fees are payable by clients.