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.
First time home owner loan to purchase a home is one of the biggest investments you will make. Start with creating your guide to buying a home before negotiating a home purchase offer. Dream big but keep your feet on the ground. Explore first time home buyer information and your first
home buyer mortgage options first.
Get first time home owner loan information and a pre approved mortgage: from first time home buyer info, first-time home buyer programs to first time home buyer incentives.
As a 1st time home buyer you will likely find the home mortgage financing process a bit overwhelming. Here is some first time home buyer info to help you out.
If you're a Hamilton first time home buyer, or Ontario wide, contact us for expert home mortgage help. You don't want to make costly mistakes. Your real estate agent will also want you to have a pre-approved mortgage so that they can show you homes in the price range you can afford.
Your first time home buyer loan info:
There are two options first time home buyer mortgage lenders consider to qualify you for a first time home buyer mortgage in Canada.
"A" Insured low down payment mortgage with 5% down (Banks, Credit Unions, broker channel Mortgage Companies, Insurance Companies).
"Alternative Mortgage Financing" with 20% down payment when the banks turned you down.
Start with good first time home buyer information and a home buying process checklist before negotiating a home purchase offer. Click here to go to low down payment mortgage for home buyers advice and other home mortgage loan information.
There are exceptional first time home buyer mortgage lenders. When you go to the bank to get your new home mortgage loan, you end up with the bank's own standard mortgage. Banks in Canada have a limited range of products designed to generate them maximum profits. Their employees get paid bonuses for putting borrowers into the banks most profitable financial products.
So, what's the problem for you ?
It's all in the fine print. Your pre-payment options are marginal and penalties to break the mortgage outrageous.
Why use a mortgage broker instead of a bank ? WE WORK FOR YOU not the big banks !
By going to the bank, you miss out on the exceptional first time home owner loan products offered through mortgage brokers.
By using a mortgage broker, you'll get:
When you go from bank to bank searching for a mortgage, each will pull your credit driving your credit score ranking down. This makes it more difficult for you to qualify for a mortgage. When you come to us, we'll pull your credit once and re-directed to lenders as needed. This protects your credit score.
There are excellent first time home buyers mortgage options available to you -- so let's talk.
Marie Copeland FSU, your Mortgage Broker if you're a Hamilton first time home buyer or anywhere in Ontario.
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*Lenders change their products and interest rates regularly and without notice. Check with us for updates.
1 (905) 537-8815
Banks and AAA lenders pay us for your service. Some alternative mortgage financing and all private mortgage lending broker fees are payable by clients.