Services.
Taking the intimidation factor out of your finances.
Mortgage financing can feel somewhat intimidating, so it’s natural for many clients to focus on rate without knowing other questions to ask. While rate is important, there is so much more that goes into the conversation and that can impact your overall cost of borrowing. It’s my job to better understand where you’re at, and what’s important to you, to help you build a successful long-term financing strategy.
See Below for how I can help you.
SERVICES
Whether you’re buying your first home, investing in property, or accessing equity to support a family member’s down payment, I’m here to guide you every step of the way.
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Condo, townhouse, or house – whatever the property type it’s bound to be one of the most significant purchases you ever make, so you want to ensure that you’re getting the right advice from the start.
I’m here to guide you and to answer your questions so that I can match you with the right solutions.
Helping people to get into a home that they love, in the simplest, most straightforward way possible.
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Have you been staring at that forest green refrigerator or blasé backsplash for months debating a home renovation?
Or maybe the kids are close to graduation with post-secondary programs in mind? Perhaps you want to help your grown children out with a down payment on their first home or buy that RV you’ve always dreamt of and drive it across Canada? Leveraging your home equity can help make all of the above a reality.
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Congratulations! You’ve made it through your mortgage term, but remember just because you’re already living in your home doesn’t mean that you should approach your financing with a ‘set it and forget it’ mentality.
Clients with a mortgage up for renewal are among the most sought-after customers, so you are in a position of power and hold the cards.
It’s important to start the conversation at least six months in advance of your mortgage maturity date to get a better understanding of what’s available in the market. The competition for refinances is fierce, and it’s a great opportunity to gain access to the best features and rates available. Your bank, credit union, or lender will likely start sending you renewal rates 4-6 months in advance, but keep in mind, like any negotiation, this is the first (and not necessarily their best) offer. Being armed with the facts puts you in the driver’s seat of the conversation.
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Did an unforeseen situation or life event cause you to veer off track, and as a result are high interest debts eating up all of your cash flow?
Life happens, and it’s easy to get caught up in the cycle of consumer debt. If you own a home and are carrying high-interest credit card and/or loan balances, there may be an opportunity to refinance up to 80% of the property value to get your cash flow back on track and start paying down that principal faster. For example, a credit card balance of $25,000 at 19.99% costs almost $5000/year in interest alone and would take five years to pay off with payments of at least $650/month. The same $25,000 if added to a 25-year mortgage would only increase your payment by about $150/month and would be at a significantly lower rate of interest.
Have Questions?
Let me answer some!Application & Tools.
Calculators, Online Application, Rates, and More!
Working Together.
Understanding the process is half the battle - everything you need to know below.
The Blog.
The most common questions answered - simply - and without all of the jargon.
“I can't recommend Samantha enough. She has been absolutely fantastic to work with, and we look forward to continuing to work with her for many years. We initially considered going with a mortgage specialist from a major bank, but we left our first meeting with them defeated and confused. They didn't offer us any options and only pushed us one option. We left that meeting feeling like there was no way we would get in the market. Luckily, we were referred to Samantha, and what I can say from our first meeting with her was the complete opposite of what we had with the mortgage specialist. Samantha is thoughtful. She listened to us, explained the process and products, plus provided us with various options to choose what was best for our situation. As a first-time buyer, there are many fears and doubts, but working with Samantha, we had a smooth mortgage process and made a well-informed decision. Samantha goes above and beyond, and we are amazed by her communication and flexibility. She is very down-to-earth, approachable, professional, beyond knowledgeable, detail oriented and resourceful! Thank you, Samantha.”
— Tamara Chavez
Meet Your Broker.
Meet Samantha and discover how her passion for problem-solving and expertise in unique lending situations can help you achieve your real estate goals.
Let’s Chat.
The most important thing to me is family and I’d be very grateful to be a part of your family’s journey.