Keith Uthe Difference Between Fixed & Variable Rate Mortgages  |  Keith Uthe Tips For Being Pre Approved For A Mortgage  |  Six Tips To Ensure You Have The Right Documents For Mortgage Financing

Whether you are a First-Time Home Buyer, Buying your next home or seeking to Refinance our Calgary Mortgage Broker have many Mortgage Solutions to consider.

A mortgage pre-approval is so important to ensure that you are buying within your purchasing ability. There is nothing worse than having your heart set on a home that ultimately you cannot qualify for the mortgage to buy. A critical part of the pre-approval is ensuring you have all of your documents ready, down payment in place, taxes filed, taxes paid, and income verification documents. Finally when it comes to the actual mortgage ensure you consider the terms of the mortgage and not just the rate. Different lenders have different terms and saving a little on rate could cost you way more in the long run due to a term in the mortgage you did not understand, realize or expect to get in the way of your future.

 

    • Mortgages For Teachers & Frontline Workers

    I am delighted to provide access to special mortgae rate offers and cashback to Teachers and Frontline workers.

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    • Home Purchase Mortgage Financing

    First-time homebuyers often face challenges when financing their homes. With little to no credit history or insufficient income to qualify for a conventional mortgage.

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    • Reverse Mortgages

    A reverse mortgage is a type of loan that allows homeowners to borrow against the equity in their home.

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    • Refinancing Mortgages

    Refinancing is often used by people to lower mortgage payments, pay for renovations, fund kids schooling, to invest in real estate or other investments.

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    • Switch / Transfer Mortgages

    Not Happy with your current bank or lender?
    Looking to lower your payments and save on interest costs?

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    • Smith Manoeuvre Mortgages

    A Smith Manoeuvre mortgage is a particular type of home loan that allows homeowners to use the equity in their homes to pay down their mortgages faster.

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    • Cash Back Mortgages

    A cash back mortgage is a type of home loan that gives borrowers a cash lump sum when they close on their property. This cash can be used for any purpose, from home renovations to paying off debt.

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    • Construction Mortgages

    Whether you are building one home, multiple units or have a construction project that is stalled I have a variety of solutions for you.

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    • Commercial Mortgages

    Using our team of professionals, we can help you with all kinds of commercial financing needs.

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    • Business Loans

    Finance your business without tying up all of your everyday cash.  As a small to medium business owner your cash is important to you and your operations.

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    • Investment Property Mortgage

    As a real estate investor myself I understand the challenges investors face qualifying for mortgages.  I know that I must understand your goals to best serve you.

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    • Real Estate Investment Advising

    Hi Everyone. My name is Keith Uthe and I am a Certified Real Estate Investment Advisor, Licensed Mortgage Agent, Realtor and Real Estate Investor.

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    • Equity & Private Mortgages

    Do you need to leverage the equity in your home to borrow money?  Depending on your situation there could be a few options available to you.

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    • Spousal Buyout

    Are going through a separation or divorce?
    Do you or your spouse want to stay in your matrimonial home?
    If so then this program is the solution for you.

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    • Renovation Financing

    Are you planning a major home renovation or something simpler? Let Our Calgary Mortgage Broker help you finance your home improvement projects.

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    • Consumer Proposal/Bankruptcy

    Many families may face budget challenges due to the amount of debt they carry. These could be mortgages, credit cards, lines of credit, car loans, and student debt.

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