Mortgage Broker Services Calgary, Alberta
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.
- First Time Home Buyer Mortgage
The typical first-time home buyer has limited funds for their down payment. Through an insured mortgage you can achieve your goal of home ownership. Leveraging savings in your registered retirement funds (RRSP) you can access up to $25K per person tax and interest free for your down payment.
- Reverse Mortage
A reverse mortgage is a type of loan that allows homeowners to borrow against the equity in their home. The loan does not have to be repaid until the borrower dies, moves, or sells the home. Reverse mortgages can be an attractive option for seniors who want to supplement their income or stay in their homes longer.
- Mortgage Refinance
Refinancing is often used by people to lower mortgage payments, pay for renovations, fund kids schooling, to invest in real estate or other investments. Sometimes we need to look at creative solutions to tap into your home equity to reduce payout penalty costs until we can refinance at your renewal date.
- Switch / Transfer Mortgage
Not Happy with your current bank or lender?
Looking to lower your payments and save on interest costs?
Did you know that you can switch between lenders even if your mortgage is not up for renewal?
- Debt Consolidation Mortgage
Are you short on cash every month?
Is the weight of your unsecured debts causing you stress?
A debt consolidation will lower your overall monthly payments and assist you in paying off your debt faster at lower interest.
- Equity Mortgage Lending
- 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.
- Commercial Mortgages
Using our team of professionals, we can help you with all kinds of commercial financing needs.
- Business Financing
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. So being able to grow and still keep your cash is very important in solutions available to you.
- Private Lending
Do you have RRSP’s, Stocks, Savings or other investments that are under performing on their rate of return? Securing your capital against real estate for higher rate returns is something you may want to consider.
- 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. I began investing in real estate in 2003, along with my partner; Nancy in 2003 and we now own 17 doors, have five joint venture partnerships.
- Investment Property Mortgage
- Flip Financing
Do you like to renovate and flip property as a business? Are you completing renovations on a property you will keep? I know the financing challenges you face and the solutions that will work for you.
- Spousal Buyout Mortgage
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.