Thinking about purchasing your first home . . . how exciting! Learning about the various options available to you and determining those which are most beneficial to you is the first step toward being a smart home-owner. You can even be pre-approved for your mortgage financing first. There is no obligation or commitment on your part. By dealing with Mohit, he can eliminate the worry and stress in your financial picture.

Your existing mortgage is just about at the end of its term. Call your bank and find out what rate they can offer you now. Then call Mohit. Through Verico The Mortgage Leader, he has access to over 30 lenders that bid for your business. This time, YOU have the upper hand.

Have you had a financial crisis or other event in your life that caused you to become bogged down by debt? If your high interest debts are making the monthly payment load too hard to handle, call Mohit and he will see what he can do to improve your situation.

Take equity out of your home for debt consolidation, vacations, and investments. Call me today to find out how.

If you have been late in making payments or had other situations which impaired your credit rating, Mohit may be able to assist you to renew your existing mortgage or locate a lender to mortgage your home purchase. Thereafter, Mohit will provide you with free advice regarding how to repair your credit record. This will allow you will be in a much better bargaining position when it comes time to renew your mortgage.

If you are presently locked into a long-term mortgage, Mohit has access to in-house funds on the basis of your home equity. These funds can be structured so that repayment co-exists with your first mortgage.

In addition to residential financing, Joanne provides commercial mortgage financing for a wide range of products for both conventional loans and those insured by Canada Mortgage and Housing Corporation. Wanting to negotiate a long-term mortgage for an apartment building, shopping centre, office building or industrial property? Call Mohit today and he will find you the most economical long-term financing in the marketplace.

If you are self-employed and cannot prove your income following standard income confirmation guidelines, and are interested in purchasing a property with as little as 5% down payment, there are mortgage solutions that can meet your needs, subject to certain conditions.

In order to have your mortgage approved through major banks you would usually have to meet minimum guidelines related to your credit score, the years in business, and offer satisfactory proof that your business is indeed active and operating. The mortgage will be insured by one of the three insurance companies at somewhat higher insurance premiums than is the case when providing standard income confirmation.

If you do not meet minimum guidelines, you always have the option of obtaining a combination of a first and a second mortgage. In certain cases, it might be more beneficial for you to take this avenue. Even though you will pay a higher rate on a second mortgage over a particular period of time, the overall cost of borrowing may be less given the relatively high insurance premiums associated with one mortgage only.

Call Mohit and he would compare all the available options and suggest the one that costs you the least.