Alicia Pinto
200-2005 Sheppard Ave E M2J 5B4 Toronto, ON, Canada

Your mortgage renewal is your opportunity to renegotiate your mortgage and possibly save thousands. Automatically renewing your mortgage with your current lender could mean you don’t get the best mortgage rate and terms you may qualify for. Send me a message to discuss your options.

Accessing equity in your home to pay off high interest debt is a smart financial move. Not only does it reduce interest payments, it can potentially free up more cash each month. Reach out today to learn more about refinancing your mortgage.

A mortgage pre-approval is a quick and easy process that lets you know the maximum amount of mortgage you qualify for and allows you to estimate your mortgage payments. Reach out today for a free pre-approval!

Be ready for the fall market! Rates are low and can be locked in for 90 days. If you are thinking about buying a new home, send me a message so you can be ready to make an offer.

A recent study found that 60% of homeowners plan to renovate their home within the next 2 years. When it comes to accessing funds for a renovation, you have options! Whether it is through refinancing, a HELOC or alternative credit products, I will work with you to see what's best for you. Reach out today.

Getting ready to buy, renew or refinance? Send me a message to experience what 85% of Mortgage Consumers already know.

Your credit score determines what loans you qualify for and the interest rate you will pay. Here are 4 tips to help you increase your credit score. 1. Pay all your bills on time. 2. Avoid maxing out your credit. Balances above 50% of your credit limit will harm your credit. Aim for balances under 30%. 3. Have a variety of credit accounts. Having a mix of credit products (credit card, retails store card, line of credit, car loan etc.) will produce more points on your file than... having only one type of credit. 4. Use your credit! The biggest tip to a good score is to use credit and repay that credit on time all the time. See more

It is important to regularly evaluate the options that are available to reduce personal debt, increase cash flow and identify potential savings. As a Mortgage Professional, I have access to a variety of solutions that can eliminate debts such as credit cards and other loans without affecting your existing mortgage. It may also be possible to roll your debts into your existing mortgage and reduce your monthly payments. Send me a message for more information or to schedule your mortgage check-up.

I specialize in helping homebuyers get approved! Before you buy, refinance, or renew with your current lender, reach out for a free consultation.

Not only do 85% agree homeownership is a good long-term financial investment but 85% of home buyers also felt that a Mortgage Broker would get them the best mortgage rate or deal vs their bank. If you are looking to buy, renew or refinance, send me a message for a free consultation about your home ownership goals!

Dreaming of buying a vacation home? You may be surprised to find out you can leverage your existing home equity to purchase your very own vacation home. Ask me for details, I'm here to help!

Unlocking equity through refinancing or a home equity line of credit (HELOC) is a great way to leverage the value of your house. Refinancing allows you to access equity and possibly obtain a better interest term and rate. Whereas a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money. If you are interested in exploring the possibilities available to you send me a message for a free consultation.

Looking to reinvent your space this summer? Let me show you how to leverage the equity in your home to fund your home renovation. Not only will you make home your happy place, you will also increase its value! Send me a message and we can explore your options.

High interest credit card debt can take years to pay off when making the minimum payment. Did you know that you can consolidate high interest debt into your mortgage by refinancing? A strategy like this can potentially free up hundreds of dollars a month depending on your situation. Send me a message to see if refinancing to pay off high interest debt is the right solution for you.

One call can give you access to tons of lending options you can’t get on your own. From major banks to private lenders and credit unions, using a mortgage broker gives you access to all of them. Contact me for a free consultation.

A lot has gone on this year in the mortgage market. We have had everything from rate drops to deferrals to restrictions come at us and your personal situation may have changed. As the year comes to an end, if you have not made time for your annual mortgage check-up, now is the time! Send me a message and we can review your situation, free of charge, to ensure you are getting the mortgage that’s right for you.

To best meet your needs, mortgage brokers like myself, have a wide array of products to choose from banks, private sources, independent lenders, etc. If you are in the mortgage market, we should talk. Whether you are looking to explore your options or get a second opinion, the lending options available could save you thousands!

Regardless of your financial milestones it is important to know what makes up your score so you can keep it on track. Pay your bills on time, have a good mix of credit accounts, and keep a lower ratio of debt used to credit available. Click below for more details about factors that impact your credit score. https://www.consumer.equifax.ca//what-impacts-credit-sco/