Ashley Sandercock Mortgage Agent

Real Estate Agents are the experts in the realty industry and once they get to know you, they can match you with the right home while taking some of the stress off your shoulders. . . Like a great mortgage broker, a solid real estate agent can guide you through the home buying/selling process, show you what to watch out for and make sure your new home is exactly what you wanted. They will have your back and support you every step of the way.... . . If you are looking to buy or sell your home, please reach out and I can give you names of Realtors who are hard-working, genuine, knowledgeable and will take the stress out of the buying/selling experience. See more

Buying a house is one of the largest financial decisions of your life; but how do you know when you're ready to buy a home? . . Buying a home is part finance stability, and part mental and emotional preparedness. .... . With out a doubt, you will need to make sure your finances are in order. That means showing a lender that you have a history of bringing home a consistent paycheck from your job, having the right amount of down payment saved, depending on what type of loan you qualify for, and having enough money on the side to pay closing costs. . . Then you will need to have decent credit. The higher your credit, the better rate you will receive. . . And last, are you prepared to settle down for at least a few years? Having to move or sell your home for what ever reason, is costly. Especially if you do so soon after you purchase your new home. . . So if you meet the requirements of these steps, you most definitely could be ready for home ownership! Message me today if you would like more information or let's set up a time to chat about your homeownership goals and make 2021 the year you bought a home! . . #wannabuyahouse #homegoals #realestatetip #firsttimehomebuyer #yorkregionmortgageagent #yorkregionmortgagebroker #yorkregionagent #mortgagebroker #yorkregionrealestate #georginaliving #georginalife #yorkregionliving #mortgageneeds #homeownership #investment See more

Real Estate Agents are the experts in the realty industry and once they get to know you, they can match you with the right home while taking some of the stress off your shoulders. . . Like a great mortgage broker, a solid real estate agent can guide you through the home buying/selling process, show you what to watch out for and make sure your new home is exactly what you wanted. They will have your back and support you every step of the way.... . . If you are looking to buy or sell your home, please reach out and I can give you names of Realtors who are hard-working, genuine, knowledgeable and will take the stress out of the buying/selling experience. See more

Coffee and an opportunity to save money. Sounds pretty good to me ! Contact Mike Hurl - Allstate Canada Agent for all the details.

If your mortgage term is up for renewal in March 2021 that means you are within 120 days from your maturity date. Most lenders do a 120 day rate hold for your closing date. If rates go up, your rate is locked in. Don't worry, if rates drop before your closing date we can still get you the lower rate. Now is the time to consider if you need additional funds for house repairs, children's education, investments, pay off debt etc. as there is no penalty to do... so. If you would like to explore your options or have any questions about your upcoming maturity date, let's chat! Ashley Sandercock Mortgage Agent 905-715-2205 [email protected] See more

Mortgage Brokers do not charge large fees. Except in the case of a Commercial Mortgage or a Private Mortgage, Mortgage Brokers are compensated by the lender after your mortgage closes. Therefore, you DO NOT have to pay a fee for a mortgage broker’s services. However, in unusual/special circumstances, where you have agreed to pay a fee, that fee must be disclosed to you in writing. If you have ANY questions at all, please reach out. At ...zero cost to you we can discuss numbers, your future investments plans, credit and more. Ashley Sandercock Mortgage Agent 905-715-2205 www.mortgageswithashley.ca See more

Buying a house is one of the largest financial decisions of your life; but how do you know when you're ready to buy a home? . . Buying a home is part finance stability, and part mental and emotional preparedness. .... . With out a doubt, you will need to make sure your finances are in order. That means showing a lender that you have a history of bringing home a consistent paycheck from your job, having the right amount of down payment saved, depending on what type of loan you qualify for, and having enough money on the side to pay closing costs. . . Then you will need to have decent credit. The higher your credit, the better rate you will receive. . . And last, are you prepared to settle down for at least a few years? Having to move or sell your home for what ever reason, is costly. Especially if you do so soon after you purchase your new home. . . So if you meet the requirements of these steps, you most definitely could be ready for home ownership! Message me today if you would like more information or let's set up a time to chat about your homeownership goals and make 2021 the year you bought a home! . . #wannabuyahouse #homegoals #realestatetip #firsttimehomebuyer #yorkregionmortgageagent #yorkregionmortgagebroker #yorkregionagent #mortgagebroker #yorkregionrealestate #georginaliving #georginalife #yorkregionliving #mortgageneeds #homeownership #investment See more

If your mortgage term is up for renewal in March 2021 that means you are within 120 days from your maturity date. Most lenders do a 120 day rate hold for your closing date. If rates go up, your rate is locked in. Don't worry, if rates drop before your closing date we can still get you the lower rate. Now is the time to consider if you need additional funds for house repairs, children's education, investments, pay off debt etc. as there is no penalty to do... so. If you would like to explore your options or have any questions about your upcoming maturity date, let's chat! Ashley Sandercock Mortgage Agent 905-715-2205 [email protected] See more

Hello! I am Ashley - the face behind this account :) A little about me : ... I'm a mom of two beautiful kids. Spencer who is 2.5yo & Olive who is just shy of 1yo. My spouse's name is Alan. Fun Fact: We met waaaay back in Grade 4 Elementary School but didn't start dating until the age of 29. We also have a French Bulldog named Molly who is like our third child and often needs more attention than the actual kiddies. I studied pharmacy in College, although I did not pursue a career in the field. I have worked in the legal world as a Client Service Representative with the Ministry of the Attorney General for 14 years prior to launching my career as a Mortgage Agent. I cannot go a day without coffee. I also love red wine.. and chocolate! I do not have a green thumb bone in my body. It is a miracle that I have two children and a dog. I love talking to people and learning about their goals and outlook on things. Thank you for taking this journey with me. Please reach out to say hi, and even suggest your favourite coffee or wine for me to try! See more

Mortgage Brokers do not charge large fees. Except in the case of a Commercial Mortgage or a Private Mortgage, Mortgage Brokers are compensated by the lender after your mortgage closes. Therefore, you DO NOT have to pay a fee for a mortgage broker’s services. However, in unusual/special circumstances, where you have agreed to pay a fee, that fee must be disclosed to you in writing. If you have ANY questions at all, please reach out. At ...zero cost to you we can discuss numbers, your future investments plans, credit and more. Ashley Sandercock Mortgage Agent 905-715-2205 www.mortgageswithashley.ca See more

DID YOU KNOW? Down payment funds can often come from an immediate family member as a gift. A gift letter will be required indicating that the funds are not to be repaid by the borrower. Of course, it is dependent on the lender as well. ... If you have questions about how much funds you need, the source or general inquiries, please reach out. It is best to be prepared and have a plan in place before searching for a home. Ashley Sandercock Mortgage Agent 905-715-2205 [email protected] See more

You do not need perfect credit to buy a home. I am sure we would all like to say we have perfect credit. That is not the cause for a lot of clients. Often, there is a life event that has happened causing clients to have their credit impaired/bruised. ... As a Mortgage Agent I have access to products that allow clients financing while they get their credit issues resolved. If you are not sure of your own credit score, you can obtain your own report from Equifax or TransUnion. If you are checking your score using Credit Karma or other sites, please note that their scores are rated differently and that the numbers may not match when applying for financing. If you have any questions about your score, how to increase it or what may possibly damage your credit score, lets connect. I would love to help! Ashley Sandercock Mortgage Agent 905-715-2205 [email protected] See more

Hello! I am Ashley - the face behind this account :) A little about me : ... I'm a mom of two beautiful kids. Spencer who is 2.5yo & Olive who is just shy of 1yo. My spouse's name is Alan. Fun Fact: We met waaaay back in Grade 4 Elementary School but didn't start dating until the age of 29. We also have a French Bulldog named Molly who is like our third child and often needs more attention than the actual kiddies. I studied pharmacy in College, although I did not pursue a career in the field. I have worked in the legal world as a Client Service Representative with the Ministry of the Attorney General for 14 years prior to launching my career as a Mortgage Agent. I cannot go a day without coffee. I also love red wine.. and chocolate! I do not have a green thumb bone in my body. It is a miracle that I have two children and a dog. I love talking to people and learning about their goals and outlook on things. Thank you for taking this journey with me. Please reach out to say hi, and even suggest your favourite coffee or wine for me to try! See more

DID YOU KNOW? Down payment funds can often come from an immediate family member as a gift. A gift letter will be required indicating that the funds are not to be repaid by the borrower. Of course, it is dependent on the lender as well. ... If you have questions about how much funds you need, the source or general inquiries, please reach out. It is best to be prepared and have a plan in place before searching for a home. Ashley Sandercock Mortgage Agent 905-715-2205 [email protected] See more

Debt Service Ratios Depending on the lender Debt Service Ratios guidelines fall between 35-39% GDS and 42-44% TDS. ... #mortgageagent #mortgagebroker #yorkregionmortgageagent #georginarealestate #homeownership #refinance #financialplanning #firsttimehomebuyer #secondhome #realestateinvesting See more

You do not need perfect credit to buy a home. I am sure we would all like to say we have perfect credit. That is not the cause for a lot of clients. Often, there is a life event that has happened causing clients to have their credit impaired/bruised. ... As a Mortgage Agent I have access to products that allow clients financing while they get their credit issues resolved. If you are not sure of your own credit score, you can obtain your own report from Equifax or TransUnion. If you are checking your score using Credit Karma or other sites, please note that their scores are rated differently and that the numbers may not match when applying for financing. If you have any questions about your score, how to increase it or what may possibly damage your credit score, lets connect. I would love to help! Ashley Sandercock Mortgage Agent 905-715-2205 [email protected] See more

What can I finance before closing day?.... NOTHING. Using credit and financing purchases prior to funding can negatively impact on the closing of your property as it will alter your Gross Debt Service Ratios and that could be a deal breaker.... Life can throw us some curveballs and if there is an emergency situation where you are needing to use credit, please reach out. We can run the numbers together and make a plan so that it won't negatively impact your purchase. If you have any questions, please ask! I'd love to connect. Ashley Sandercock Mortgage Agent 905-715-2205 [email protected] See more

Debt Service Ratios Depending on the lender Debt Service Ratios guidelines fall between 35-39% GDS and 42-44% TDS. ... #mortgageagent #mortgagebroker #yorkregionmortgageagent #georginarealestate #homeownership #refinance #financialplanning #firsttimehomebuyer #secondhome #realestateinvesting See more

What can I finance before closing day?.... NOTHING. Using credit and financing purchases prior to funding can negatively impact on the closing of your property as it will alter your Gross Debt Service Ratios and that could be a deal breaker.... Life can throw us some curveballs and if there is an emergency situation where you are needing to use credit, please reach out. We can run the numbers together and make a plan so that it won't negatively impact your purchase. If you have any questions, please ask! I'd love to connect. Ashley Sandercock Mortgage Agent 905-715-2205 [email protected] See more

How much can a 1% difference save you? As the interest rates are at a historical low, now may be the time to break your current mortgage term and switch or refinance. ... Here is an example of how much a 1% difference could save you.... On an insured mortgage of $500,000 on a fixed 5-year term: At 2.84% interest paid in 5 years = $65,573.55 At 1.84% interest paid in 5 years = $42,161.75 That is $,. in savings at the end of a 5-year term. It only takes a phone call to find out how much you can save by switching or refinancing your current term. Ashley Sandercock 905.715.2205 [email protected] #mortgageagent #mortgagebroker #yorkregionmortgageagent #georginarealestate #homeownership #refinance #financialplanning #secondhome #realestateinvesting See more

DID YOU KNOW? 28% of owner-occupied homes are in need of minor or major repairs. ... 26% of Canadians are considering a renovation to their current home and 50% of those do not know how they will finance the renovation with 12% of people planning to use equity. If you are one of those 26% and would like to learn about your options or help create a plan, please reach out and I would be happy to chat! Ashley Sandercock 905.715.2205 [email protected] #mortgageagent #mortgagebroker #yorkregionmortgageagent #georginarealestate #homeownership #refinance #financialplanning #firsttimehomebuyer #secondhome #realestateinvesting See more

How much can a 1% difference save you? As the interest rates are at a historical low, now may be the time to break your current mortgage term and switch or refinance. ... Here is an example of how much a 1% difference could save you.... On an insured mortgage of $500,000 on a fixed 5-year term: At 2.84% interest paid in 5 years = $65,573.55 At 1.84% interest paid in 5 years = $42,161.75 That is $,. in savings at the end of a 5-year term. It only takes a phone call to find out how much you can save by switching or refinancing your current term. Ashley Sandercock 905.715.2205 [email protected] #mortgageagent #mortgagebroker #yorkregionmortgageagent #georginarealestate #homeownership #refinance #financialplanning #secondhome #realestateinvesting See more

DID YOU KNOW? 28% of owner-occupied homes are in need of minor or major repairs. ... 26% of Canadians are considering a renovation to their current home and 50% of those do not know how they will finance the renovation with 12% of people planning to use equity. If you are one of those 26% and would like to learn about your options or help create a plan, please reach out and I would be happy to chat! Ashley Sandercock 905.715.2205 [email protected] #mortgageagent #mortgagebroker #yorkregionmortgageagent #georginarealestate #homeownership #refinance #financialplanning #firsttimehomebuyer #secondhome #realestateinvesting See more