Brandon Haskins, Mortgage Agent

. . . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #Finance #FinancialFreedom #Follow #FollowMe #Growth #Home #HomeLife #HomeLoan #HomeOwner #HomeSweetHome #House #RealEstate #RealEstateAgent #Wealth

May your bank account balance always match your beer today If your financials are looking red these days, let me find a solution. Tapping into the equity in your home may be the answer to have you running in the green again. . .... . . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #HomeLife #Budget #CMHC #DownPayment #FirstTimeHomeBuyer #FirstTimeHomeBuyers #HomeBuyer #HomeBuyersPlan #HomeBuying #HomePurchase #HouseHunting #PreApproval #NewHome #MortgageRate See more

ATT: FIRST TIME BUYERS Educating yourself about the mortgage and home buying process before heading into the house hunting world is always a good idea. Let me walk you through the process and provide you with a step by step guide so you know exactly what to expect. Shoot me a message to set up a time to chat. . .... . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #HomeLife #Budget #CMHC #DownPayment #FirstTimeHomeBuyer #FirstTimeHomeBuyers #HomeBuyer #HomeBuyersPlan #HomeBuying #HomePurchase #HouseHunting #PreApproval #NewHome #MortgageRate See more

Don’t forget that it’s Daylight Savings time! If you’re losing sleep over more than just the time change, reach out and I can offer financial solutions that will take care of your debt, take a load off your shoulders and have you sleeping soundly again in no time. . .... . . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #Finance #FinancialFreedom #Follow #FollowMe #Growth #Home #HomeLife #HomeLoan #HomeOwner #HomeSweetHome #House #RealEstate #RealEstateAgent #Wealth See more

The amount of down payment you need depends on the purchase price of the home you're looking at. It's also a key aspect of a mortgage application. A down payment can come from a variety of sources, including RRSP's, saving accounts of family members. When applying for a mortgage, I will need to know where your downpayment funds are coming from. The source of the funds will determine the questions I ask you. Not sure how much down payment you need to save for? Message me and I can let you know the amount for your specific budget.

Employment Details are extremely important when applying for a mortgage. When I work with clients, I ask A LOT of questions about employment. What do you do for work? Who is your current employer? How long have you been with the employer? Are you paid on a routine basis on salary? How much base salary do you earn a year? That's just a sample of some of the questions I ask. When you're considering buying a home, or refinancing your home, knowing the specifics of your employment details is important.

The FIRST step in your home buying process should be to review your BUDGET. Knowing how much mortgage payment you can afford each month is key. The amount you determine you can afford and what a lender approves you for will probably be different. If you don't know where to start, shoot me a message and I will send along my simple budget worksheet.

Going shopping without a budget is never a good idea. Home shopping is no exception. Before you head out house shopping, or find a Real Estate agent, you should know what mortgage amount you qualify for. Knowing your qualifying amount means you will start your house hunting journey off right, looking at homes within the proper price range for your budget.

Searching for a mortgage can be overwhelming, stressful and challenging when you're not an expert. Using a mortgage agent means you have an expert walking you through the process step by step, answering questions, overcoming any challenges you may run into and always prioritizing your goals and interests.

1 Life Insurance 2 Disability Insurance 3Critical Illness Insurance There are many different types of insurance available to protect you and your family during challenging times. Having coverage in a wide range of scenarios means you can continue to meet your financial obligations, including making your mortgage payments. ... If you'd like to learn more about your insurance options and possibilities, please reach out and I will connect you with one of my business partners who are insurance experts.

Bridge financing is useful when you are selling a home and purchasing another If you take possession of your new home before your previous home closes, bridge financing is the tool used to own both homes for a short amount of time. Aligning closing dates for your new and previous home can be challenging. When it doesn't work out, we always have options.

Are you still off work due to COVID-19? Did you apply for CERB last week? If not, make sure to apply for the next period of CERB. It runs until August 29th. Remember you can apply for up to 6 periods (24 weeks) in total. Click for more information about how to apply. https://www.canada.ca//s/benefits/ei/cerb-application.html

My assistant appears to spend most of his time just playing around in my office. On the bright side, he is outstanding at maintaining client confidentiality and rumour has it he will offer the best mortgage rates in exchange for Goldfish crackers and yogurt drinks.

Home Insurance It's necessary to protect your home against any losses or damages. It ensures you, the home owner, is protected as well as the mortgage lender. Home insurance is required before a mortgage funds on closing day. Make sure to keep this mind throughout your home buying process.

For first time home buyers, gathering enough funds for a down payment can be a challenge. Luckily, there are a few different sources for a down payment. 1Funds from accumulated savings 2Withdrawl from an RRSP 3Gifted funds from an immediate family member

Focusing only on the rate when you're looking for a mortgage can lead you to expensive penalties down the road. Over the term of your mortgage, a lot can change. The market can change, your personal financial situation could change or you could simply want to tap into the equity in your home. Understanding the penalties of each mortgage product is important before you decide which mortgage is right for you. Sometimes taking a slightly higher interest rate in exchange for low penalties is the best, most flexible option.

As everyone is adjusting to the new normal, I want to provide an update on how I am providing service to clients. I can meet with you virtually, in person or a combination of the two. I am welcoming clients back into the office for meetings with increased cleaning practices. Whatever your comfort level is, we can create a plan to ensure you feel safe and comfortable while taking care of your mortgage needs.

Did you head back to work in Phase 3 of reopening in Ontario? If you're back to work, and no longer collecting income from CERB, you could now qualify for a mortgage. If this is your scenario, reach out and I can provide more information.

Whether you're staying home to provide child care or just enjoying some extra time away from work, it's important to understand how unpaid time off can affect a mortgage application. If you're currently house hunting and you find yourself away from work on unpaid time, reach out. Together we will devise a plan to ensure your unpaid time off isn't a road block to a mortgage approval.