Pete Chattha Mortgage Alliance Enrich Mortgage Group
4620 MacLeod Trail S T2G 5E8 Calgary, AB, Canada

Are you getting ready to buy your first home or move to your next home? The #1 thing you can do is get advice early. Talking with a mortgage professional like myself will help you understand: What you can afford The downpayment you need Costs involved with buying a home... Improving your credit Prepayment options Refinancing penalties (if you decide to do so down the road) Budgeting and more! Send me a message today and lets start the conversation.

For some the answer is easy, while for others in a fixed-rate mortgage it can become a difficult and complex question when facing prepayment penalties. What we know for sure is that rates are at record lows. If you are unsure of whats best for you, reach out. Together we will run the numbers to see what makes sense for you.

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If you currently own a home, now is the right time for a mortgage checkup to find out if you can save on interest costs and what steps you can take today to help you get closer to reaching your short- and long-term financial goals. Always remember that as a Mortgage Professional Im here to offer you unbiased advice and answer any questions you might have. Please dont hesitate to reach out.

Rates are low and can be locked in for 90 days. If you are thinking about buying a new home, contact me so you can be ready to make an offer.

With rates being low, and expected to stay for a while, now is a great time to unlock equity through refinancing or a home equity line of credit (HELOC). Refinancing allows you to access equity and possibly obtain a better interest term and rate. Where as 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.

We want to pay your mortgage! One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000. Contact me for more details or click the link below. It pays to use the right broker!... https://www.mortgagealliance.com//MortgageAllianceWinYourM

Using a mortgage broker gives you access to lending options you cant get on your own. We deal with many lenders, from major banks to private lending options. When you are ready to renew, refinance or purchase your next home, contact me for a consultation.

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

Win your mortgage payments for a year! One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000. Contact me for more details or visit: https://www.mortgagealliance.com//MortgageAllianceWinYourM

With all the information you have been hearing about interest rates and policy changes it makes sense to schedule a free mortgage check up. We will look at your current rate and term, discuss your plans and make sure your mortgage is right for you. Send me a message and we can start your mortgage check up today.

Are you a homeowner that can benefit from the current low rates? According to CIBC Economics, the weighted average mortgage rate currently paid by borrowers [is] roughly 50 basis points higher than the current rate no less than 20% of borrowers have already renegotiated their rates. We expect more to come. Contact me and we can do a cost/benefit analysis for you as well as look at other options.

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CMHC recently announced that as of July 1 they will be tightening their underwriting guidelines which will have a huge impact on buying power for Canadians. In Canada we have 3 companies that provide mortgage insurance for those who need to buy with less than 20% down. CMHC is the most popular because they are government owned, but Genworth and Canada Guaranty announced they will not follow CMHC in tightening their policy. This is one more reason why it is so important to work with a mortgage broker who can give you options.

With the recent CMHC announcement about qualifying for a mortgage, and our ever-changing rate landscape, now more than even you should be working with a Mortgage Broker. We deal with multiple lenders and flexible terms. As we have all seen over the past few weeks life changes, your mortgage needs to adapt with you. Contact me for a free, unbiased, consultation.

I work for you! As a mortgage broker I shop the market to save you money. One call gives you access to dozens of banks, credit unions and trust companies.

Getting in touch before renewing will simply help you make a better decision, especially since the current rate environment is very confusing. Its important to have the conversation early so there is time to review your financial goals, determine if it makes sense to switch your mortgage for a lower rate, or possibly refinance to consolidate debt. Overall, its an important moment of opportunity because you can renegotiate everything pertaining to your mortgage with no penalties.

Should you break your fixed rate mortgage to save money? Every situation and mortgage agreement is different. Contact me and we can review your situation to see if the cost to break your mortgage is worth the savings over time.

Are you renewing this year, planning to buy or looking to unlock equity? The pandemic might have thrown a wrench in your plans and you are uncertain about your options. Reach out for free, honest, unbiased advice.

As a mortgage broker I work for you. I have access to multiple lenders to find the product and rate that meets your needs. A mortgage specialist at the bank works for the bank. They have access to 1 lender and want to sell their product, not necessarily what is best for you. Now more than ever you need a broker on your side. Contact me for a free consultation. Im here to help and answer your questions.

I'm here to help! Thanks to technology we are still able to connect, answer your questions and complete transactions whether you are buying, refinancing, or renewing your mortgage.

Even in uncertain times its important to look ahead to the future. Here are 4 ways first-time buyers can get assistance to help achieve their goals of home ownership.

As we navigate turbulent waters the best advice I can give you is to get in touch early if you are anticipating any challenges. Whether you need a new mortgage or are unsure of your current situation, there has never been a better time to get advice tailored to you.

During these difficult times it is important for purchasers to know that we are seeing delays in all aspects of the mortgage loan process from application to appraisals. What we want you to know is that this situation is new to all of us, brokers and lenders are working diligently to meet the needs of Canadian Mortgage Consumers. As a reminder, the following options may be available to assist homeowners during these times. Contact me with any questions, Im here to help. De...ferral of payments Re-amortization of the loan Capitalization of outstanding interest & costs Special payment arrangements See more

If you find yourself in the position that you need help with your mortgage payments due to COVID-19 please reach out. Most lenders have options available to skip a payment or put a hold on a payment. Each lender has different options and have updated their policies. If you have any questions do not hesitate to reach out. As a mortgage professional Im here to provide unbiased advice and counsel during these times.

Lower Your Monthly Payments. Message Peter here or text 403-630-4644 today. This 5 year high ratio variable rate won't last long. Oac and conditions apply.

Buying Power! The Stress Test changes coming into effect this April will give buyers access to about 5% more buying power. Its more important now than ever to use a broker not only to get unbiased advice but also access to the best rates.

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Due to the recent Stress Test changes we can expect a spike in the spring market. Experts are saying we could see anything from an increase of house prices to interest rates rising. What we know for sure is that come April 6th, what buyers qualify for will be more in line with what they can afford finally! If you are thinking about buying this spring, the best thing you can do today is secure your rate! A rate hold is generally good for 120 days so that means you can secure the lowest rate available to you today and if rates rise you will be protected, if they drop you can still take advantage of a lower rate.

Call us Today. Dare to Compare our rates!

We are well into 2020 and all signs are looking positive for Canadians and their home ownership aspirations. While home prices havent appreciated in 2019 to the same extent as in previous years, Canadian Mortgage and Housing Corporation (CMHC) is predicting that the bounce back is expected to play out quicker than whats been anticipated on the sales front. While more sales are expected, an increase in activity and prices usually follow, thats why it might just make sense... to act now and see what you could qualify for if youre a first time home buyer or if youre thinking of moving up to the next home. Did you know that it might be possible to move up to a bigger home or your dream home without increasing your monthly payment significantly, especially if you have built some equity in your current home or have paid down your mortgage over the last few years? It is even possible to move without having to pay penalties on your existing mortgage. Together we can find out whats possible for you. February is typically one of the best months to get pre-approved. Rates are low and those rates can be locked in for 90 days meaning if you decide to buy and interest rates move upwards, youre protected. So if you or someone you know is thinking of getting a mortgage pre-approval, contact me for a free pre-approval.

If you want to get in the market but feel like it's impossible, lets talk. I will review your current financial situation and set you on a plan to homeownership.

Start the year off right with a free mortgage check up. We can take a look at your current mortgage to see if there are ways you can save, or we can help you plan your next move.

Talk to me about smart financial solutions including a unique and ultra-competitive free cash back credit card that offers 5% Cash Back on home improvement purchases*. Send me a message for more information or to apply. *Some conditions apply.

If you own a home with reasonable equity in it you may be surprised to find out you can unlock that equity to reinvest. Just ask how.

This is great news if you are looking to renew, refinance or purchase a home in 2020! Remember, if you are thinking of buying get a rate hold. This way you can always ensure you are getting the best possible rate available to you. https://www.livabl.com///canadian-mortgage-rates-2020.html

47% of all homebuyers last year were first-time homebuyers. Lets discuss how you can create a first-time homebuyers plan for 2020 and start your journey to home ownership. *Source CMHC 2019 Consumer Survey