Elnaz Ghavami
200-2005 Sheppard Ave. E. M2J 5B4 Toronto, ON, Canada

Let the equity in your house, work for you! Refinancing your mortgage to renovate your backyard not only adds value to your house it lets you create the oasis you need to escape this summer. Send me a message to discuss your options, my services are free.

As we get used to our new normal many Canadians are finding ways to get away close to home. You may be surprised to find out you can utilize the equity in your home to purchase a vacation property, just ask!

Happy 5th birthday to my cutie rainbow princess

Do you have questions about your mortgage? Maybe you are wondering if your current mortgage is still right for you. I have the tools needed to run the numbers and see if it makes sense for you to make a switch. Reach out today and schedule your free, Spring Mortgage Check-up.

If you are in the market to buy, send me a message for a pre-approval to find out how much you can afford. To help with the process, I included a list of items below you will need: ID Proof of employment Proof you can pay the down payment & closing costs... Info about any other assets you have (car, cottage, boat, etc.) Info about any debts or financial obligations that you have See more

Here are 7 tips to help you get approved for a mortgage: 1. Check your credit score 2. Save a larger down payment 3. Keep your income stable... 4. Pay down existing debt 5. Get a mortgage pre-approval 6. Get a great rate 7. Know what you can afford and what you can’t See more

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.

Rapidly Evolving Expectations in the Housing Market https://mortgageproscan.ca//reso/covid-19-consumer-reports #elnazghavami #mortgagealliance #mortgage #realestate #realtor #mortgagebroker #residentialmortgage #commercialmortgage #iraniancanadian #investment #realestateagent #househunting #mortgagelender #refinance #homeloans #finance #firsttimehomebuyer #forsale #realtorlife #creditrepair #loan #creditcard #lender #___ #_ _ # # ##

Bank of Canada Reaffirms Its Low-Rate Outlook https://www.canadianmortgagetrends.com//bank-of-canada-re/ #elnazghavami #mortgagealliance #mortgage #realestate #realtor #mortgagebroker #residentialmortgage #commercialmortgage #iraniancanadian #investment #realestateagent #househunting #mortgagelender #refinance #homeloans #finance #firsttimehomebuyer #forsale #realtorlife #creditrepair #loan #creditcard #lender #___ #_ #_ # # ##

Is it time to break your mortgage for a lower rate? 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.

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.

Latest in Mortgage News: OSFI Changes Rules for Mortgage Deferrals https://www.canadianmortgagetrends.com//latest-in-mortgag/ #elnazghavami #mortgagealliance #mortgage #realestate #realtor #mortgagebroker #residentialmortgage #commercialmortgage #iraniancanadian #investment #realestateagent #househunting #mortgagelender #refinance #homeloans #finance #firsttimehomebuyer #forsale #realtorlife #creditrepair #loan #creditcard #lender #___ #_ #_ # # ##

What to do if your mortgage deferrals are almost over and you cant pay https://globalnews.ca//73/mortgage-deferrals-end-cant-pay/

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.

Automatically renewing your mortgage with your current lender could mean you dont get the best mortgage rate and terms you may qualify for. Contact me today to discuss your options. #elnazghavami #mortgagealliance #mortgage #realestate #realtor #mortgagebroker #residentialmortgage #commercialmortgage #iraniancanadian #investment #realestateagent #househunting #mortgagelender #refinance #homeloans #finance #firsttimehomebuyer #forsale #realtorlife #creditrepair #loan #creditcard #lender #___ #_ #_ # # ##

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.

Dreaming of owning your own vacation home? I can make your dreams a reality. Contact me today to discuss your options, my services are FREE! *OAC. Some conditions apply. #elnazghavami #mortgagealliance #mortgage #realestate #realtor #mortgagebroker #residentialmortgage #commercialmortgage #iraniancanadian #investment #realestateagent #househunting #mortgagelender #refinance #homeloans #finance #firsttimehomebuyer #forsale #realtorlife #creditrepair #loan #creditcard #lender #___ #_ #_ # # ##

Fixed or variable? How much of a down payment do you need? What is mortgage default insurance? Do you qualify for any first-time home buyer incentives? When it comes to securing your mortgage there are a lot of questions. That's where I come in. I'll help you navigate the process, present you with options, and ensure you get not only the best rate but the terms you need. Feel free to reach out with any questions, I'm here to help.

With interest rates low, and expected to stay there, now is a great time to refinance to pay off high interest debt. Use this as an opportunity to streamline your finances and incorporate everything into one payment, your mortgage. Contact me for a free 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.

HAPPY CANADA DAY

3 Reasons you should use a mortgage broker vs going to your bank: 1. Better rates Because lenders compete for our business, we get access to discounted rates based on volume and we pass these savings directly on to you. 2. Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you get access to dozens of lenders.... 3. Our services are free we are compensated by the lender.

Happy Fathers Day

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.

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 qualifying announcement, and our ever-changing rate landscape, now more than even you should be seeking the advice of 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.

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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.

My focus is to support my customers in these stressful times while ensuring their health & safety. With the necessary tools & technologies integrated in my business processes, I am able to assist you virtually with all your mortgage needs.

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.

Deferred mortgage payments with your lender? Your credit score shouldn't be affected as long as its coded properly. However, the principal increase on your mortgage may have an impact. With policies developing, check with your lender & Equifax regularly

As your mortgage professional, I would be happy to look at your current mortgage to see if you can save money in interest or help you plan for your next move. Contact me today to get started!