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7-75 First St L9W 2C5 Orangeville, ON, Canada

Has your family outgrown their home? Are now wondering if you can afford a bigger home? This is the perfect time to make a move to something more suited to your growing family’s needs. It is important to see how much you can get approved for. Talk to the experts and get personal mortgage advice for what is essential to you.... Visit: www.getmortgaging.com Email: [email protected] or [email protected]

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I get this question quite often. My answer is a bit long-winded but if you have any additional thoughts please leave your comments below. The question is: Should I sell now and rent for a couple of years then get back into the market?... Hi... I think that the risk in doing this outweighs the benefits. Here is why There are several risks to getting out of the Real Estate Market. There is the question of whether the market goes up or down There is the question of whether you will save living expenses renting as opposed to owning Trying to predict how the market will perform is not very exact (If I could predict the future correctly 51% of the time, I would be a very wealthy man!) but on average, the Real Estate market goes up between 3% and 5% a year. This is taking into consideration the ups and downs over time. So, the risk is that when you decide to get back into the market prices will have gone up and not down (I know you have thought of this one) The other issue is whether renting is actually cheaper than owning. Rental amounts cost about the same as mortgage amounts do for the same type of home. So, if you rent a cheap place (In downtown Toronto they are getting a bit easier to find these days due to so many Air BnB’s coming onto the market for longer-term rentals) you can save in your monthly costs. Do you have the discipline to do that?? But with interest rates being as low as they are, about of your mortgage payment goes back into the principle. This means that a large chunk of your mortgage payment goes back into your pocket, where ALL of your rent payment goes into the landlord’s pocket. Multiply this by the number of years before you get back into the Real Estate market and you might see that renting is not such a great idea after all. So, for renting to be a better idea than owning 2 things would have to happen. The markets will have to drop AND your rent will need to be cheap enough for the added savings to make a difference. (remember, you will need the discipline to save this money over time) I do not believe both of these things will happen, so in my advice owning still wins over renting.

Here is how much it really costs to defer your mortgage payment. If you had just purchased a home and had a $400,000 mortgage your payment would be $1,942 a month To defer that payment for one month and pay the interest on it till the end of your mortgage, it would cost you $887.00 in interest.... THIS MEANS THAT DEFERRING YOUR MORTGAGE PAYMENT WILL COST YOU ABOUT 50% !!! A $1900 payment will end up costing you $2,800 If you need to get your payment deferred, do it! but if you don’t need to, save yourself a pile of money and don’t.

We are looking for investors! Want to get a great rate of return on your investment? Take advantage of this great opportunity.... For information call/text Geoff Del Grande, Mortgage Broker at 519-217-3484 or email [email protected]

Open for Business! As you are all aware, many businesses are suspending their operations due to concerns over the Coronavirus pandemic. We take the health and safety of our staff and our clients very seriously.... We are extremely lucky to be able to run our business through phone calls and emails and work with tools like docusign which allow our clients to sign all necessary documents remotely, if needed. This will allow our clients to continue to receive the same exceptional service that we provide without having to leave the comfort of their own home. Should you feel more comfortable meeting face to face, we will still be scheduling meetings, as required, while we continue to monitor the situation closely. Call anytime at 519-217-3484. We look forward to working with you soon!

Are you ready to start looking at houses? Let's get you pre-approved so you waste no time! Email [email protected] to get started today!

When you come to me, I shop the best products, rates and lenders for you with access to over 50 lenders!!! We always have a solution or plan for you. Geoff Del Grande, Mortgage Broker ... 519-217-3484 [email protected] See more

Check out Season 1 Episode 1 of my TV show, Closing Day! https://www.youtube.com/watch?v=p2eltqN4l3Q&t=14s

It's simple! Geoff Del Grande, Mortgage Broker 519-217-3484

Are you a homeowner? Drowning in debt but don't want to refinance your current mortgage? We have a solution for you. www.getmortgaging.com

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