Jasmin Prasad

1. Choice. A mortgage broker has access to mortgages from a huge range of lenders so their clients have by far the best choice of rates and mortgage options. With partnerships in a vast network of over 50 lending institutions, including banks, credit unions, trusts, national and regional lenders, and non-traditional lenders, your broker can help design the perfect mortgage for you. 2. Independence and objectivity.... A broker actually works for you, not for any one lender. That kind of objectivity means that you the client are the focus. They fit the mortgage to the client, not the other way around. 3. Negotiating power. A broker has negotiating power because the lenders compete for their business. You’ll get the best rate for your situation. 4. Access to rate promotions. You may not realize it, but there are sales and promotions in the mortgage world, too. Lenders often offer special rate promotions, for example. Your mortgage broker will know about these special offers, and whether they might work in your situation. 5. Expertise. An AMP-designated broker is a financial specialist. That’s the kind of expertise you want to guide you through today’s plentiful lending market. 6. A focused specialist. A mortgage is a very significant financial event. A certified broker is in only one business, and they do it exceedingly well. 7. Rates. Getting a lower rate can potentially save you thousands of dollars. That’s why more homeowners are more likely to call a mortgage broker to check out their options for their first home loan and at renewal. I can lock in your rate for 90 days. 8. One credit inquiry. Rate-shopping on your own can actually be hazardous to your credit. Every time a lender checks your credit, the credit bureaus take notice. Too many inquiries and your credit rating can weaken, possibly affecting the rate and terms of your mortgage. 9. No cost to you. 10. Personal attention. You need a mortgage plan that is a custom fit for you, and a broker who keeps in touch with you during your mortgage years. #MortgageBroker#MortgageBrokers#Mortgages#BritishColumbia#FraserValley#Vancouver#Surrey#Ontario#Toronto#DominionLending#Refinance

Call or email to begin your first steps of becoming a home owner, or to re structure your current obligations. #MortgageBroker#MortgageBrokers#Mortgages#BritishColumbia#FraserValley#Vancouver#Surrey#Ontario#Toronto#DominionLending#Refinance#RealEstate#Homeowner#Investment#Entrepreneur#FirstTimeHomeBuyer#PreApproval#ChipMortgage#BankOfCanada#Home#Loan#Approval#CreditScore

Doing so can help you to pay your mortgage up to 3 years sooner. #MortgageBroker#MortgageBrokers#Mortgages#BritishColumbia#FraserValley#Vancouver#Surrey#Ontario#Toronto#DominionLending#Refinance#RealEstate#Homeowner#Investment#Entrepreneur#FirstTimeHomeBuyer#PreApproval#ChipMortgage#BankOfCanada#Bank

Buying a home is a huge step. Make sure you prepare yourself for everything that comes beyond just purchasing. However, it all begins with the first step. Getting in contact with a broker makes that first step a lot easier, and the rest falls into place making the process seamless. [email protected] 1.800.288.2764 604.372.2764 ... #MortgageBroker#MortgageBrokers#Mortgages#BritishColumbia#FraserValley#Vancouver#Surrey#Ontario#Toronto#DominionLending#Refinance#RealEstate#Homeowner#Investment#Entrepreneur#FirstTimeHomeBuyer#PreApproval#FirstTimeHomeBuyersGrant#Bank See more

There’s no place like home and there’s no better time to buy one. With rates going up at an exponential rate, take advantage of the low rates available to you today while you have the chance. 1.800.288.2764 #MortgageBroker#MortgageBrokers#Mortgages#BritishColumbia#FraserValley#Vancouver#Surrey#Ontario#Toronto#DominionLending#Refinance#RealEstate#Homeowner#Investment#Entrepreneur

Build up Credit History Fast and Easy Open one or two credit cards. If you can't get approved for a credit card, try a secured card. Secured credit cards require a small saving account, which will usually secure the entire credit line on your new card.... Use your credit card for your daily purchases instead of cash or debit card. Don’t use it as financing, but as way of payment. Pay the total balance at the end of the month to build up your credit and avoid paying interest. Always pay on time your other bills, like cell phone, hydro, phone line, rent, etc. especially now that cell phone bills are being reported on the credit report. How to Improve your Score Pay off immediately any outstanding balance on loans, credit cards, etc. If you have a lot of debt and want to pay some of it off, you should consider debt consolidation. Always pay your credit cards and other loans on time. A late payment on a $10 balance has the same impact on your credit bureau than not making a $1,000 payment. Credit is based on trust, no matter what the amount. Don’t exceed 50 per cent of the credit limit of each credit card. Never exceed your credit limit. If you have student loan problems you should pick up the phone immediately and explore the many options that are available to get you back on track. #MortgageBroker#MortgageBrokers#Mortgages#BritishColumbia#FraserValley#Vancouver#Surrey#Ontario#Toronto#DominionLending#Refinance#RealEstate#Homeowner#Investment#Entrepreneur#FirstTimeHomeBuyer#PreApproval#FirstTimeHomeBuyersGrant#Bank

With interest rates about to rise this week, now is a good time to take a look at your financial goals and make them happen! Give us a call 1-800-288-2764 or check out some options online https://www.bluepearlmortgage.ca/ [email protected] #MortgageBroker#MortgageBrokers#Mortgages#BritishColumbia#FraserValley#Vancouver#Surrey#Ontario#Toronto#DominionLending#Refinance#RealEstate#Homeowner#Investment#Entrepreneur#FirstTimeHomeBuyer#PreApproval#ChipMortgage#BankOfCanada

As an increasing number of parents help their children attain #homeownership, reverse #mortgages are being touted as a way to do just that but with fewer encumbrances. --- #MortgageNews

Here are 10 key points from the City’s housing targets for the next 10 years http://ow.ly/TOPD30h55nX

Although BC’s economy has been experiencing strong economic growth, housing headwinds are expected to ease the pace next year, says the British Columbia Real Estate Association (BCREA) http://ow.ly/bpiI30h55o1

We are about to head into the high spending season, are they ready for it? Find out the results of the poll. http://ow.ly/sLjf30gMhYm

Are you preparing to buy your first home ahead of the new "stress test" kicking in on January 1? Here's some tips to consider: https://hubs.ly/H09dbVh0

Are your buying expectations in line with the reality of the Canadian housing market? According to this report, more Canadians are starting to "get it".

Canada Mortgage and Housing Corp. says the country's housing markets remain 'highly vulnerable' with evidence of moderate overvaluation and price acceleration. http://ow.ly/avog30gtk0c

Here are 15 great ideas for your kitchen renovation. You can use the equity in your home to finance your reno. Call us before the Jan 1 #stresstest for mortgages kicks in and get started building your dream kitchen today!

B.C. government wants to close a loophole that allows landlords to impose larger rent hikes between leases. http://ow.ly/vs1y30gjrse

With all the news about rates and affordability hitting the news, you might be feeling a bit uneasy. This would be a good time for you to speak with your mortgage broker about the different options available.

There is a widespread assumption that most buyers must be taking out huge mortgages to afford real estate in Vancouver.

"Would it be wise to keep saving a larger down payment and hope that inventory increases or house prices correct?"