Justin McIntyre
7-75 first street Orangeville, ON, Canada

A home equity line of credit, or HELOC, is much like your standard LOC except it is secured against your home. There is also the option to have this limit increase as you pay down your mortgage so you always have access to that equity and can use it for anything you like without re applying. Ask me if this is the right product for you today. #jmmortgages #HELOC #mortgageoptions #refinance #mortgageagent #paylessinterest #realsolutionsforrealpeople #mortgageapproved #unbiased...advice #firsttimehomebuyer #realestate #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #barrie #essa #newtecumseth #mississaugarealestate #torontorealestate #justincaseyouarereadyforabettermortgage See more

Still unsure what the difference between the 3 types of mortgages today? This quick video will help explain.

ANNOUNCEMENT!! OSFI (office of the superintendent of financial institutions) has proposed a new stress test for uninsurable mortgages to start June 1, 2021 This RISE in stress test rate from 4.79 to 5.25 could see a dip in affordability by approx 4% for buyers. ... Does this affect you? Let’s discuss and see your best plan of action.

Another article backing the variable rate remaining low for some time. Still unsure about why to choose variable over fixed? Let's talk and I can explain.

NEW LISTING!!!! Welcome to 55 Bretz Ave, Cambridge Beautifully renovated bungalow with a massive yard for entertaining! 3 + 1 ... 2 Contact me for further details on this turn key home in a fantastic area! #royallepagercr #helpingyouiswhatwedo #forsale #moveinready See more

Our little baby girl is now one. 2020 was a special year for so many reasons. So many firsts. 365 days you have made us smile and made our lives so much better. So excited to see what 2021 has in store for you #mybabygirl #babyturnsone #mynameisdaddy #youmakelifesweet #happybirthday #sweetbabygirl #loveyou

life changes, so should your mortgage. #mortgageminutes covers #transfersandswitches Leave a comment or send a message if you have more #questions #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

todays #mortgageminutes is for the self employed as we cover #statedincome Leave a comment or send a message if you have more #questions #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

today I show you how to never lose the money you put into your home. #mortgageminutes covers #heloc Leave a comment or send a message if you have more #questions #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

Covered today on #mortgageminutes are #cashbackmortgages which are great for paying down debts as well as covering closing costs if needed. Leave a comment or send a message if you have more #questions #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

On this instalment of #mortgageminutes #prepaymentoptions Leave a comment or send a message if you have more #questions #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

Taking the last topic one step further, we have #preapproval on todays #mortgageminutes Leave a comment or send a message if you have more #questions #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

#welcome to a #newyear lets pick up where we left off with #mortgageminutes today we cover #prequalification Leave a comment or send a message if you have more #questions... #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

Today's #mortgageminutes we look at #closedmortgage Leave a comment or send a message if you have more #questions #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

when applying for a mortgage, you will need to pass thr #stresstest that is the topic of todays #mortgageminutes Leave a comment or send a message if you have more #questions #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

On this instalment of #mortgageminutes #appraisal Leave a comment or send a message if you have more #questions #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

A large number of my clients are covered in todays #mortgageminutes they are considered #firsttimehomebuyers Leave a comment or send a message if you have more #questions #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

Join me for #mortgageminutes where I will be posting terms or tips when it comes to #mortgages and #realestate We will be starting with #amortization Leave a comment or send a message if you have more #questions... #realestatelife #realestateinvestor #mortgagebroker #mortgage #mortgageloans #mortgagelender #mortgagebrokers #mortgagerates #mortgagelife #mortgageagent #mortgagetips #mortgagespecialist #mortgagepro #mortgagefree #mortgageprofessional #mortgagehelp #mortgageexperts #allistonontario #toronto #mississauga #brampton #barrieontario #orangevilleontario #askme #justincaseyouarereadyforabettermortgage

WOW. I can not believe what I am seeing. Just when we thought it couldn't get better it does! How does 1.35% ARM sound to you? Sounds pretty AMAZING to me. If variable isn't for you, 1.60% is still available. ... Don't sleep on these rates, no telling when they will disappear Contact today to see if you qualify for this amazing rate!

If you are paying more than 2% for your mortgage, you are paying too much. Lets discuss how much you can save today!

We are seeing #interestrates at #record lows. To help make #financing a #home even better, I am now offering to #payyourlegalfees for your #mortgage #transaction #whywait for all new clients #buyingahome #newhome #rentingtobuying #stoprenting #mississauga #toronto #brampton #caledon #newmarket #orangeville #allistonontario #savemoneylivebetter #savemoney #justincaseyouarereadyforabettermortgage #firsttimehomebuyer #refinance #switchlendersgetabetterrateandproduct #askmehow Some conditions apply

#campingtrip2020 has officially began. #outdoors #roadtrip #family #babygirl @ Ingleside, Ontario

I cant believe what I am seeing #youneedtoseethis #whatishappening #greattimetobuy #savemoneyonyourmortgage #neverthoughtidseetheday #getapprovednow #paylessinterest #beatthebank #wow #firsttimehomebuyer #torontorealestate #mississaugarealestate #toronto #bramptonrealestate #orangevilleontario #caledon #allistonontario #tottenham #stoprenting #nowisthetimetobuy #justincaseyouarereadyforabettermortgage

As expected stress test rates fell giving buyers a slight increase to purchasing power.

#currentview #kayaking #maidenvoyage #finallyusingmyxmasgift #hopeidontsink

Enjoy a nice afternoon with my girls on the water #simcoe #cheersfromthebay #saturdayvibes #boating #dayoff #enjoytheday #waynegretzkyestates #justincaseyouarereadyforabettermortgage #barrie #allistonontario #innisfil

Still wondering what to sign up for when it comes to fixed or variable?

That view tho!!

Check this one out!!

Check this beauty out

Big #changes are coming to the #mortgage industry and those looking to become a #homeowner #cmhc has announced they are changing how they #underwrite #highratio #mortgageapplications These changes will see a sharp decline is the purchasing power of potential buyers. #havequestions ? Lets discuss them. ... #mortgagebroker #mortgageagent #mortgageadvice #askmeaquestion #heretohelp #allistonontario #brampton #torontorealestate #ontariocanada #mississaugarealestate #stoprenting #justincaseyouarereadyforabettermortgage

Great news #stresstest reduction #afford more #house now #becomeahomeowner #letschat #affordability #stoprenting #lowrates #justincaseyouarereadyforabettermortgage

Out for a quick #sundaycruise Been a long time coming. Finally drivable. #hardwork #mustang #5L #ford302

Always staying up to date on changes in the #mortgage world #weeklymeetings to stay ahead of the curve while we try to #flattenthecurve #stillopen #stillheretohelp #askmeanything #howcanihelpyou #mortgagequestions #totallifechanges #stayinghome #notalone #justincaseyouarereadyforabettermortgage

Happy #monday yall. Be sure to stay #motivated and #active during this time of constantly being home. This time should allow you to get caught up with tasks you have been putting off and getting #hungry to achieve #greatness once we are released back into the #wildworld #staymotivated #stayhungry #stayhome #toronto #mississauga #brampton #barrie #allistonontario #tottenhamontario #bradford #newmarket #realestate #quarantine #justincaseyouarereadyforabettermortgage

While we are #selfisolating there are some things that may go forgotten in our day to day lives. Here is a #checklist to ensure you are doing those daily tasks to keep you feeling your best. #mortgage #newhome #firsttimehomebuyer #welcomehome #lowrates #mortgagebroker #stoprenting #homeowner #newlywed #unbiasedadvice #morethanrates #realtorlife #mississaugarealestate #boltonRealestate #bramptonrealestate #allistonrealestate #askmeanything #refinance #torontorealestate #justincaseyouarereadyforabettermortgage

Upgraded home with High-Quality finishes. Eat-In Kitchen With Granite Countertops, Tumbled Marble Backsplash, Extended Cabinetry, Pot Lights, High-End Ss Applia...nces: Kitchenaid French Door Refrigerator, Electrolux Stove & Hood Vent, Built-In Frigidaire Dishwasher. Hardwood Floors Throughout, Smooth Ceilings, Lots Of Windows. Fully Finished Basement W/Laminate Floors, A Recreation Area, Theatre Room, & Ample Storage Space. Call Cinzia Canini at 416-879-7606 for more information. See more

#breakingnews #mortgage qualifying rate has #decreased This means if you are searching for a #newhome you may qualify for more Lets #talknumbers and see how much you can #afford ... #increasedbuyingpower #affordability #home #homesweethome #newlyweds #househunting #toronto #torontorealestate #realtorlife #mississauga #mississaugarealestate #brampton #bramptonrealestate #orangevilleontario #tottenhamontario #barrieontario #justincaseyouarereadyforabettermortgage #stoprenting

#firsttimehomebuyers should know how long it will take to pay off their mortgage based on the rate they sign on for. This is also known as #amortization If you were to take advantage of #prepayment options, this would shorten the amortization, also, if you refinanced and extended this would adjust it as well. #mortgage #newhome #firsttimehomebuyer #welcomehome #lowrates #mortgagebroker #stoprenting #homeowner #newlywed #unbiasedadvice #morethanrates #realtorlife #mississaugarealestate #boltonRealestate #bramptonrealestate #allistonrealestate #askmeanything #refinance #torontorealestate #justincaseyouarereadyforabettermortgage

The #term of your mortgage will be determined by your needs and plans for the future. The most common term is 5 years. Although you can opt for a shorter or longer term if so desired. #mortgage #newhome #firsttimehomebuyer #welcomehome #lowrates #mortgagebroker #stoprenting #homeowner #newlywed #unbiasedadvice #morethanrates #realtorlife #mississaugarealestate #boltonRealestate #bramptonrealestate #allistonrealestate #askmeanything #refinance #torontorealestate #justincaseyouarereadyforabettermortgage

Bank of Canada lowers rate again, new stress test on hold. Coronavirus is really causing a stir.

Today was a #productive one. Re-licensing course #completed meaning Im ready to go and help you find #financing that works for you. Just another reason to use a #mortgagebroker over your bank. Bank reps arent #licensed and dont need to keep up on #education in the #mortgageindustry ... #mortgage #mortgagebroker #mortgagefinancing #realestate #orangevilleontario #orangevillerealestate #allistonontario #newtecumsethrealestate #torontorealestate #brampton #mississauga #justincaseyouarereadyforabettermortgage

Many people ask me how much I charge for my #service . The answer is #nothing My services are #free to you as I am #compensated by the lender once the transaction is #funded This means you only #benefit by working with me. You #savetime and get the #bestrates and #bestterms for your #mortgage ... #newhome #firsttimehomebuyer #welcomehome #lowrates #mortgagebroker #stoprenting #homeowner #newlywed #unbiasedadvice #morethanrates #realtorlife #mississaugarealestate #boltonRealestate #bramptonrealestate #allistonrealestate #askmeanything #refinance #torontorealestate #justincaseyouarereadyforabettermortgage

As a #firsttime #homebuyer you will be eligible for #credits that will help offset some #closingcosts This will be determined and calculated by your #lawyer once they receive the #mortgageinstructions #mortgage #newhome #firsttimehomebuyer #welcomehome #lowrates #mortgagebroker #stoprenting #homeowner #newlywed #unbiasedadvice #morethanrates #realtorlife #mississaugarealestate #boltonRealestate #bramptonrealestate #allistonrealestate #askmeanything #refinance #torontorealestate #justincaseyouarereadyforabettermortgage

THIS IS JUST TOO EXCITING NOT TO SHARE IN ALL CAPS 2.29% INSURED 5 YEAR FIXED- WOW IF YOU WERE LOOKING AT BECOMING A HOME OWNER NOW IS THE TIME. ... #mortgage #newhome #firsttimehomebuyer #welcomehome #lowrates #mortgagebroker #stoprenting #homeowner #newlywed #unbiasedadvice #morethanrates #realtorlife #mississaugarealestate #boltonRealestate #bramptonrealestate #allistonrealestate #askmeanything #refinance #torontorealestate #justincaseyouarereadyforabettermortgage

#closingcosts are often overlooked when #budgeting to #buyahome These are the costs needed to pay #landtransfertax as well as any property tax payback and #legalfees to close the transaction. #mortgage #newhome #firsttimehomebuyer #welcomehome #lowrates #mortgagebroker #stoprenting #homeowner #newlywed #unbiasedadvice #morethanrates #realtorlife #mississaugarealestate #boltonRealestate #bramptonrealestate #allistonrealestate #askmeanything #refinance #torontorealestate #justincaseyouarereadyforabettermortgage

After the #bankofcanada announcement #interestrates have seen a sharp #decrease. This means it is a great time to #buyahome If you have been wondering if its a good time to buy how does 2.45% sound? Sounds amazing to me! ... #getapproved #preapproval #newhome #firsttimebuyer #savemoney #paylessinterest #househunting #stoprenting #homeownership #homeowner #toronto #realtorlife #househunting #bramptonrealestate #mississaugarealestate #torontorealestate #justincaseyouarereadyforabettermortgage #allistonontario #tottenhamontario #bradfordontario #orangevilleontario

Many people get fixed on #rates when in fact there is much more to a mortgage than that. If rate is the sole focus, it could end up costing thousands more if the #term were to be cancelled prematurely. Majority of mortgages do not meet the 5 year maturity, so this is something to be looked at when deciding on the correct mortgage for you. ... #mortgage #newhome #firsttimehomebuyer #welcomehome #lowrates #mortgagebroker #stoprenting #homeowner #newlywed #unbiasedadvice #morethanrates #realtorlife #mississaugarealestate #boltonRealestate #bramptonrealestate #allistonrealestate #askmeanything #refinance #torontorealestate #justincaseyouarereadyforabettermortgage

#debtservicingratios are what lenders focus on when reviewing an application. This is how much of your #income is allocated to #debts The lower these are the more appealing to a #lender the file will look. #mortgage #newhome #firsttimehomebuyer #welcomehome #lowrates #mortgagebroker #stoprenting #homeowner #newlywed #unbiasedadvice #morethanrates #realtorlife #mississaugarealestate #boltonRealestate #bramptonrealestate #allistonrealestate #askmeanything #refinance #torontorealestate #justincaseyouarereadyforabettermortgage

Anytime you buy a home with less than 20% as your #downpayment you will be required to pay for #mortgagedefaultinsurance This amount will be added to the mortgage and protect the lender incase of #default This is also known as #CMHC insurance although there are 3 providers of this insurance which are CMHC, #genworth and #canadaguarantee #mortgage #newhome #firsttimehomebuyer #welcomehome #lowrates #mortgagebroker #stoprenting #homeowner #newlywed #unbiasedadvice #morethanrates #realtorlife #mississaugarealestate #boltonRealestate #bramptonrealestate #allistonrealestate #askmeanything #refinance #torontorealestate #justincaseyouarereadyforabettermortgage

A little clip on navigating the home buying process.

The #deposit you leave with your #realtor is part of the #downpayment but is not the same thing. You will need to provide a #portion upon an accepted offer, which will be deducted from the remaining amount needed at closing. This is a #goodfaith gesture to show the #seller you are a #seriousbuyer ... #mortgage #newhome #firsttimehomebuyer #welcomehome #lowrates #mortgagebroker #stoprenting #homeowner #newlywed #unbiasedadvice #morethanrates #realtorlife #mississaugarealestate #boltonRealestate #bramptonrealestate #allistonrealestate #askmeanything #refinance #torontorealestate #justincaseyouarereadyforabettermortgage