Merite Mortgage International Brokers Ltd
13025 Yonge St, Suite 201C L4E 1A8 Richmond Hill, ON, Canada

The end of the year brings no greater joy than the opportunity to express season's greetings and good fortune. May your holidays be filled with joy and all that is merry and bright. Sending the warmest wishes to you and yours during this beautiful season. Happy Holidays!... From the team at Merite Mortgage PS. We are closed on December 24, December 25, December 28, December 31 and January 1.

It is no secret that 2020 has been a year like no other. We have faced things that we may never have ever thought possible in our lifetime. Now that we get to say goodbye to 2020, on this the last day let’s look forward to a year filled with new happiness, new goals, new inspirations and new accomplishments. May every day of the new year be filled with good health, joy, success, and prosperity for you.... Happy New Year! From, the team at Merite Mortgage. Cheryl Geness Richmond Hill Board of Trade Lauriston Gardner Jasmin Daley Merite Mortgage International Brokers Ltd. #HappyNewYear #HappyNewYear2021 #outwiththeold #outwiththeoldinwiththenew #newyear #mortgage #mortgagebroker

Credit score improvement doesn’t mean stop spending altogether; the goal is to make smart spending decisions. Create a budget and financial plan that includes day-to-day expenses, savings, emergency funds, and prioritizes long-term goals like saving for retirement or your children’s secondary education. Use credit wisely. Live within your means and save up for those big purchases like a new car or vacation. Ask yourself, can I pay off this purchase within 30 days? before p...utting it on a credit card. Remember, the goal is to keep credit account balances within 35% of the credit limit. Tip 1: Work with a reputable Financial Advisor to create a plan that will allow you to manage debt and save. Tip 2: Your Mortgage Broker/Agent can often negotiate terms or fees on your behalf. Remember, credit score improvement can take various routes. Four simple and effective steps include: reviewing your credit report to address errors, bringing your accounts up to date, building credit, and making smart financial decisions. What questions do you have about credit scores or the new CMHC mortgage insurance requirements? Reach out to us at [email protected] or call 647-494-0094 x 206. We’re happy to help you find the answers you need. #GetSmartAboutCredit #creditscore #creditrepair #Mortgage #mortgagebroker #MortgageAgent Cheryl Geness Lauriston Gardner Richmond Hill Board of Trade Jasmin Daley Merite Mortgage International Brokers Ltd.

Armed with an accurate credit report and up to date accounts, the next step is to start building/rebuilding credit. How? Maintain low balances on credit accounts by paying down debt. Ensure minimum payment amounts are made and bills paid on time. Minimize credit applications as multiple applications within one year can negatively impact your credit score. Homebuyers should use a Mortgage Agent/Broker when shopping for a mortgage, instead of going from bank to bank, as each ...financial institution will do a credit check. The Mortgage Agent/Broker will present one credit report to prospective lenders. Unable to qualify for a traditional credit card? Consider obtaining a secured card. Secured credit payments are included on credit reports and can help improve credit scores when managed correctly. Tip 1: Bring outstanding balances within 35% of your credit limit (50% max) Tip 2: Set up automatic payments Tip 3: Use a Licensed Mortgage Agent/Broker when shopping for a mortgage Remember, continue monitoring your credit report annually. We are happy to help! Contact us at [email protected] or 647-494-0094 x 206 for a FREE credit report and consultation. #creditrepair #creditscore #creditrestoration #creditreport Cheryl Geness Richmond Hill Board of Trade Lauriston Gardner Merite Mortgage International Brokers LTD. Jasmin Daley Merite Mortgage International Brokers Ltd.

As COVID-19 spread across the world, we saw frontline workers stretched thin. Many volunteers stood up and took on various tasks to help lighten the workload. December 5 is International Volunteer Day. We want to acknowledge all who answered the call for help and continue to work together tirelessly to make a difference. "Together We Can Through Volunteering" is the message spanning across the globe.... For more information on volunteer opportunities, visit https://volunteer.ca/. Cheryl Geness Lauriston Gardner Merite Mortgage International Brokers LTD. Jasmin Daley Merite Mortgage International Brokers Ltd. Richmond Hill Board of Trade #volunteer #volunteerday #bewhatspossible #TogetherWeCan

The theme for this World AIDS Day is: Ending the HIV/AIDS Epidemic: Resilience and Impact. Together we can make a difference. Let’s stand together and work to find a cure to put an end to this epidemic. Follow CAYR Community Connections to learn more about how you can get involved. ... #WAD2020 #WorldAIDSDay #worldaidsday2020 https://www.canadahelps.org/en/dn/13454 https://www.hiv.gov/events/awareness-days/world-aids-day Cheryl Geness Lauriston Gardner Jasmin Daley Merite Mortgage International Brokers Ltd. Richmond Hill Board of Trade

On November 10, 2020, Cheryl Geness, Managing Director of Merite Mortgage International Brokers attended a virtual meeting with, Rod Phillips, Finance Minister of Ontario, MPPs Michael Parsa and Daisy Wai, Premier Doug Ford, Mayor Dave Barrow - City of Richmond Hill, Councillors David West and Godwin Chan, and the Richmond Hill Board Of Trade Directors. The Honourable Rod Phillips discussed the recently announced Ontario Action Plan: Protect, Support, Recover, which will prov...ide $45 billion over three years to support health care, individuals, families, and employers. Here are the highlights from the Ontario Action Plan: - $15.2 billion to Protect urgent COVID-19 response - $13.5 billion to Support people and jobs - $4.8 billion to Recover and create the conditions for growth - $11.3 billion to improve cash flow for people and businesses For more information on the 2020 Ontario Budget visit: https://budget.ontario.ca/2020/index.html #Ontariobudget2020 #budget #budgetreport #Ontarioactionplan

They shall grow not old, as we that are left grow old: Age shall not weary them, nor the years condemn. At the going down of the sun and in the morning We will remember them.... From the poem For the Fallen by Robert Laurence Binyon. On this day, Merite Mortgage remembers those who fought for our lives and freedom. We thank them for what they stood for, believed in, and continue to keep the memory of them alive. #lestweforget #remember #remembranceday #weremember Cheryl Geness Lauriston Gardner Jasmin Daley Merite Mortgage International Brokers Ltd. Richmond Hill Board of Trade

At Merite Mortgage, we focus on life. Sometimes people make decisions that can negatively affect their credit. If this happens, don't feel bad about it. Credit is repairable - there are solutions for you. We look at these moments in time as life events. Previously, we shared that many Canadians are wondering, 'how GOOD is my credit?' Now we are asking, do you know your Credit Score? Have you reviewed your report recently? To be credit savvy, you need to know your starting... point. Here are some of our suggestions: 1. Review your credit report yearly and keep a copy of your report for several years. These records are useful for disputes, should you ever experience a conflict with past or current creditors 2. Check carefully for errors. Work with creditors, Equifax and TransUnion to have corrections made. TIP: New to Canada? Open a Canadian bank account with an institution that provides secure credit; to start building your credit history. Contact us at [email protected] or 647-494-0094 x 206 for a FREE credit report and consultation. Our Agents are standing by to help YOU! #GetSmartAboutCredit #Credit #CreditScore #creditrepair #creditreport #mortgage Cheryl Geness Jasmin Daley Merite Mortgage International Brokers Ltd. Lauriston Gardner Jahsmin Daley Richmond Hill Board of Trade

The mortgage deferral period is ending, what are my options? If this question resonates with you, rest assured that we are here to help you find a unique solution tailored for you. Now, in this second wave of Covid-19, is the time to think about your next step:... If you haven’t already, contact your Mortgage Broker or Mortgage Agent to see what choices you have Ask your lender for an extension of your deferral period Additional financing from a line of credit or an alternative lender Refinancing Remember, only you are responsible for your financial health. If you need guidance, Merite Mortgage is here to assist you with your financial planning, contact us at [email protected] or call 647-494-0094 x 206. #mortgages #mortgagespecialists #loans #refinancing

Is now a good time for Mortgage Brokers and Mortgage Agents? YES! Now more than ever, Mortgage Brokers and Mortgage Agents are needed in the marketplace. The knowledge we have as experts in the field help to guide and ensure our clients’ home security. ... Merite Mortgage offers: > A competitive compensation package > Constant training for personal growth > Opportunity for internal promotion > Strong leadership > Strategic alliances that create competitive advantage We consistently implement initiatives, strategies and improve technology to stay ahead of the curve to help our team remain successful. Email your resume to [email protected] or contact us at 647-494-0094 X 107 for more information on what Merite Mortgage has to offer and to discuss how you can join a winning team! You can also contact us on Facebook: https://www.facebook.com/MeriteMortgages.