Michael Fallis

Don't overextend yourself! If you have a credit card with a $20,000 limit, that doesn't necessarily mean that you should spend $20,000 on purchases with the card. The same logic is true when it comes to mortgages - just because you can qualify for a certain mortgage amount doesn't mean that you have to max out your budget. Be sure that your new mortgage payment not only fits your bank's standards but your budget as well. ... Have more questions? I'm here to help!

Have you heard of the My Mortgage Toolbox? Download my app to get access to all premium tools to help plan your mortgage using the link below! https://loom.ly/9J68SHM

Easy and simple to set up, automatic savings makes it easy to put money away! Without even having to think about it, a portion of your paycheck can automatically be put aside, making it less accessible for unnecessary purchases. Make this a habit and your savings account will thank you!

Credit score plays a vital role when it comes to potential financing for car loans, mortgages, or even personal loans. It is important to recognize good credit habits now and maintain them for a higher credit score today, and a better chance of financial approval in the future.

Happy New Year! I hope everyone has a great start to 2022 & has a safe and happy new year! From,... Mike See more

Are you tired of renting? Do you want to learn more about what solutions are available for you? Let's work together to find you the perfect mortgage solution! ... Contact me at [email protected] today!

Merry Christmas & Happy Holidays! Have a safe & happy holiday season! From, Mike

I am here for you & I want to help you through the entire mortgage process! Connect with me today at [email protected] or 905-537-1381

Do you have a dream home you have been keeping your eye on? Ask yourself these four questions to determine if you are READY for homeownership!

DID YOU KNOW? Nearly 40% of borrowers simply sign and send back their renewal that is first offered to them by their lender without ever shopping around for a more favourable interest rate. IS IT TIME TO RENEW? ... Contact me at [email protected] or 905-537-1381 to learn more & start a conversation!

Benefits to Refinancing Access to lower interest rate Consolidate your debt Modify your mortgage ... Utilize your home equity Contact me today to learn more about refinancing!

As mortgage rules continue to change, the credit rating is becoming even more important as a higher credit rating could mean a lower interest rate and save you thousands of dollars over the life of your mortgage. If you’ve never given much thought to your credit rating before, don’t worry! It is not too late and we are going to take through everything you need to know. The most important of which is that, in order to qualify for a home, you must have a credit rating of at lea...st 680 for one borrower. There are several attributes that factor into your credit score, and these are commonly referred to as the Four C’s and consist of: Character, Capacity, Capital, and Collateral. 905-537-1381 [email protected]

To avoid having your mortgage approval status reversed or jeopardizing your financing, be sure to stay away from these mortgage mistakes! If you are currently in the midst of a mortgage application or are looking to start the process, don’t hesitate to reach out to me today to ensure that you do things the RIGHT way to succeed with your home purchase. 905-537-1381... [email protected] See more

Lest we forget. Today and every day, we remember.