Jill Gelston, Mortgage Agent Dominion Lending Centres Altra

*Building Wealth Tip #1* When purchasing a new home, consider purchasing something with a second unit. The rent from the second unit can help you qualify for a larger mortgage. The best part? A portion of your rent collected will go towards building the equity in your own home faster! #buildingwealth #mortgagebroker #dominionlendingcentres #dlcaltra #lacymortgagegroup #mortgagesinontario

New career, New introduction! Hi my name is Jill and I'm a new Mortgage Agent with BIG plans! First and foremost I am a wife and a mom of 2 amazing kiddos.... My husband John and I have been together for 15 yrs and married for 11. We are landlords, busy parents and avid whiskey, beer and wine drinkers. In October 2019 we took our first vacation since our honeymoon. We went to St. Lucia with our best friends and LOVED every second. We have 2 little guys together a daughter 6, Danica and son 7, Dexter. And Johnny has 2 older guys. They keep us busy, from a grade 1 & 2 split French Immersion class to 20-something drama. I'm 39 yrs old and friendly and outgoing with an insatiable appetite for fun and zest for life. I love talking to and meeting new people. I made the transition from server/bartender at a local fine dining restaurant in Whitby when I realized that COVID was changing that industry for the worse and decided it was time to make the jump to this fantastic new opportunity that was presented to me. We love spending time in our backyard oasis and in the summer can be found at our family cottage and up at my parents trailer on the lake. I love coffee and require it daily to function. I love meeting new people and I truly believe that my previous experience in the restaurants and exceptional customer service is a huge asset to being a mortgage broker. My goals are to do a lot of repeat business from our first point of contact until your retirement goals are met, doing a lot of repeat business and earning your referrals! I have excellent relationships with a lot of professionals who I trust. I work with an incredible team and have a huge amount of support and knowledge behind me. I am excited for this new adventure and to watch it grow. If you've got this far, thank you for taking the time to get here and getting to know a bit about me! I look forward to what 2021 has in store for me and for you! Stay tuned. XO Jill

Did you know that getting the lowest mortgage rate available is not as important as the structure of your mortgage?! Don't be shy to send me a message if you have any questions!

Let's talk Refinance! Canadians today face many reasons to refinance their mortgage. For example, you may have been working at improving your credit score and now qualify for a new mortgage with a better discount, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed-rate. Refinancing is also a good option to pull out equity for consolidating debt, home improvements, investments, college expenses, and more. ... For every $1,000 you invest in your RRSP, you will receive approximately $350 back at tax time! Building wealth doesn't have to mean buying real estate, it can mean investing in yours or your children's future! Feel free to call or email me if you have any questions. Happy Tuesday!

One of the most common questions that we get asked is why someone would choose to work with a mortgage broker when considering home financing options. The main ...ones we refer to are a wider array of choice and the fact that we represent our client's best interest rather than that of the lending institution. We work specifically for you and you get access to our lending network which can include dozens of options. Below you’ll find ten great reasons to use a mortgage broker. 1.Independent Advice On Your Financial Options As independent mortgage brokers and mortgage agents, we’re not tied to any one lender or range of products. Our goal is to help you successfully finance your home or property. We’ll start by getting to know you and your home ownership goals. We’ll make a recommendation, drawing from available mortgage products that match your needs, and we will decide together on what’s right for you. 2. Save Time With One-Stop Shopping It could take weeks for you to organize appointments with competing mortgage lenders and we know you’d probably rather spend your time house-hunting! We work directly with dozens of lenders including banks, credit unions, and other national lenders, and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient. 3. We Negotiate On Your Behalf Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. 4. More Choice Means More Competitive Rates We have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, we also know what’s being offered by credit unions, trust companies, and other sources. And we can help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price. 5. Ensure You Are Getting The Best Rate And Terms Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! Let us investigate to see if there is an alternative to better suit your needs. 6. Get Access To Special Deals And Add-Ons Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include retail points programs, discounts on appliances, shopping clubs, and more. We do the math on which offers might be worth your attention when it comes to financing or mortgage insurance so you get the perks you deserve. 7. Things Move Quickly Our job isn’t done until your mortgage closes. We’ll help ensure your mortgage transaction takes place on time and to your satisfaction. 8. Get Expert Advice When it comes to mortgages, rates, and the housing market, we’ll speak to you in plain language. We can explain the various mortgage terms and conditions so you can choose confidently. 9. No Cost To You There’s absolutely no charge for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer. 10. Ongoing Support And Consultation Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs. Give us a call or send a message anytime. We are happy to be of assistance when you need it.