Surj Atwal

You can complete the whole mortgage process electronically from the comfort of your own home, the fashion in which you want to communicate with me is completely up to you. . . . .... . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

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If you are looking to buy a property and are unable to qualify for the desired property, adding a co-signor or guarantor can help you qualify. However, they will be taking on financial risk as they will be forced to make your mortgage payments if you are unable to make them. . . . .... . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

Canada Mortgage and Housing Corporation is making it easier to get federal mortgage insurance, reversing tougher rules that were imposed a year ago. Contact me for more details. . .... . . . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

It is beneficial to the buyer to include a home inspection as a condition when making an offer as it helps to find deficiencies and necessary repairs which allows the buyer to understand potential maintenance expenses before purchasing the property. A home appraisal ensures that buyers are paying a fair price for the property, and at the same time protects the bank/lender from the risk of giving a mortgage on a property that is worth less than the accepted offer. Buyers shou...ld have a subject to financing clause as it protects them from financial losses without consequences if the lender cancels the mortgage due to a low appraisal value. . . . . . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

The difference between purchasing an owner occupied property vs a rental property is that when purchasing a rental property the minimum down payment and interest rates are larger due to the higher risk involved. . . . .... . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

To all the new and upcoming Physicians, you don't have to wait to get approved for your desired mortgage amount. There is a program available that qualifies medical professionals based on future (projected) income. Contact me for more details. 778-772-9630 [email protected]... surjatwal.com See more

Let us pull your credit bureau once and do the shopping for you! Only one credit bureau pull required and we can reach out to over 90 lenders. . . . .... . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

If you are a permanent resident and have a strong credit rating, you may be able to qualify for a typical mortgage. However, if you don’t meet all of the qualification criteria for a typical mortgage, you may still be able to obtain a mortgage through one of the New to Canada Programs. Contact me for more details. . .... . . . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

It's important to understand the difference and details for the 3 tiers of lenders available to fund mortgages. All buyers are always hopeful to get an approval from an "A" lender but it is nice to know that if you don't get approved, there are other options at your disposal that you can use. This allows you to still purchase a property and gives you time to spend the term to get better equipped for a potential "A" lender approval at renewal. Contact me for more details ... . . . . . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

Amortization is the period of time needed to pay off the mortgage. Deciding between 25 and 30 years is an important factor to consider when applying for a mortgage if you have both options available to you. . .... . . . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

The open mortgage has higher interest rates but it may be the better option if you want to make larger payments than allowable, or if you plan on refinancing or selling your property before the end of the term. The closed mortgage does not give you the same flexibility, however if you think you will get to the end of the term, its the way to go as the interest rates will be much lower. . .... . . . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

Contact me for more details 778-772-9630 [email protected] surjatwal.com .... . . . . #mortgage #mortgagebroker #lending #theappraised #finance #investment #preapproved #interestrates #refinance #renewal #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

The open mortgage has higher interest rates but it may be the better option if you want to make larger payments than allowable, or if you plan on refinancing or selling your property before the end of the term. The closed mortgage does not give you the same flexibility, however if you think you will get to the end of the term, its the way to go as the interest rates will be much lower. . .... . . . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

Contact me for more details 778-772-9630 [email protected] surjatwal.com .... . . . . #mortgage #mortgagebroker #lending #theappraised #finance #investment #preapproved #interestrates #refinance #renewal #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

Bridge financing enables you to use the equity in your current home to pay the down payment on your next home, while you wait for your existing home to sell. Contact me for more details. . .... . . . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

You can get a pre-qualification in minutes by visiting my website at surjatwal.com and downloading the My Mortgage Toolbox app. If you are looking for a pre-approval, feel free to contact me anytime and we can get the process started. . .... . . . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

Contact me for details 778-772-9630 [email protected] surjatwal.com

Always take all your closing costs into account at the beginning of the process so you're not financially strained by these additional costs at your closing date. . . . .... . #closingcosts #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

If you are considering a refinance, feel free to contact me anytime to find out all the details (amount of refinance, interest rates, cost of breaking current mortgage) so you have all the exact figures before you make the decision. . . . .... . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

In reference to the stress test in my previous post, the Office of the Superintendent of Financial Institutions (OSFI) has proposed the above change to the qualifying rate. These tighter mortgage qualification rules are aimed at cooling the nation's booming real estate market. If you're looking to get into the market, I suggest that you try to get in before these new rules take effect as they will have an effect on how much money you can borrow. ... Example: A person who would have normally qualified for $1,000,000 will now only qualify for $950,000. Note: This is only for Uninsured Mortgages and will not impact Insured Mortgages for people with less than 20% down. . . . . . #stresstest #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland

You can get a pre-qualification in minutes by visiting my website at surjatwal.com and downloading the My Mortgage Toolbox app. If you are looking for a pre-approval, feel free to contact me anytime and we can get the process started. . .... . . . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

Contact me for details 778-772-9630 [email protected] surjatwal.com

A mortgage stress test is a way of determining exactly how much a person can afford, and under what circumstances. Could they still make their mortgage payments if their income was reduced or they lost their job? If their interest rates increased? This means that your income needs to be high enough, and your existing debt low enough, to be able to pay down your mortgage at that higher rate. ... This results in consumers being able to borrow a smaller amount of money. . . . . . #stresstest #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland

If you are considering a refinance, feel free to contact me anytime to find out all the details (amount of refinance, interest rates, cost of breaking current mortgage) so you have all the exact figures before you make the decision. . . . .... . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

This proposal has been approved. If you are in the market to purchase or refinance a home valued over one million, get your mortgage application in immediately! There's only 10 days left! Apply today at surjatwal.com [email protected] 778-772-9630

A mortgage stress test is a way of determining exactly how much a person can afford, and under what circumstances. Could they still make their mortgage payments if their income was reduced or they lost their job? If their interest rates increased? This means that your income needs to be high enough, and your existing debt low enough, to be able to pay down your mortgage at that higher rate. ... This results in consumers being able to borrow a smaller amount of money. . . . . . #stresstest #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland

Banks are often looking for low risk borrowers and fund according to the money claimed on taxes. However, self employed business owners don't always claim all their income due to write-offs and expenses which makes it difficult to get approvals through the bank. We help small business owners purchase homes. Contact me... 778-772-9630 [email protected] surjatwal.com Note: subject to lender review

A first time home buyer who purchases a property for under $500,000 can use this program to save the property transfer tax that I referred to in my previous post. On a $500,000 property, the full exemption would save $8000. You can also get a partial exemption for properties under $525,000 as well. . . . .... . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

A home buyer is responsible for paying Property Transfer Tax at completion date when buying a property, always make sure to take this into consideration when calculating your total costs so you're not caught off guard at completion when they are due. . . . .... . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #tax #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

This is an example of how much you could save transferring from 1.85% to 1.45% on a $600,000 mortgage on a 5 year term. I used 1.45% because that rate is still attainable in a variable rate mortgage. If you are locked into a variable rate mortgage at a high rate, contact me anytime and we can transfer you to a lower rate, even after the 3 month interest penalty (which is $2543.80 in this particular case), you will save thousands of dollars. Imagine how much you could save if... your rate difference and mortgage amount is greater than this example. Note: this is a full 5 year term, however if your current commitment is up for renewal in say 3 years, at that time the rates may be even higher than your current rate and savings may be even larger over your final 2 years. 778-772-9630 [email protected] surjatwal.com

Everyone seems to think that the mortgage process is very tedious and stressful, if you are organized and complete the application and documentation gathering process thoroughly and efficiently, it does not have to be. Let me deal with the stressful parts while you sit back and relax, with 24/7 availability via phone or email for any questions or concerns you may have along the way. Contact me anytime 778-772-9630 [email protected]... surjatwal.com . . . . . #mortgage #mortgagebroker #lending #finance #investment #preapproved #interestrates #refinance #renewal #debtconsolidation #homeequity #firsttimehomebuyer #homeowner #rentalproperty #townhouse #condo #housing #realestate #vancouverrealestate #vancouver #ladner #tsawwassen #delta #surrey #whiterock #richmond #cloverdale #langley #fraservalley #lowermainland See more

If you're in need of a Mortgage Professional, contact us at DLC The Appraised Financial Group LTD. We specialize in all mortgage transactions and understand that each client has unique circumstances, we will gain knowledge of your situation and give you our honest opinion on what we feel your best course of action should be. Feel free to contact us anytime 778-772-9630 [email protected]... surjatwal.com See more