Neche Financial
Larry Vickar Dr. W. Winnipeg, MB, Canada

Homes: Best Time to Buy and Sell. Have you been waiting for a better time to sell, you may consider selling your home and upgrade now. A discussion with any realtor now will confirm that this may be the best time to upgrade: very low mortgage rates, listed homes selling within days and weeks. ... Contact us if you need further information or guidance.

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Get your Dream Home 1. You need 5% down payment if your credit score is good and you are employed. If you are self employed 10% is minimum. For a person with bad credit history, 20% down payment is required. 2. Your mortgage may or may not be from your current bank, but be assured you will get best mortgage rate. We will compare rates for you. ... 3. You can start the process now, even if you have not seen the house you want to buy. We can help you complete dowm payment, if needed. You need to be pre-approved first. 4. Call or text me if you have any questions. We can also have you come to the office when convenient for you. Today's rate 1.99%

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DON'T FORGET YOUR MORTGAGE I wish to remind us that I am still helping our community members with their mortgage needs. If your mortgage is due for renewal between now and September, this is the best time to talk about it. You may need to lock it up now to avoid uncertainties, such as lob loss, drop in income etc. ... Maybe you plan to buy a house this year, let's talk to see if this is the best time for you. Remain safe everyone. Give me a call 204-2329450. Obi https://www.centum.ca/sites/obineche_ukonu See more

COVID-19 : ONE AREA YOU MAY NEED HELP If you find yourself in the position that you need help with your mortgage payments During these times of uncertainty, please reach out directly to your lender. Most lenders Have options available to skip a payment or put a hold on a payment. Many banks/mortgage Companies and credit unions are updating their policies to help you water through this current Pandemic. CMHC has posted a message for those off you who have mortgage that was i...nsureds: http://bit.ly/2QnEV3H As we continue to learn about new developments from provincial and federal governments, we Will keep you up to date with the information you need to know. Should you have any questions please don’t hesitate to send me a DM and I can ensure your questions are heard. Obineche Ukonu Your Mortgage Advisor

Providing you with the best mortgage rates available is what we do. Are you a First Time Home Buyer, is your mortgage due for renewal soon, or are you looking to refinance, we serve all your Mortgage needs through the Mortgage World and Centum: https://www.centum.ca/sites/obineche_ukonu

BAD CREDIT? WE CAN STILL HELP YOU GET MORTGAGE You won’t be turned down for a house mortgage if you have bruised credit. We know that good people can have bad credit. And we also believe that bad credit should not keep you from buying a home. Whether you need funds to consolidate debt, cashing out of your current home equity, or purchase a home, we can help. Purchase or Refinance up to 80% LTV... Second Mortgage allowed up to 90% LTV Beacon Scores as low as 500 Maximum Amortization up to 30 Years Ideal Solution for Clients who don’t fit traditional bank requirements Self Employed or Commission based with stated income Clients with GDS/TDS that doesn’t meet traditional bank requirments Clients with bruised credit Clients with outstanding CRA debt Clients who want to pay out Consumer proposal, Judgments, Collections, R9, etc. LET HELP YOU REALIZE YOUR DREAM HOME https://www.centum.ca/sites/obineche_ukonu

Equitable Bank Improves Reverse Mortgage Process Reverse mortgage clients of Equitable Bank can expect a quicker and less expensive closing process, according the the bank. Equitable, one of just two reverse mortgage providers in Canada, announced the launch of its new closing process this week. The change will mean, for example, that borrowers in Alberta, B.C. and Ontario will no longer be required to retain two lawyers to close their deal. Instead, Equitable Bank can work d...irectly with their own lawyer to verify identification, register and fund the mortgage. reverse mortgagesAt Equitable we continually challenge ourselves to find better ways to bring more value to our customers by removing complex and unnecessary traditional banking practices, Paul von Martels, VP of Prime and Reverse Mortgage Lending, Equitable Bank, said in a release. It’s our ambition to bring the reverse mortgage solution into the retirement financing mainstream. Innovating the customer’s experience and reducing the costs to originate are important steps in that journey. The change comes as reverse mortgage demand continues to grow, and competition heats up between Equitable and HomeEquity Bank, the other reverse mortgage provider. We can help you for all your mortgage needs.

Mortgage Approval Even if Bank Said No Did your bank say no to you for mortgage? There are lots of reasons your bank can say no to your mortgage request, it could be Bruised Credit, No Credit, too much debt, not enough income, unverifiable income, self employed, recent bankruptcy, current or recent consumer proposal, New to the Country We have lots of options for the people who had been turned down by the bank for any reason. There are lots of lenders who are willing to ap...prove the mortgage even if you had been declined by bank due to income, debt or bruised credit with more down payment. Our Mortgages approvals include: Buying a house New Mortgage plus renovations Refinance Equity Take out Renovations New to Canada Self Employed Second Mortgage Construction Mortgage Builders Mortgage https://www.centum.ca/sites/obineche_ukonu Call or Email to get Approved. [email protected]

INTEREST RATES SPECULATIONS When was the last time the prime rate was higher than 5%? Our current Prime Rate in Canada is 3.7%, with expectations from some economists that the Prime rate could be upwards of 6% by 2020. This is a large increase for most Canadians especially as we have not seen the Prime Rate above 5% since 2008!... What will this mean for home owners? To put it simply, anyone with a fixed rate mortgage will not be immediately affected as their payment will stay the same until the end of their mortgage term, when they come up for renewal. Variable rate clients will feel the brunt of the increases, as when the Bank of Canada Prime Rate increases so do their mortgage payments. With this in mind, it brings the question: is a fixed or variable rate the better choice for the next couple of years? We offer free consultation/guidance - Centum Canada blog.

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