Mortgages With Sarah Turck

Working away in my home office today on applications that are going to make my clients 2021 dreams come true and my office buddy Gizmo, was having some of his own 2021 dreams. watch and enjoy sound on

Happy Hump Day, The sun is out and today is a good day, I am keeping busy helping clients reach for their dreams. I just wanted to take a moment and share the great news with everyone. Bank of Canada has held their interest rate steady at 0.25% ... now is the time to reach out to me for your free no obligation consultation, mortgage rates are at an all time low. LET’S STEP FORWARD TOGETHER TO MAKE YOUR DREAMS COME TRUE. Sarah Turck | Mortgage Advisor Lic# M20003075 RateShop Mortgages Inc. C: 905-396-5577 E: [email protected] W: https://www.mortgageswithsarahturck.ca Licensed by FSCO under RateShop Inc. Lic. No.12733.

MORTGAGE TIP MONDAY Happy Monday and if you are like me maybe you had a rough start to the morning with figuring out the virtual schooling? Today’s Tip: What is a home equity loan and how can it help you?... 1. A home equity loan is a loan that is tied to your equity in your home. (For example, if your home is worth $500,000 and your mortgage is $250,000 you have $250,000 in equity) A home equity loan is a set dollar amount and interest rate. When you sign for the loan you will know exactly how much each monthly payment will be and how long it will take to pay this loan off. 2. By using the equity in your home lenders are more likely to lend you the money, if you are struggling with debts and getting an approval for a regular loan this may be a solution for you. Are some of your new year’s goal to try and get on top of your debts, do a renovation purchase a vacation or rental property? A home equity loan may help please reach out today for a free no obligation consultation. LET’S STEP FORWARD TOGETHER TO MAKE YOUR DREAMS COME TRUE. Sarah Turck | Mortgage Advisor Lic# M20003075 RateShop Mortgages Inc. C: 905-396-5577 E: [email protected] W: https://www.mortgageswithsarahturck.ca Licensed by FSCO under RateShop Inc. Lic. No.12733.

The winner of the draw congratulations Alex Hyutnyk thank you to everyone who shared.

TGIF the end of the second week of January is here, I hope that everyone has had a good week. I have had a lot of conversations in the last 2 weeks with clients about credit scores, and how that can affect your purchasing power. 1. WHAT is a credit score, it is a number that you are given that determines how well you use credit. ... 2. HOW do you get a credit score, you earn it, when you open your first credit card that will start your credit history and it will take about 6 months for the credit bureaus to gather enough data to calculate your initial score. 3. WHAT affects your credit score, the credit bureaus will look at a few different areas, the number of accounts in your name, balances on cards or loans, payment history, numerous hits on your credit report, how long have you had credit in your name. 4. WHY do you need a Credit Report, this allows lenders to determine how much risk is associated with lending to you? The lower your score the higher the risk the more interest they could charge, the higher the score the easier it will be to get a mortgage or credit product and you could benefit from the best rates out there. 5. HAVE the banks said no to you? Do you have bruised credit that is keeping you from purchasing or refinancing your home? Did you know that you can repair your credit and that there is always a solution? I will work with YOU to find that solution please do not hesitate to reach out for your free no obligation consultation. LET’S STEP FORWARD TOGETHER TO MAKE YOUR DREAMS COME TRUE. Sarah Turck | Mortgage Advisor Lic# M20003075 RateShop Mortgages Inc. C: 905-396-5577 E: [email protected] W: https://www.mortgageswithsarahturck.ca Licensed by FSCO under RateShop Inc. Lic. No.12733.

HOW I CAN HELP YOU ACHIEVE YOUR 2021 DREAMS

Merry Christmas Merry Christmas

MORTGAGE TIP MONDAY Happy Monday I hope everyone got to enjoy some of the sunshine and mild temperatures this weekend. Todays Tip: Let us talk annual mortgage review and the benefits to YOU ... 1. There is no reason to wait until your mortgage is up for renewal before you decide to review it. This should be done on a yearly basis. A review of your mortgage can provide YOU opportunities such as interest reductions, monthly cash flow savings, investment opportunity and so many more options. 2. Why is the start of the new year a good time to review? because coming in the mail shortly will be your mortgage statement all lender’s will send you a copy January or February as it is required. Your statements will provide me with an opportunity to review your options and see if there is a way, I can save YOU money. Please reach out to me today for a free no obligation consultation do not wait until it is time to renew, rates are super low now and you could be saving money or missing out on a great opportunity. LET’S STEP FORWARD TOGETHER TO MAKE YOUR DREAMS COME TRUE. Sarah Turck | Mortgage Advisor Lic# M20003075 RateShop Mortgages Inc. C: 905-396-5577 E: [email protected] W: https://www.mortgageswithsarahturck.ca Licensed by FSCO under RateShop Inc. Lic. No.12733.

HOLIDAY GIVE AWAY TIME LIKE, SHARE, AND COMMENT and you may win a $50.00 Prepaid Visa gift card How to enter complete ALL 3 of the following... 1) Like my page MORTGAGES WITH SARAH TURCK https://www.facebook.com/SARAHRATESHOP 2) Like this post and share this post to your timeline (make sure to make it PUBLIC so your family and friends can join in on the fun) 3) Comment below DONE so I can track who is entered. Contest will run from now until Jan 3rd when the random draw will be completed. I will announce the winner on my Facebook page. As a mortgage agent, I am here to help you make the choices that suit you best. I will simplify the process of finding the right mortgage for you by tracking down the best mortgage rates, terms, and options, saving you time and money. Through my professional network I have access to over 65 lenders, but remember the best part is as a mortgage agent I work for YOU not the lenders. Please reach out today for a free no obligation consultation call or text 905-396-5577, email [email protected]. LET’S STEP FORWARD TOGETHER TO MAKE YOUR DREAMS COME TRUE. Sarah Turck | Mortgage Advisor LIC# M20003075 RateShop Mortgages Inc. C: 905-396-5577 E: [email protected] W: https://www.mortgageswithsarahturck.ca Licensed by FSCO under RateShop Inc. Lic. No.12733. *This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook.*

MORTGAGE TIP MONDAY Happy Monday and as my kids say only 4 sleeps left. Todays tip why work with mortgage broker VS your bank. ... 1. Mortgage Brokers will negotiate the lowest rate for you, and because we acquire high quantities of mortgage products, mortgage brokers can pass volume discounts directly on to you. The banks, on the other hand, can only offer their own mortgage products and rates which may not suit your needs. 2. Another key benefit of using a mortgage broker is that we have access to, and knowledge of, the entire mortgage market. We can advise which lenders will consider your case and which will not be based on your individual circumstances. This is particularly useful for people with poor credit ratings. A mortgage broker has access to lenders who specialize in servicing people with adverse credit and can leverage relationships with mainstream banks. Are you up for renewal, looking to purchase, want to do a refinance? please reach out today for a free no obligation consultation. LET’S STEP FORWARD TOGETHER TO MAKE YOUR DREAMS COME TRUE. Sarah Turck | Mortgage Advisor RateShop Mortgages Inc. C: 905-396-5577 E: [email protected] W: https://www.mortgageswithsarahturck.ca Licensed by FSCO under RateShop Inc. Lic. No.12733.