Mortgages stevehayward.ca

Happy Tuesday morning!! Questions for FIRST TIME BUYERS... 1 What is your price range? 2 How far are you willing to commute for work? Please PM me with your replies!! **No fees for our service aoc** **First time buyers** **Refinances** **Purchases** **Tax Arrears payouts** **Multiple Lenders bidding for your business** [email protected] text/call 905 928 8114

Happy Tuesday morning. The advantages of using a mortgage broker/agent. **Multiple lenders bidding for your business!! I belong to the largest team in Canada with 110 different lenders **No fees for our service(oac) We are paid on a commission basis. **Flexible service hours. We work in the clients best interest to save them money!!! ** First time buyers**Pre-approvals**Refinances**Tax Arrears payouts** [email protected] 905 928 8114

Happy Tuesday morning!! Interest rates are low!! It's a great time to explore converting high interest debt (CREDIT CARDS LINES OF CREDIT) into the lower interest rate of your mortgage. Increase cash flow or pay down debt faster!! **No fees for our service oac** **First time buyers** **Refinances** **Purchases** **Tax Arrears payouts** [email protected] text/call 905 928 811 Note New location 245 Argyle St S (accross the hall from Sunwaves)

Happy Tuesday morning!! Questions for FIRST TIME BUYERS... 1 What is your price range? 2 How far are you willing to commute for work? Please PM me with your replies!! **No fees for our service aoc** **First time buyers** **Refinances** **Purchases** **Tax Arrears payouts** **Multiple Lenders bidding for your business** [email protected] text/call 905 928 8114

Happy Tuesday morning!! We have some of the largest institutional lenders in Canada bidding for our clients business. Some names you may likely know ,some names you should know!! **No fees for our service OAC** **First time buyers** **Refinances** **Purchases** [email protected] text/call 905 928 811

Happy Tuesday morning. The advantages of using a mortgage broker/agent. **Multiple lenders bidding for your business!! I belong to the largest team in Canada with 110 different lenders **No fees for our service(oac) We are paid on a commission basis. **Flexible service hours. We work in the clients best interest to save them money!!! ** First time buyers**Pre-approvals**Refinances**Tax Arrears payouts** [email protected] 905 928 8114

CMHC has announced a new lending criteria. This will have the most effect on First time buyers. Feel free to set up a call with me, to be properly prepared !!! [email protected] 905 928 8114

As we all know by now. Life can throw all of us, curve balls. I'm sure this lady never dreamed, that she would be on the hook for $30k... during likely one of the most vulnerable points in her life. This is why its so dangerous, just walking into a bank and signing a contract, for hundreds of thousands of dollars. Use a Broker and understand your options. https://www.cbc.ca//b/mortgage-penalty-pandemic-1.5588741

Happy Tuesday morning!! Lets focus on helping the elderly. Do you know an elderly home owner that is struggling? --maybe reluctantly considering a retirement home. --bills are piling up -- needs expensive home renovations -- wants to buy a new car or travel ? A CHIP reverse mortgage has helped so many people in this position. Contact me for more information. [email protected] 905 928 8114

Happy Tuesday!! Looks like we are going to try to slowly go back to a new normal!! Great news!! We re still taking online applications. (Covid compliant) First time buyers we have great mortgages options. Looking to pay off credit card debt with a refinance? We likely have a great mortgage options for you too. [email protected] 905 928 8114

Happy Tuesday morning!! To some it feels like Monday and to others the 32nd Sunday of March. Lots going on in the ever changing mortgage world. Without a doubt mortgage financing is boring, but at this point a mortgage chat might be the highlight of your day.... First time buyers, Refinances (Debt consolidation) Feel free to reach out. [email protected] 905 928 8114

Happy Tuesday morning. We are certainly in trying times. With all that's going on banks are understandably difficult to get in touch with. Whether you are one of my clients or not, by all means feel free to reach out with any mortgage questions you might have.

Happy Tuesday!! Lots of press last week stating the downside of deferring payments and capitalizing the interest on your mortgage. No, this process is not free, but it is likely your best option if a deferral is needed. Should we be concerned about the added interest? In my opinion, No! Many Canadians have "hidden" costs in their mortgages, and I would imagine other products too. We live with this every day, Nothing new. So, during this difficult time I see no reason to focus on what a deferral may cost, but rather what’s best for your family. Please stay healthy everyone.

Should you defer your mortgage payments? In short... only if you absolutely have to. Remember when this all started and everyone rushed out and horded the toilet paper?? Just a couple weeks later we saw empty shelves and when the TP finally did arrive it was more expensive. Why? Because we interupted the supply chain!! No other reason. ... When we defer our mortgage payments we are also disrupting the supply chain of money at the banks!! This now creates low inventory and the quickest/easiest way to control inventory is to increase the cost to borrow. Rates will go up. And not just mortgage rates, but lines of credit, home equity lines and any new loans such as car loans. When we increase interest rates we also slow down our ecconomy. Thats the last thing we need to do right now. Something to think about when you want to possibly make that call... See more

Happy Monday morning!!! During this tough time I am proud of how us Canadians are handling the situation. We will get through this!!! I'm availible to answer any mortgage financing questions you may have. Feel free to shoot me a text or email me. 905 928 8114 [email protected]