Certified Canadian Mortgage Calculator!
See Your Videos And Downloads Below!
Whether you are purchasing, refinancing or renewing your Mortgage - accurately calculating your Mortgage payment is critical.
How To Ensure You
Qualify For Your Mortgage ...
Understand The Inputs!!!
Mortgage Qualifying Income:
Mortgage Qualifying: IncomeUnderstand what income is eligible in Mortgage qualifying.
Mortgage Qualifying Down Payment:
- Mortgage Qualifying: Down Payment
Find out how to make sure your money is eligible for down payment.
Mortgage Qualifying Credit:
- Mortgage Qualifying: Credit
Understand the inputs in of your credit bureau to control your credit score.
Mortgage Qualifying: Ratios Explained
- Mortgage Qualifying: Ratios
Understand the Mortgage qualifying ratios to understand your affordability.
Get To Know Your Home Shopping Budget:
Clients From Local Calgary Employers:
Canadian Mortgage Lenders Competing For Your Business!
One Meeting. Multiple Lenders.
You have the benefit of independent Mortgage advice AND access to multiple Mortgage lenders competing for your business. You’re assured to access the best Mortgage terms with your customized Mortgage Strategy.
My Vision For You:
My vision for you is to feel extremely confident in your decision to purchase a home, refinance your Mortgage and or ensure you have the best Mortgage renewal. Whether this is your first home, second property, or fourth Mortgage renewal - I am your valuable resource. I help you achieve this by providing personal customer service, accurate Mortgage & Real Estate market information and am in constant communication with you (before, during and after your Mortgage funds). My goal is to build out a reliable and profitable Mortgage practice to remain in business for years continuing to serve you, your network of friends, family and co-workers.
Just A Few Of Your Mortgage Features ...
Become Mortgage Free Sooner!
You'll have access to FULLY featured Mortgages offering you flexibility to make early Mortgage pay downs. You can increase your payments OR make lump sum payments. I am there to guide and facilitate everything for you.
Save Money Refinancing!
My Mortgage lenders offer the lowest, most competitive Mortgage breakage penalties in the industry. Nobody goes into a Mortgage looking to break it. With your Mortgage, you'll have flexibility if the need arises.
Take Your Mortgage Anywhere!
If you move anywhere in Canada you'll have the option of taking your Mortgage with you. I'll be there 100% of the way to help you understand if this is a good idea or not. The bottom line is, you'll have flexibility and options to make this choice.
Your Mortgage Stands Alone
God forbid, if you ever fell behind on your Mortgage payments and entered foreclosure (meaning the Bank takes your home back) my lenders would stop at seizing your home. Other Banks create the ability to go after everything. True story.
Your Family Protected
If anything ever happened and you weren't able to make your Mortgage payments, feel 100% confident in the life and disability insurance you have access to. If you choose my insurance providers or continue with your own, feel secure you and your family are protected.
No Hidden Interest
When borrowing money, Banks charge "interest on interest". This is referred to as a "compound period". The less frequent the compounding periods are, the less interest you pay. My lenders offer the least compounding periods possible: semi-annually. Other Banks, apply weekly compounding periods which means you pay more interest. #themoreyouknow.
How You Benefit: Chad's S-Y-S-T-E-M
Saves You Stress Time Energy And Money |
Saves You Stress
You’ll clearly understand your home affordability and WHY my Mortgage lenders will approve you.
Saves You Time
I have relationships with TOP traditional Banks and Mono-line Mortgage lenders. We complete ONE application, and I do all of the work for you.
Saves You Energy
Adding Real Estate & Mortgage qualifying into your already busy life can be draining. My team and I help you stay organized, up to date and empowered so you’re feeling energized!
Saves You Money
Through proprietary strategies and customer care follow up, I lay out a road map where you save money, and the Mortgage lender makes less!
Your Unique Mortgage Programs
Programs Worth Noting Your Bank Won't Help You With |
BOSS Mortgage Strategy
Build Ones Saving Strategy – BOSS. The BOSS Mortgage is about protecting you from future payment shock, inflation AND increasing interest rates. With SO much market uncertainty, who is watching your back? Trust I have long term Mortgage strategies that I help implement with my clients. You save money. The Banks make less. Period.
Home Customization Plan
Did you know you can include the cost of your home renovations into your Mortgage? Understanding this programs helps you look at homes differently than other buyers. You’ll be able to find a home in the area you like, at a price you can afford, and customize it into your dream home. With this unknown Mortgage program you won’t have to sacrifice location for a newer home anymore!
Home Price Guarantee
Are you afraid of home prices falling? What if you could purchase a home today and have the seller of that home guarantee you that if the market drops by 5% you would be reimbursed money? Sound interesting? These are the types of creative home financing solutions needed in today’s Real Estate and Mortgage market. Ask me about this program today!!
Creating Your World Class Mortgage Experience!
You deserve to be heard, understood and feel confident at every phase of your Mortgage process. I think knowing where you are and understanding what’s next, paired with my teams genuine care for your personal and financial well-being, ensures your World Class Mortgage Experience.
You'll Love Working Within My System:
I Have Systems, Processes And Controls From A-Z For Your Mortgage Needs:
People We Work With:
First time buyers
Current home owners
New to Canada people
Newly employed
Self employed
Non-permanent residents
Commission sales people
Corporate employees
Trade/Union workers
Seniors/Retired people
Divorce/Separated people
Services Rendered:
Telephone support
Team email support
Text message
In office meetings
Mortgage signing review
First time buyer education meetings
Complete credit review
Mortgage market updates
Real Estate market updates
Client follow up systems
Interest rate holds
Access to referral network
Bank vs Broker understanding
Solving Unique Problems:
Fluctuating income
Low personal income
Home renovation loans
Spousal buyouts (95% home value)
Zero down payment
Gift down payment
RRSP down payment
Thin credit
Bruised credit
Low down payment rental purchase
Debt consolidation
Tax arrears payment
Foreclosure avoidance/mitigation