Mortgage Services

Purchases

Mortgage for Home Purchase in Edmonton, AB

Whether you are a first-time home buyer or a current home owner looking to upgrade or downsize to meet your family’s changing needs we have been helping clients through the process of obtaining the mortgage financing needed for that new home. That may mean a completely new mortgage or might involve moving the mortgage from your current home to your new purchase. Let us help by explaining the different options available to make sure you have the right mortgage solution for that next step.

First-Time Home Buyers

First Time Home Buyer Mortgage in Edmonton, AB

Buying your first home can be both exciting and a bit scary all at the same time. Homeownership is a big step and we suggest getting your mortgage advice from a mortgage professional. We’ll give you the facts you need to make the right mortgage choice, carefully explaining the how the mortgage process works, guiding you through from start to finish. With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your first home. Our best advice is to begin with a conversation with a mortgage professional. Give Mortgage Makers Inc a call at 780-436-0390.

Mortgage Pre-Approvals

Mortgage Pre-Approval in Edmonton, AB

Buying your first home can be both exciting and a bit scary all at the same time. Homeownership is a big step and we suggest getting your mortgage advice from a mortgage professional. We’ll give you the facts you need to make the right mortgage choice, carefully explaining the how the mortgage process works, guiding you through from start to finish. With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your first home. Our best advice is to begin with a conversation with a mortgage professional. Give Mortgage Makers Inc a call at 780-436-0390.

Mortgage Renewal or Switch

If your mortgage renewal date is approaching you will have some choices to make. Now is a great time to review your mortgage options and see what competitive rates are available. Lenders send out renewal forms just prior to renewal dates for those with good payment histories, about 70% of homeowners send those forms back without asking any questions. In today’s hectic world, that can certainly be the easiest route, but you should ask yourself some questions before you sign on the dotted line. This could be an important moment of opportunity. Maybe your mortgage needs have changed and this a great time to evaluate those needs. Maybe you want to consolidate high interest debt into with your mortgage or you may want to tap into some of your home equity for a renovation project. Maybe you are considering a vacation property or are simply looking for the best options to pay down your current mortgage balance more quickly. With access to multiple lenders let us help you weigh your mortgage options to make sure you are in the right place at renewal.

Self-Employed Clients

When it comes to mortgage financing, it hasn't always paid to be self-employed. Many business owners aim to reduce their taxable income which can make it difficult to qualify for the mortgage you deserve. We understand business owners because we're business owners too. We work with many lenders, both institutional and private lenders that offer excellent mortgage options for self-employed Canadians. These lenders understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. If this is you we have options, some allow clients to add some of those deductions back into their income or to simply state the income you create prior to your business deductions. These mortgage products allow self-employed clients the ability to qualify for the mortgage amounts you deserve.

We're here to help, give us a call today.

Credit Counseling

Life happens and sometimes things can get a bit out of control. A bad credit rating can be gut-wrenching and humiliating as well as just plain bad news. We see all kinds of credit ratings every day and we have the strategies to help improve and even heal, damaged credit. You may be surprised to know that you can still obtain a mortgage. Whether you've had a bankruptcy or your credit is only slightly bruised there are financing options available to help you with your mortgage needs.

Our lender pool provides us access to non-traditional lenders who offer financing solutions to individuals who have some credit challenges that cannot be addressed by the major financial institutions. Together we can quickly assess your situation and decide on the best way to move forward. The worst thing you can do is do nothing.

Rental Properties / Vacation Homes

Investment properties – particularly smaller, residential real estate – are now accessible to many average Canadians. And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade. If you're considering an investment in real estate, start by having a conversation with an experienced Mortgage Broker, to explore the options available today.

If a vacation home is in your wish list we have options for that too. Many Canadians are jumping at the chance to own a recreational property. No longer just perceived as a welcome retreat from the city, a second home is now viewed as a solid financial investment with the added value of a potential retirement property.