Purchasing a Home.
Shopping for a new home is exciting, but the search for the right house within your price range can be exhausting. When you finally find a bargain, someone else has often made an offer by the time you’re ready to commit. It can be an emotional rollercoaster.
A good way to make the house-hunting process a little more pleasant is to pre-qualify yourself for a mortgage first.
Many real estate agents and home sellers won’t seriously consider you as a prospective buyer if you haven’t sorted out your eligibility for a mortgage in the price range of the house they are selling.
A 20-minute phone conversation with a RateMiser Mortgage Advisor is all it usually takes to get a good idea what price range is realistic for you. If you can gather some of the documents that mortgage lenders usually require to verify income, such as T4s and income tax Notice of Assessments, you’ll be ready to enter the real estate market confidently, and avoid those heartbreaking disappointments.
Make a list of must-have and nice-to-have features for your prospective new house. Use the must-have list for screening out the houses in your price range with the right number of bedrooms, etc. Then use the nice-to-have list to choose between the ones that work.
What's Next
Layth Matthews
Mortgage Broker & CEO
, MBA, AMP, CIM, FCSI
-
Tel: 250-590-5931
- Toll Free:1-877-886-4737
- layth@ratemiser.ca
Customer Reviews
I had been paying high mortgage interest rates for a number of years. I came to Ratemiser and Layth's advice was invaluable. I now have a mortgage with a much reduced rate and locked in for five years. Thanks Layth!
Patricia
I just want to thank you once again for all you time and assistance with our mortgage. We truly do appreciate all the hard work you have done for us. Have a great day!!!!!!!!!!
Deb
Thank you SO MUCH for making 'THE LOAN PROCESS' such a calm and enjoyable experience. I feel LIBERATED after paying out ALL my credit cards/property taxes. As well, the 2nd mortgage has enabled me to FINALLY embark on my goals of preparing my home for sale (in the manner I wish to present it) and getting one step closer to simplifying my life in the very near future.
Halyna
First of all, THANK YOU.....I left the lawyers a little bit ago, all the debt is paid off, and I'm starting fresh. I am so happy and feeling great. It sure is a wonderful feeling having that much pressure taken off. Pretty darn good Friday, if I do say so myself:) Thank you for making this all come together for me.
Janet
Hi Layth, Thank you so much for your services! We have been delighted with what you have done for us and will definitely refer you to anyone we know buying a house or renewing their mortgage! August 8, 2011
Carol and Chris
Hi Layth, Well I just want to let you know how smoothly things are going for me now. What a great opportunity you have been able to help me with. I can't believe how much easier it is to breathe and survive now. Awesome:) A friend of mine is trying to purchase a home in our area. Not sure what her finances will let her do. I do know she has had some financial difficulty in the past, she did declare bankruptcy a while back. I think she said it should be cleared up shortly. If you do not mind I would like to give her your number so she can contact you directly and perhaps help her out. Thanks,
Janet
You are indeed the best mortgage wizard EVER. Thanks so much for your patience and your help. You have gone above and beyond for us. Have the best weekend. No worries, if there are questions or issues I will be sure to email. Thanks again. August 19, 2011
Pam and Tim