Tony Chau
Mortgage Agent
FSCO Lic # M09000861
Direct: 647.219.1697
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Purchasing A New Home
Thinking of buying your next home ? Do you know how much
you can afford ?
As your mortgage agent, I will help you:
1) Figure out how much you can afford.
2) Whats your approximate closing costs
(eg. approximate land transfer taxes, approximate legal
fees, etc.).
3) Selecting a mortgage product/terms suitable to your financial situation
(eg. based on the down payment you can afford, and risk
tolerances, etc).
Some of the mortgage products and terms to be considered
are:
- Conventional or High-ratio Mortgages.
- Fixed Rate or Variable Rate Mortgages.
- Short Term or Long Term Mortgages.
- The Prepayment Privileges that best suites you.
- Should you get Mortgage Life Insurance ?
I will also help you to get a pre-approved mortgage. Once you are pre-approved, you can go
house hunting with full confidence knowing the amount you
can afford, the mortgage interest rate is guaranteed for 60
to 120 days from the time of your application. And just
because you are pre-approved by a certain lender, you are by
no means committed to that lender. I will continue shop the
market to get you the best possible deal.
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