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AGENT LICENSE ID
M11002466
BROKERAGE LICENSE ID
11819
Tereza Kumric Mortgage Agent

Tereza Kumric Mortgage Agent

Verico Total Mortgage Solutions

Address:
33 Pearl Street, Mississauga, Ontario

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It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.


BLOG / NEWS Updates

Bank of Mom and Dad Expected to Fund Nearly Half of Upsizers and First-Time Buyers

According to a 2015 Home Buying Report released, Canadian homeowners looking to upsize will be turning to their parents for financial help that is higher than the amount first time buyers are hoping to get from their family. In fact, 42 per cent of current home owners looking to upsize their home are expecting financial help from family. Another 42 per cent of first-time buyers are also expecting their parents or relatives to help pay for their first home, up 12 percentage points from last year. The BMO report also found: - Buyers looking to upsize plan to spend $473,900, while first-time buyers budgets have decreased slightly to $312,700 - down from $316,100 in 2014 - Upsizers plan to put down 26 per cent, or $123,214, as a down payment, while first-time buyers plan to put down 19 per cent, or $59,413 - First-time buyers who are depending on family help expect family to pay an average of 12 per cent of the average cost of a home towards their purchase; current home owners looking to upsize who are depending on family help expect family to pay an average of 20 per cent of the average cost of the home - 50 per cent of upsizers and 40 percent first timers who are depending on this help say they would not be able to afford a home without this financial help from family If you want to help your kids get into their first home, talk to me. I can help you and your family secure financing for a home!

Should you renew your mortgage early?

If you are 4 years or more into a 5 year term, should you consider an early renewal? A Manulife survey in 2011 found that almost 2 in 3 survey respondents didnt compare products from lenders when their mortgage was up for renewal. The number of Canadians who dont compare mortgage products are surprising considering the dollars that you could save just by asking a few questions. This is especially the case since the Bank of Canada decided to maintain an overnight rate of 0.75% in early March. This means that your newly negotiated rate will be lower than even the record lows we have experienced in the last 5 years. Here are some key questions you should ask your mortgage broker in order to make this important money saving decision: What penalties will you have to pay to renew your mortgage early? If you were to renew your mortgage early how much money would that save you in the long term? If you decide to sell your property before the term ends on your newly negotiated mortgage what impact will that have on your penalties? If you arent sure whether you should renew early, talk to me! Im here to help you with your mortgage decisions.

MY LENDERS

TD Bank Scotia Bank First National National Bank B2B Bank Home Trust
Bridgewater Bank MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Trust ICICI Bank CFF Bank Fisgard Capital  RMG Mortgages