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.
Refinancing NOW makes a lot of dollars and sense!
With rates at an all-time low, and economy on the mend, it makes sense to refinance your home now while a great rate is still available. Within the past couple of weeks, we have seen fixed rates rise, then fall, then rise, then fall, and rise and fall again! The 5-yr fixed rate is back at 3.99% with a quick close mortgage at 3.89%. We have rate mortgagees drooling over the possibility of saving thousands in interest charges! The variable rate has hovered around prime - .75, making rates around 2.25%. With all of the benefits of a variable rate, being that you can lock into a fixed rate if need be... consolidating your high interest credit card and car debt has never made more sense! We are spoiled with these great rates. So go ahead and spoil yourself! Contact your local mortgage broker, or contact me... I would be happy to help you indulge and make sure you take care!
Technology is so exciting!
I just recently upgraded my phone from a Blackberry Pearl to a Blackberry Bold 9780 Smartphone. And it is just that... smart! I am so excited, that I have wasted almost a whole day updating my information and playing around with all kind of neat apps that will hopefully make my mortgage services available to more clients. Here is an example of an app that can be enjoyed using a BB or on a computer. http://agent.verico.ca/agent/so My pin is 2347AF2E. BB message me anytime!
Top five home renovations that increase property value
Looking to increase your homes property value? Here are five of the best renovations you can do to your home to increase property value. These five renovations can sometimes have a return on investment 5-6x what they cost.
Flooring is one of the most important aspects of your house. You will see an immediate rise in property valuation with the installation of hardwood floors. Existing hardwood floors that you can refinish are ideal as they are less costly to restore and in higher demand than new flooring materials. For the bathroom, tile will always be in demand and retain value exceptionally well.
Kitchens often look tired and dated, in large part due to old fixtures. Replacing or updating cabinet hardware, light fixtures, countertops and faucets will result in an immediate increase in your homes value. This small, but effective upgrade will also revitalize the entire home. Pot lights are in high demand in open concept style homes.
Thebathroomis the second most important room in the home in terms of valuation. If you can add a three-piece bathroom to a home with only one full bathroom, you will see a dramatic rise in the market value of your home. While you should never compromise bedroom space for a bathroom, try sneaking one in dead space in the home. Scott managed to fit in a 3-piece bathroom under a staircase the width of the room measured just 44 inches. As an added tip, use glass for the shower to make the bathroom feel more spacious.
Kitchens are the single most important room in the home relating to valuation. The kitchen can make a significant difference in the value of your home. As such, it is crucial that you invest in having a modern, fresh anddesirable kitchen. Modern cabinetry, under cabinet lighting and new appliances will all significantly increase the value of your home on the market. To save on cost without compromising construction and desirability, look at options like Ikea cabinets as opposed to custom cabinetry.
#1 An Income Suite
No surprise, but the single biggest way to increase the value of your home is to build an income suite within the property. Whether this is converting yourbasement into a rental, or another floor in the home, an income property will increase your homes worth. The main reason for this is that it covers a portion, or sometimes all of your mortgage payments, and results in your home being cash flow positive which creates real wealth that can supplement your income.