My affair with real estate began in my teens when my father would take me with him to look at properties. I watched how these turned into incredible investments and saw first hand how equity can grow – including our family home. I took this value with me when I married and we bought our first home in 1984. Decades and several homes later I still believe today the family home is an excellent long term investment when properly managed. As a working mom raising a family I understand how life gets busy and how easy it is to put these things on the back burner.
It doesn’t have to be this way though – help is available. I know mortgages and I specialize in matching borrowers with the right lender.
There are over 320 mortgage products in Canada now so knowing the similarities and differences truly requires expertise. Also, with the recent federal rule changes it has become increasingly important to work with an independent, experienced advisor you can trust. It can make a huge difference on the mortgage you get – or you don’t get. And that makes a difference in your equity position and your wealth.
Providing a home for my family and four legged loved ones is so important to me that it is also my goal for you. In fact, I want to make you so enthusiastically happy about the mortgage I arrange for you that you will naturally tell your family and friends about me because you want what’s best for them too. Just like I do.
I do things a little differently. For example, when you start shopping for a new home you will know exactly what your buying power is. I FULLY pre-qualify my clients when most will give what is really a rate hold instead of a FULL pre-qualification. It’s more time and work but it’s worth it. You will feel better knowing.
And it doesn’t end once you sign the papers. This is where the fun really begins! Here are some things to think about:
When do you want to be mortgage free?
When do you think you may want to move again?
What will you do with the equity in your home?
What other financial goals do you have?
If you are looking to purchase a property, understanding all the mortgage options available to you can seem overwhelming. The market in BC is changing right now and having a clear plan is a must. That’s where I come in, I have the experience to help you make sense of all the numbers and provide you with mortgage options that meet your needs. Why be tied to a single lender when you can have options from several at no cost to you!
Are you looking to refinance in order to access some of the equity built up in your property? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property… regardless of the reason, we can discuss all your mortgage refinancing options and I will be able to secure the mortgage that best meets your needs.
The best time to start looking at renewing your existing mortgage is 120 days before your maturity date. If your existing lender has sent you a renewal offer in the mail, the first thing you should do is send it to me so I can give you a second opinion. Never just sign the offer, there is always room to negotiate. Give me a call, you don’t have to do the negotiations alone.
I have developed excellent relationships with lenders across the country, let’s figure out which one has the best products for you.
I keep my blog up to date so you can stay informed.
Easy access to relevant mortgage and home related information
If you bought a house, or had a mortgage renew roughly five years ago, there's a chance the struggling economy and the relatively low interest rate environment (at the time) influenced you to "play it safe" and lock in a mortgage term for the next ten years. Because,...read more
Last month, the article "Can't find the Perfect Property in Your Price Range" was published on the blog, where the purchase plus improvements program was outlined as a way to buy and renovate a property at the same time. If you are looking to buy a new home, but can't...read more
No doubt about it, buying a home is an emotional experience. It's a game of balancing needs and wants, while trying to be honest with yourself about those very needs and wants. It's hard to get it right, figuring out what's negotiable and what isn't... what you can...read more
We were able to pay off some bills and our monthly payments did not increase. Leonore did all the footwork and found us an amazing rate. I cannot say enough about how much time and money she saved us!
Crystal Darche & husband Rick, Maple Ridge, BC
Being first time home buyers Leonore always had the right answers. Leonore went above and beyond my expectations. I highly recommend her to anyone getting a mortgage.
Will & Christina Anderson, Abbotsford, BC
She hit those curve balls out of the park! I came to Leonore with a renewal type mortgage with a few curve balls attached to it. Leonore handled this in a very timely manner and found us a great mortgage! Thanks Leonore!
Russell Petrie, Langley, BC
Whether it’ your first house or your tenth, having Leonore on your team is beneficial when you need a mortgage. Leonore did everything that she could to make sure I understood my mortgage and was entirely satisfied. Thanks Leonore!
David Deschutter, Surrey, BC
A self-employed consultant with a newly-established immigrant spouse applying for a first-time mortgage in the midst of the global credit crunch – Leonore wasn’t afraid to go to bat for us. She was able to get us the mortgage we deserved at a fantastic rate!
Allison Keating & Yury Nikrasov, Cloverdale BC