D

(Read More...)

(read more...)

As an independent Mortgage Consultant who specializes in home equity loans and debt consolidation, I represent you, not the lender. I'm not an employee of any specific lending institution. This means I'm not limited in the number of lending products I can offer you. I help you find and negotiate the best lender package to suit your specific situation, whether it's with a Chartered Bank, Trust or Insurance Company.

Less time is another advantage. "Shopping around" for the best options takes a lot of time and effort - Understanding which lending product is right for you can be confusing. Choose the wrong product, and it can cost you thousands of extra dollars. I'm trained and experienced in helping you save on your home equity loan and debt consolidation.

There are a number of benefits you get working with me directly. Faster approvals times - Getting lower then best posted bank rates - A personal, stress-free and informative experience - Home Equity Loan and Debt Consolidation planning at absolutely no cost - Hundreds of lending options - And unbiased advice, are just some of the benefits you can expect.

One word: Experience! I will respond to your call or email within 1 hour, work with my team to process the paperwork and red tape as quickly as possible, and in many cases, have a pre-approval back in your hands as quickly as 4 business hours after submitting an application. Banks and other brokers often take much longer.

My compensation comes directly from the lender (that you ultimately choose), as a "referral fee" for doing the leg-work on your home equity loan. I negotiate & secure the best rates and terms for you, while adding no direct cost to you or on your home equity loan or consolidation. Lenders prefer this arrangement because of the savings of not having to pay any hourly employees to handle your application. You save and the lender saves. Some may call it a win-win arrangement.

Although a lot depends on how much debt you have, and how long you want to take to repay the loan, but reductions in monthly payments can be as high as 75%.

Unfortunately, you can't "borrow" a way out of debt. However, with the right debt consolidation loan, you can greatly speed up the process and make it much more manageable. Less payments. Less Interest Costs. More Extra Money Each Month. Debt Paid Off Sooner.

Most people have either credit issues, difficult situation and/or in some cases, previous bankruptcy. To date, I have been able to help 97% of those clients successfully process their home equity loan. And I'm certain that I can help you too... But the only way to know for sure, is to call me direct at 877 967 9077.

Basically, a secured loan is a loan that is attached to something of value, such as your house. Because you are using the equity in your home as security, you'll usually get a noticeably lower rate (do to the reduced risk for the bank) as opposed to an unsecured loan. Rates for unsecured loans are usually much higher. An example of an unsecured loan would be your credit cards or bank line of credit. Because secured loans often have very competitive rates, they are a terrific option for debt consolidating.

Generally speaking, a "debt settlement" service is the option of consumer proposal / credit counseling. What most people don't realize is that in the eye's of credit holders and banks, it's considered to be similar to a bankruptcy (mortgage wise) and often have expensive fee's - even if they can't help you. On the other hand, "Debt consolidation" combines all of your debt under one loan/mortgage and gives you one easy payment. It makes debt easier to manage and budget. You end up getting a much better monthly cash flow and overall save thousands in interest costs, help improve credit ratings. And... there are no fees either way!

Absolutely! I can help you with all types AND sizes of loans that are backed by mortgage collateral. From smaller residential deals to commercial properties in the millions of dollars, I'll provide you with the best options available!