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Amarjit Johal is an independent mortgage specialist with Kraft Mortgages Canada Inc. As a mortgage professional, Amarjit offers one-stop convenience and impartial advice. Amongst her clients, peers and the community, Amarjit is known as being an approachable, understanding, and trusted resource that provides her clients with up to date options available to borrowers in today’s world of mortgage finance. With 25 years of banking experience, 18 years as a branch manager and along with her accreditations of Accredited Mortgage Professional (AMP) and Associate of the Credit Union Institute with speciality in Lending Studies (ACUIC), Amarjit is equipped with providing the professional and financial advice which best suits your needs. Due to her vast experience in the banking and financial realm, Amarjit’s expertise goes beyond mortgage, helping you make the best financial decisions. Homebuyers and realtors rely on Amarjit not only due to her knowledge on mortgage products and her ability to secure low rates, but also to keep them informed on critical information regarding the buying process itself. Amarjit makes sure her clients are well informed and know what to expect every step of the way by working closely with the realtors and lawyers/notaries involved. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, Amarjit will find the mortgage that best suits your financial needs. As your mortgage professional, Amarjit will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility helping you make informed decisions.
Proudly serving Vancouver and surrounding area
FIRST/SECOND MORTGAGE FOR ANYONE. INSTANT APPROVAL 48 HOUR PAYOUTS 1-866-573-3122 speak to a live agent within 30 seconds 24 hours a day, 7 days a week. FIRST, SECOND THIRD MORTGAGE'S AND MORTGAGE REFINANCE. We make it possible for you to apply for your mortgage with multiple mortgage sources. Bank mortgage loans, Private Capital Mortgage loans, Finance Company Mortgage loans. We talk to hundreds of consumers like you trying to find the best mortgage solution for them. We hear the same story the bank turned their mortgage application down, or refused their mortgage refinance application. This does not mean you will not be able to get a mortgage. No matter what your financial situation, we can find mortgage financing for you. The banks will not tell you about Finance Company's offering Mortgage Solutions, They will not tell you how to find the private mortgage lenders. If you own your home and have equity, we can get you your mortgage financing period. Your financial situation may have changed and now the banks are refusing to refinance your mortgage, or you might have fallen a few payments behind and now they want to take your home and all the mortgage equity you built up with it! Do not give up! Do not let the banks take your home and steal your hard earned mortgage equity! We can get you financing in as little as 48 hours from a private mortgage lender. What the banks are banking on is for you to let them foreclose your mortgage, now all your hard earned mortgage equity is theirs! Again, I can't stress enough if you own your home and have mortgage equity, we can get you mortgage financing. Yes even if you don't have a job, and yes even if you have "bad" credit or no credit. It's happening to thousands of Canadians every month don't be the next victim of the "financial crisis". What you need to decide now is which of these three mortgage options to get you back on your feet and in good standing with the bank works best for you. MORTGAGE EQUITY LOAN: Equity loans are based on the mortgage equity in your house, for example you purchased the home for $200, 000 therefore your mortgage rate and payments are based on you owing $200, 000. Between the time you purchased the house and got your initial mortgage for $200000 the value of the home has increased to $250 000. Also you have paid down the original mortgage so you now owe $150000. This means you have $100000 in home equity. A mortgage equity loan is based on this amount, in most cases upto 80% of the mortgage equity in your home can be borrowed upon. This method is the fastest way to get the money you need to pay the money owing to the bank to pay your credit card bills and any other bills that need to be returned to good standing or paid off completely.You can also use this money to renovate your home, by doing so you are creating more equity a $15000 renovation can often result in a $50000 increase in mortgage equity. These mortgage equity loans are meant to be short term you are going to use the money to get yourself back on your feet, repair your credit and get rid of all the high interest payments you where previously making (credit cards, car loans, lines of credit ...). Now that your financial situation has improved as well your credit has improved and you no longer have to make payments to those credit cards, car loans ... You are ready to mortgage refinance. We will walk you through every step of the way, please don't hesitate to contact us even if you are just needing financial advice we will gladly help you free of charge because we know when you do need a mortgage, mortgage refinance or mortgage equity loan you will come to us to guide you through the process. MORTGAGE REFINANCE: A Mortgage refinance is like a mortgage equity loan however you are paying off your original mortgage and getting a new mortgage. (Mortgage rates are at record lows now is the best time to explore your mortgage refinance options, if you are in good standing with your bank make an appointment and see what they are willing to offer. You can always check all your bases and take the best offer for you. Get their mortgage offer in writing and contact us, we will do our best to find you a better offer if we can't then all you have to do is take that paper back to your bank and your ready to refinance your mortgage) The best part about mortgage refinancing now is that you will be able to take advantage of the record low mortgage interest rates that can be locked in upto 10 years and in some cases longer. Chances are when you got your mortgage the interest rates were higher, therefore just by mortgage refinancing your payment will be reduced. For example you purchased your home for $200000 mortgage at a 5% interest rate your payment is based not only on the 5% interest rate but also on the $200000 initial mortgage amount. Now you have paid down your mortgage you only owe $150000 and the value of your property has increased to $250000. You now have $100000 in mortgage equity $80000 of it you can access and pay off all your high interest payments and loans (car loans, credit cards, lines of credit...) Because the mortgage interest rate today is much lower than when you originally financed your house and got your first mortgage you can pay off all your other high interest payments and still your mortgage payment will be less then it was before you mortgage refinanced. Lets say you refinanced for $200000 this means you received $50000 to pay off all your other bills or renovate. Because mortgage interest rates today are so much lower your initial mortgage of $200000 at 5% interest is replaced with a mortgage of $200000 with a 2.5% interest rate. Just to make it simple this means if your mortgage payment was $3000/month its now only $1500/month. Now not only have you paid off all your other bills no more car payment, credit cards etc Your mortgage payment is reduced by $1500 aswell and you still have $50000 in equity (more if you spent some of the $50000 you received to renovate) you can tap later if you really needed to. Just to make it simple before the mortgage refinance you where paying $3000 for your mortgage, $600 for your car payments, $500 for your credit cards and another $500 for lines of credits. Your total monthly payments before your mortgage refinance $4600, Your total payments now $1500. Image what you could do for your family if you suddenly had $3100 extra every month and being free of debt. I used to work for the banks I know how they think, they are modern day legal criminals. They don't want you to pay off your debts they want to give you more high interest credit cards and loans so you can forever be in their debt. While I'm not saying all credit is wrong and that we should throw away all our credit cards, I'm saying let's be smart about our money cause you know they are. If you ask your financial adviser how do I become prosperous, he will advise you to save money in his bank with some mutual fund or another. While again these are great tools to gather wealth, they are not going to save you $3100 a month. Instead you will now be giving the bank what little money it isn't already taking from you with your mortgage and losing money every month when you count inflation.Please if you are in a situation where you need some help and advice contact me I will give you my unbiased view of what your mortgage options are for your particular situation. If the banks won't give you a mortgage contact me. If the banks are refusing to let you mortgage refinance to lower rates contact me. If the bank is refusing to renew your mortgage because you fell into some financial difficulty contact me. You are not alone you do not need to lose your home other mortgage lenders are out there, we can get you mortgage financing based on the equity in your home to get you back on track. I am sick and tired of hearing stories or people losing their homes because the banks won't renew their mortgage because now that you have fallen into financial difficulty you suddenly don't qualify, they are trying to steal your equity. You paid your mortgage when you were not in this situation you built up that equity, in most of Canada not only have you built equity by paying your mortgage down you have also gained mortgage equity because housing prices have been going up consistently for years. Remember there are other mortgage lenders out their we can get you the money you need to get back on your feet, to renovate your house and build more home equity to renovate your house so you have legal income suites that pay your mortgage for you. Mortgage rates are at record lows by not refinancing and locking in a lower rate even if you are in a good financial position is going to cost you thousands of dollars in the long run. Like my mother tells me everytime I'm down you just got to take it one day at a time. Give me a call if you have mortgage equity in your house I will get it out for you. Remember you are not alone, everyone falls into hardship at one point or another in your life. The one thing you cant do is nothing, I give you my word if their is a way to get you the money you need I will find it. If I can't get you financing no one will.
1854 1st Avenue W. Suite 4, Vancouver, BC, V6J 1G5
As a mortgage broker with Centum Mortgage Specialists, I have great lender relationships for all types of mortgage products. Maybe you are self-employed, retired, have bad credit, bad relationship with the bank, are new to Canada, facing foreclosure, or even emerging from bankruptcy. Some people might be up for renewal, but are planning to sell soon, so an interest-only solution can alleviate monthly payments until you sell. Are you expecting inheritance, and would rather have an open mortgage with no early-payment penalty? Perhaps you are not planning to make many early prepayments, so a rock-bottom rate could be for you. I will analyze your needs and wants, and discuss both your current circumstances and your expected future state of affairs, in order to help you better plan out your next mortgage financing. Mortgage Renewals. Mortgage Refinancing. New Home Purchases. Home Equity Line of Credit. Residential Mortgages. Commercial Mortgages. Construction Loans. Investment Loans. Bad Credit Mortgages. Debt Consolidation. Credit Consultation.
An independent mortgage broker for more than 16 years, Karin Hoehn provides a personalized and interactive approach to finding you the best mortgage for your property whether it’s in Vancouver, the Lower Mainland, the Okanagan, or any other province. Brokers are not your last resort to obtaining financing! As a matter of fact, over 90% of the people Karin assists with their mortgage needs either: 1) Easily qualify for a mortgage 2) Are busy people and do not have time to run around, shop and compare 3) Value a long-term “personal” working relationship with someone they can trust 4) Want the best deal 5) Truly value the service that I provide and use me time and time again to source and arrange their mortgage. COMPLETE MORTGAGE SERVICES: • At home service or at my office 7 days/week • FREE advice and on-going support – no broker fees • Long term Mortgage Free plans and strategies • Annual mortgage reviews to maximize your mortgage savings • Mortgage options for those that are self employed and have difficulty qualifying • People with compromised credit ratings • Rental/revenue property mortgages • Foreclosure purchases • First time home buyer programs • Assistance with porting existing mortgages • Home equity lines of credit • Recreational property mortgages • No hassle – or appointments necessary • Only 1 Credit Report pulled to preserve your credit rating • Guaranteed confidentiality – no other parties will have access to your info Contact me today for more information!
Whether you’re buying a home, looking to upgrade, or eyeing a specific property, Gina can help your home ownership dreams come true. Gina Best is a Vancouver based mortgage broker and co-owner of Mortgage Alliance West. Gina is strong believer in customer loyalty and its value for word-of-mouth marketing. To that end, she considers every client to be a client for life. In the few hours each day when she isn’t working diligently for her clients, she is contributing to her Marinaside BNI chapter while overseeing four other Lower Mainland chapters as the Assistant Director; taking advantage of a quiet moment to read; and spending time with her husband and two young children. All of which, she considers great contributors to her personal success, and the continuing success of Mortgage Alliance West. Talk to Gina Best. She knows which mortgage is right for you and will help get you the best mortgage to fit you, your life, and your future goals.
Mortgage Alliance is the most recognized and trusted mortgage brokerage in Canada and as a Mortgage Alliance professional, I have the expertise to get the Right Mortgage for your immediate and future needs. I work for you, not the banks, and provide unbiased guidance in your mortgage decision. What's even better, it doesn't cost you a thing. If you are planning to buy a home for the first time, or thinking of investment homes, refinancing, equity loan for debt consolidation, please contact me. There is no charge for my service and I work around your schedule, not mine. We work with over 60 lenders (some offered exclusively through brokers) so you have the choice, convenience and great counsel that you deserve!
1- 155 Water St, Vancouver, BC
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