Pre-Approval

Agron, will let you know for certain what you can afford based on lender and insurer criteria, and what your payments on a specific mortgage will be.

Agron can lock-in an interest rate for you for anywhere from 60 – 120 days while you shop for your perfect home. By locking in an interest rate, you are guaranteed to get a mortgage for at least that rate or better. If interest rates drop, your locked-in rate will drop as well. However, if the interest rates go up, your locked-in interest rate will not, ensuring you get the best rate throughout the mortgage pre-approval process.

In order to get pre-approved for a mortgage, Agron requires a short list of information that will allow them to determine your buying power. Agron will explain to you the benefits of shorter or longer mortgage terms, the latest programs available, which mortgage products they believe will most likely meet your needs the best, plus they will review all of the other costs involved with purchasing a home.

Getting pre-approved for a mortgage is something every potential home buyer should do before going shopping for a new home. A pre-approval will give you the confidence of knowing that financing is available, and it can put you in a very positive negotiation position against other home buyers who aren’t pre-approved.

 

Self-Employed

Proving self-employment income, and income stability for the years to come, can be difficult for new business owners.

Many Canadians have successful small business ventures and would not trade the lifestyle for anything in the world. However, many begin to question their lifestyle and business choices when they first attempt to obtain financing for their home, or even something as simple as a new credit card or vehicle. The nature of self-employment income can sometimes leave the self-employed looking like poor credit risks, even though they may actually have a more stable source of income than those who are working 9 to 5 for an employer.

Thankfully, Canadian mortgage lenders are starting to understand the importance of self-employment in our culture, and are making great mortgage programs available to the self-employed to finance their primary residence and even their vacation homes.

Agron is an expert at assisting self-employed individuals with getting a mortgage, and they will ensure you get the best mortgage available through one of Canada’s largest lenders.

Obtaining a mortgage if you’re self-employed has never been easier, and you will be excited to learn that the mortgage products available today are structured to help you succeed in your business and your personal life.

 

Refinance

For example, you may have been working at improving your credit score and now qualify for a new mortgage with a better discount, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed-rate.

Refinancing is also a good option to pull out equity for consolidating debt, home improvements, investments, college expenses, and more.

 

Commercial

Agron, wants to make each and every purchaser aware of the many mortgage options available to them prior to their purchase and closing date.

Now, more than ever, financial institutions are regularly launching new products and programs, making it easier to get financing. Today, interest-only loans, new commercial programs, bridge financing programs, land development programs, and a host of other innovative financing alternatives are dotting the commercial landscape.

 

Call us today, we almost always have an option that’s right for you!