Mortgage Alliance - Tina Trama-Mayol & Team

Our team provides unparalleled choice, convenience and counsel. When you use the RIGHTBroker®, you get the RIGHTMortgage® FSCO Lic#10530 Tina Trama-Mayol, Mortgage Broker Mortgage Alliance 2005-200 Sheppard Ave E, Toronto ON M2J5B4 Lic#10530

Operating as usual

bttoronto.ca

How to navigate the mortgage market right now

https://www.bttoronto.ca/videos/how-to-navigate-the-mortgage-market-right-now/?fbclid=IwAR0MBQ9kkdUyLISj_HrEf5tGGS2jDfS_h0Fljazvh1C42kCjCHuj5dU_MBY

Whether you’re buying your first home or you’re a seasoned property owner, the importance of securing the lowest possible mortgage rate can’t be overstated. We chat with Paul Taylor about what’s happening in the mortgage and real estate markets now.

bnnbloomberg.ca

Bank of Canada sees interest rates on hold into 2023 - BNN Bloomberg

https://www.bnnbloomberg.ca/bank-of-canada-sees-interest-rates-on-hold-into-2023-1.1514208?fbclid=IwAR2GoYRwl3izrgo_B9FgMYAkzztpbG4SRGF6sSf76l7q0MD2hyrmzqww8io

bnnbloomberg.ca The Bank of Canada said the country’s economy won’t fully absorb slack in the economy before 2023, suggesting it will keep rates at near zero for the next few years.

renx.ca

Brookfield to acquire mortgage lender Genworth/Sagen | RENX - Real Estate News Exchange

Very interesting article

https://renx.ca/brookfield-acquire-mortgage-lender-genworth-sagen/

renx.ca Brookfield Business Partners (BBU.UN-T) announced Monday morning it plans to purchase all outstanding shares of Genworth MI Canada, the country’s largest private sector residential mortgage insurer, in a deal which values the firm at about $3.8 billion. Brookfield already owns

Contact me to review

Renewing your mortgage is your chance to renegotiate everything relating to your mortgage with no penalties! It is important to get in touch and start conversations early so there is time to review your financial goals and determine if it makes more sense to switch your mortgage for a lower rate or even refinance to consolidate debt.

Renewing your mortgage is your chance to renegotiate everything relating to your mortgage with no penalties! It is important to get in touch and start conversations early so there is time to review your financial goals and determine if it makes more sense to switch your mortgage for a lower rate or even refinance to consolidate debt.

Nearly 1 in 5 Canadians ages 18-34 say the pandemic has accelerated their plans to purchase a home or investment property. (According to a survey conducted by Scotiabank)

If you are one of those Canadians who have turned their living room into an office or dining room into a classroom and are looking for more space, send me a message. Rates are at record lows and I can provide you with a free consultation so you can shop in confidence.

Nearly 1 in 5 Canadians ages 18-34 say the pandemic has accelerated their plans to purchase a home or investment property. (According to a survey conducted by Scotiabank)

If you are one of those Canadians who have turned their living space into a classroom or dining room into an office and are looking for more space send me a message.

Rates are at record lows and I can provide you with a free consultation so you can shop in confidence.

Happy Thanksgiving to you and your families

So much great information thank you

Mind Set interesting information

If you have a minimum of 20% equity in your home refinancing is a low-cost way to access needed money.

Some homeowners are refinancing to pay off high interest debt and have one low monthly payment. While others are doing it to access funds for renovations since we are all spending more time at home.

Whatever your need is, contact me for a free consultation.

Using a mortgage broker gives you access to lending options you can’t get on your own. At Mortgage Alliance we deal with many lenders, from major banks to private lending. More choices with one simple call. Contact me for a free consultation.

Mortgage Alliance - Tina Trama-Mayol & Team

Are you getting ready to buy your first home or move to your next home? The #1 thing you can do is get advice early. Talking with a mortgage professional like myself will help you understand:

👉 What you can afford
👉 The downpayment you need
👉 Costs involved with buying a home
👉 Improving your credit
👉 Prepayment options
👉 Refinancing penalties (if you decide to do so down the road)
👉 Budgeting and more!

Send me a message today and lets start the conversation.

Are you getting ready to buy your first home or move to your next home? The #1 thing you can do is get advice early. Talking with a mortgage professional like myself will help you understand:

👉 What you can afford
👉 The downpayment you need
👉 Costs involved with buying a home
👉 Improving your credit
👉 Prepayment options
👉 Refinancing penalties (if you decide to do so down the road)
👉 Budgeting and more!

Send me a message today and lets start the conversation.

Contact and let me help you.

If you currently own a home, now is the right time for a mortgage checkup to find out if you can save on interest costs and what steps you can take today to help you get closer to reaching your short- and long-term financial goals.

Always remember that as a Mortgage Professional I’m here to offer you unbiased advice and answer any questions you might have.

Please don’t hesitate to reach out.

Is it time to break your mortgage for a lower rate?
For some the answer is easy, while for others in a fixed-rate mortgage it can become a difficult and complex question when facing prepayment penalties.
What we know for sure is that rates are at record lows. If you are unsure of what’s best for you, reach out. Together we will run the numbers to see what makes sense for you.

bankofcanada.ca

Bank of Canada maintains commitment to current level of policy rate, continues program of quantitative easing

https://www.bankofcanada.ca/2020/09/fad-press-release-2020-09-09/?fbclid=IwAR1N8S87Af5a-o3cqhEImgbkcD-TsQC9M3Jt041WrcXIaVk3utDUv1h1Y98

bankofcanada.ca The Bank of Canada today maintained its target for the overnight rate at the effective lower bound of ¼ percent. The Bank Rate is correspondingly ½ percent and the deposit rate is ¼ percent. The Bank is also continuing its quantitative easing (QE) program, with large-scale asset purchases of at l...

Mortgage Alliance - Tina Trama-Mayol & Team

If you currently own a home, now is the right time for a mortgage checkup to find out if you can save on interest costs and what steps you can take today to help you get closer to reaching your short- and long-term financial goals.

Always remember that as a Mortgage Professional I’m here to offer you unbiased advice and answer any questions you might have.

Please don’t hesitate to reach out.

If you currently own a home, now is the right time for a mortgage checkup to find out if you can save on interest costs and what steps you can take today to help you get closer to reaching your short- and long-term financial goals.

Always remember that as a Mortgage Professional I’m here to offer you unbiased advice and answer any questions you might have.

Please don’t hesitate to reach out.

Congratulations.......

Rates are low and can be locked in for 90 days. If you are thinking about buying a new home, contact me so you can be ready to make an offer.

With rates being low, and expected to stay for a while, now is a great time to unlock equity through refinancing or a home equity line of credit (HELOC).

Refinancing allows you to access equity and possibly obtain a better interest term and rate. Where as a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money.

If you are interested in exploring the possibilities available to you send me a message for a free consultation.

We want to pay your mortgage!

One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000.

Contact me for more details or click the link below. It pays to use the right broker!

https://www.mortgagealliance.com/wp-content/themes/tmacc/pdf/MortgageAllianceWinYourMortgageSweepstakesRulesRegulations2020.pdf?fbclid=IwAR14-QcLMup-5japS8Slj0oN9owwsYjiXO0N-LddBbAYL7Fa4KgyjFfdQck

Using a mortgage broker gives you access to lending options you can’t get on your own. We deal with many lenders, from major banks to private lending options. When you are ready to renew, refinance or purchase your next home, contact me for a consultation.

ctvnews.ca

Pattie Lovett-Reid: With interest rates staying lower for longer, what does this mean for you?

https://www.ctvnews.ca/mobile/business/pattie-lovett-reid-with-interest-rates-staying-lower-for-longer-what-does-this-mean-for-you-1.5025277

ctvnews.ca What does the decision by the Bank of Canada mean to you? CTV News' Chief Financial Commentator Pattie Lovett-Reid explains in her column on CTVNews.ca

Fixed or variable? How much of a down payment do you need? What is mortgage default insurance? Do you qualify for any first-time home buyer incentives?

When it comes to securing your mortgage there are a lot of questions. That's where I come in. I'll help you navigate the process, present you with options, and ensure you get not only the best rate but the terms you need.

Feel free to reach out with any questions, I'm here to help.

To improve something, it is important to understand it! Pay your bills on time, have a good mix of credit accounts, and keep a lower ratio of debt used to credit available. Regardless of your financial milestones it is important to know what makes up your score so you can keep it on track. Click below for more details https://www.consumer.equifax.ca/personal/education/credit-score/what-impacts-credit-score/

Win your mortgage payments for a year!

One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000.

Contact me for more details or visit:https://www.mortgagealliance.com/wp-content/themes/tmacc/pdf/MortgageAllianceWinYourMortgageSweepstakesRulesRegulations2020.pdf

bnnbloomberg.ca

Toronto housing shrugs off pandemic as prices smash record - BNN Bloomberg

https://www.bnnbloomberg.ca/toronto-home-prices-spike-to-record-930-869-in-june-1.1461401

bnnbloomberg.ca Home prices climbed to a record high in Toronto last month, and the local real estate board suggested there's no end in sight with plenty of buyers hunting for a home.

With all the information you have been hearing about interest rates and policy changes it makes sense to schedule a free mortgage check up. We will look at your current rate and term, discuss your plans and make sure your mortgage is right for you. Send me a message and we can start your mortgage check up today.

Mortgage Alliance - Tina Trama-Mayol & Team

3 Reasons you should use a mortgage broker vs going to your bank:

1. Better rates – Because lenders compete for our business, we get access to discounted rates based on volume and we pass these savings directly on to you.

2. Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you get access to dozens of lenders.

3. Our services are free – we are compensated by the lender.

3 Reasons you should use a mortgage broker vs going to your bank:

1. Better rates – Because lenders compete for our business, we get access to discounted rates based on volume and we pass these savings directly on to you.

2. Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you get access to dozens of lenders.

3. Our services are free – we are compensated by the lender.

Are you a homeowner that can benefit from the current low rates?
According to CIBC Economics, “the weighted average mortgage rate currently paid by borrowers [is] roughly 50 basis points higher than the current rate … no less than 20% of borrowers have already renegotiated their rates. We expect more to come.”

Contact me and we can do a cost/benefit analysis for you as well as look at other options.

Mortgage Alliance - Tina Trama-Mayol & Team

CMHC recently announced that as of July 1 they will be tightening their underwriting guidelines which will have a huge impact on buying power for Canadians. In Canada we have 3 companies that provide mortgage insurance for those who need to buy with less than 20% down. CMHC is the most popular because they are government owned, but Genworth and Canada Guaranty announced they will not follow CMHC in tightening their policy. This is one more reason why it is so important to work with a mortgage broker who can give you options.

CMHC recently announced that as of July 1 they will be tightening their underwriting guidelines which will have a huge impact on buying power for Canadians. In Canada we have 3 companies that provide mortgage insurance for those who need to buy with less than 20% down. CMHC is the most popular because they are government owned, but Genworth and Canada Guaranty announced they will not follow CMHC in tightening their policy. This is one more reason why it is so important to work with a mortgage broker who can give you options.

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Out-Of-The-Box

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Address


8611 Weston Rd Unit #16
Woodbridge, VA
22192

Opening Hours

Monday 09:00 - 20:00
Tuesday 09:00 - 20:00
Wednesday 09:00 - 20:00
Thursday 09:00 - 20:00
Friday 09:00 - 20:00
Saturday 09:00 - 20:00
Sunday 09:00 - 20:00
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