First-Time Home Buyers
Buying your first home can be a daunting task, especially in the competitive Ontario market but we're here to help. We provide expert guidance and support to help you find the right mortgage and secure your first home.
Your dream of owning your own home is within reach! As a first-time home buyer, it's important to work with mortgage brokers who understand the challenges of the process. At Kumric Mortgage Team, we will make sure you're informed of all the tax benefits, discounts, and promotions that come with being a first-time home buyer. With our guidance, you can have a seamless experience and become a proud homeowner in no time.
Debt Consolidation & Equity Take-Out
If you're struggling to manage multiple debts, we can help you consolidate your debts into one manageable payment. We'll guide you through the process and help you find the best debt consolidation solution for your needs.
As experienced mortgage brokers, we understand that major life events can come with hefty price tags. We want to remove some of that stress and help you access the equity in your home and turn it into cash that you can use for anything you need. Trust us to guide you through the process and help you make the most of your home equity.
Self-Employed
In the past, being self-employed could make it challenging to qualify for a mortgage due to the reduction of taxable income. However, we collaborate with lenders who provide exceptional mortgage choices for self-employed individuals in Canada. Our goal is to assist in outperforming the banks.
Pre-Approvals
We can assist you with your mortgage pre-approval, including your budget, mortgage amount, down payment, and price. We'll also guide you on the documentation for conditional approval and the conditions that must be met for full approval. Pre-approvals typically last up to 120 days depending on the lender.
Mortgage Refinancing
Let's say you've been putting in the work to improve your credit score, and now you eligible for a new mortgage with a better discount. Alternatively, you might be looking to stabilize your payments by switching from a variable rate mortgage to a fixed-rate mortgage.
Refinancing can also be a smart move if you're looking to tap into your home's equity to consolidate credit card debt, make home improvements, invest in your future, pay for college expenses, or cover other important costs.
Whatever your reason for considering refinancing, it's important to weigh the pros and cons and make an informed decision thats with your financial goals.
Anything else?
Connect with us as there's many other options that might be available to you depending on your specific situation!