When you are pre-approved for a mortgage, we can do a complete verification before you start looking for a home. We will let you know what you can afford based on your income, debts and credit so you can be confident when you are out looking at homes. We also tell you what the mortgage payments will be so you can set your budget accordingly.
We will explain the benefits of short and long-term mortgage terms, the latest programs available, the best mortgage products for your needs, and the other costs associated with buying a home.
We can lock in interest rates for up to 120 days while you shop. By locking in this interest rate, you are guaranteed to receive a mortgage for that rate or better. If rates drops, your locked-in rate drops as well. But if rates go up, yours stays the same. This ensures you will receive the best rate throughout the home buying process.
Being pre-approved for a mortgage is the first step in the home buying process, and you should be doing...
There are several advantages in maxing out your contributions to your RRSP. All of the income you earn...
"As a first time home buyer, the process seemed overwhelming. Working with Brian was a great place to start. He is extremely knowledgeable and attentive with the mortgage and home buying process. He provided me with the pros and cons of every option discussed and made himself available whenever needed. Most importantly, he was patient and never pushy or overwhelming with the decisions needed to be made. I would highly recommend Brian to any of my friends or family needing mortgage approval."
“As a first time home buyer, it is very important to get the information you need in order to choose the best mortgage lender that will suit your needs. I know that a Professional Mortgage Broker will help me understand more about different types of mortgage lenders and other relevant information you need about getting the best mortgage rate, and I could say I am very fortunate to have met Brian. Brian is very accommodating and would answer all of my inquiries. Most importantly, he will make sure that he can provide you the best mortgage interest rate, which he was able to get for me! Brian Elston provides a personalized approach tailored to his client’s needs. I am 100% satisfied with his service and I would highly recommend him to anybody most especially for a first time home buyer.”
“Being self employed is difficult enough. Qualifying for a mortgage while being self employed, even more difficult. Pairing that with a divorce, even more difficult. While looking for a home I found the perfect spot to make a home for myself and my family. But being qualified for this mortgage seemed to be an impossible acquisition. Even with a decent down payment, I was getting no where through the regular banking system. I was forwarded through to Brian and his web site and requested a meeting to see what he could come up with since every door of the bank seemed to be closed. Brian helped open a window and found a new solution to my problem. He was very flexible with our meetings and returned all my calls and answered all of my questions. Gratefully we’ve been in our home for over a month. I feel happy knowing I have a home for me to spend time with my children. Thank you Brian, for your extra care and attention to my needs. I definitely will recommend you to anyone I know who is looking for a mortgage. Best wishes.”
“Having to buy a home for myself, after the breakdown of a near 30 year marriage where my ex-husband dealt with all the finances, and the matrimonial home still on the market, I did not know where to start. I was so pleased to be introduced to Brian Elston. Not only did he secure the financing for my new home, but he walked me through every step, explaining everything with kindness and understanding. Brian was always there what ever the time of day to answer my questions and concerns (and I had a lot)!!! I highly recommend Brian’s services, as I really enjoy my new home. Thank you Brian!”