How to arrange your mortgage
Arranging financing for your home can often be a confusing process, with many options to choose from. That’s why it’s important to talk to the experts.
In this section RE/MAX brings you detailed information on home financing from TD Canada Trust. You’ll find expert advice and the tools you need to make arranging a mortgage an easy and comfortable experience.
Professional Recommendation:
Jon Hanec, Mortgage & Insurance Specialist at Castle Mortgage Group
“Hello there,
My name is Jon Hanec and I am a Mortgage Specialist & Partner with Castle Mortgage Group. My role is to assist all clients throughout the entire mortgage process beginning with the pre-approval, to getting the keys to your dream home, and well into the future whenever your lifestyle changes need to be met. My responsibility is to help clients obtain the absolute best mortgage product based upon your unique individual situation. As a member of the largest volume independent mortgage team in Manitoba we enjoy a competitve advantage over other institutions due to the volume of business we generate which allows us to access the lowest and most competitive interest rates within the industry. We have strong relationships built with the largest number of lenders and this allows us to offer the most diverse range of products across the entire country. The key to a successful relationship with all of our clients is to work diligently to understand the individual client's needs and to be able to design a custom built mortgage product that allows each client the flexibility and priviliges they desire balanced with the best monthly payment options which will enable the achievement of specific financial goals for each family.
My background is diverse throughout the financial field. I graduated from the I. H. Asper School of Business with a double-major in Finance & Marketing. I spent several years developing and running a successful Online Pharmacy and for the most recent four years prior to becoming a mortgage specialist, I acted in the capacity of Regional Director for an International Life and Health Insurance Corporation where I ran multiple operations in Manitoba, Alberta, Virginia and Nevada.
My absolute objective is to save each client hundreds or even thousands of dollars towards their mortgage. My services are at no cost to the client as I get paid by the lender, however there may be occasions where a consultant's fee may be charged in order to handle a creative financing opportunity. I strive to make this process simple and understandable for all clients and I pledge to be attentive to the needs of each family in order to earn your trust and the opportunity to earn your business into the future and that you are pleased to provide referrals to your associates, friends and other family members.
At your convenience, please give me a call so I can begin to work for you!”
Shop With Confidence
Find Out What You Can Afford http://www.tdcanadatrust.com/mortgages/canafford.jsp
Not sure how much of a mortgage you may qualify for? Use our handy calculator to figure out how much you can really afford so that you can shop for your new home with confidence.
Financing and Pre-approval http://www.tdcanadatrust.com/mortgages/finance.jsp
Get pre approved for a mortgage before you shop to ease your financial uncertainties.
Making the Mortgage Decision
You've found the perfect home. Before you buy, it’s important to make sure that you have a mortgage payment plan that works for you. Here are more resources to explore:
Choosing the Right Mortgage
http://www.tdcanadatrust.com/mortgages/select.jsp
Choose the mortgage with the features that meet your needs and lifestyle.
Mortgage Lineup http://www.tdcanadatrust.com/mortgages/lineup.jsp
Review the selection of home financing options offered by TD Canada Trust to help you find the right mortgage option to meet your unique needs. My Mortgage Selector http://calc.tdcanadatrust.com/MAT/Input
Not sure which mortgage is best for you? Your answers to a few simple questions will result in a mortgage recommendation that you can print and discuss in depth with a TD Canada Trust Mobile Mobile Mortgage Specialist in your neighbourhood.
Understanding the Right Mortgage Payment Plan for You
A Larger Down Payment Means Greater Savings
http://www.tdcanadatrust.com/mortgages/downpayment.jsp
The size of a down payment can vary and generally ranges from 5% to 20% of the purchase price. When structuring your mortgage, keep this is mind to help save you money.
Mortgage Payment Calculator http://www.tdcanadatrust.com/mortgages/afford.html
Use this tool to calculate your potential mortgage payments and work out the mortgage payment plan that is right for you.
Finalizing Your Real Estate Purchase
Ensure that the home buying process comes to a successful close by taking advantage of these resources:
Completing the Paperwork
http://www.tdcanadatrust.com/mortgages/arrange.jsp
Arriving prepared with all the documentation you need to secure your mortgage will make the process quick and easy!
Closing Costs
http://www.tdcanadatrust.com/mortgages/closing.jsp
When buying a home there are legal and administrative fees and disbursements. Knowing what to expect can help you prepare a more accurate budget and lead to a more comfortable home-buying experience.
Protecting Yourself and Your New Investment
http://www.tdcanadatrust.com/mortgages/mort_ins.jsp
Build convenient, affordable insurance coverage right into your mortgage.
