Ryan Roth Mortgages

Both fixed and variable rates have seen recent decreases. If you were pre-approved a few months ago it’s worth getting a refresh and rate hold since you could have more borrowing power than you originally thought!

Are we there yet?!
If you’ve never been through the mortgage process it can be quite common to not know where you are and what comes next. That’s why we pay extra attention to letting you know the next step and what if anything you need to do or what to expect.

Do you want to get the best deal at mortgage renewal time?

It’s not as hard as you might think.

The best way to get started is to reach out via phone, text, email, or DM.

We can then gather a few key pieces of information and then I track and take care of the rest!

📱519-535-3270
📧[email protected]

I recently was asked if the rate is different for a condo vs. a freehold property.

In almost all cases, the property type does not impact the rates available.

Do you have any questions about mortgages?

📱519-535-3270
📧[email protected]

Myth or Fact?

Some believe that you must be debt-free to get a mortgage. Not true. Having some debt doesn’t disqualify you, but understanding your financial situation is key and the impact that could have on mortgage qualifying and the ability to manage all your obligations throughout the term.

If you are not increasing your mortgage or switching to a new lender, then there is no need to requalify assuming you are in good standing with your current lender.

It’s true. More flexibility on down payment and properties with 3 or 4 units. 😊