Rosemary Papp

With over 36 Years Local Experience to Serve You

778-834-8021

 

Thanks to Vivian Hatiras, Mobile Mortgage Specialist who offers the following guidelines for thinking and learning about mortgages. 

 
 

cropVivian ”I help my clients to build a complete financial plan for their lending needs. Whether they are purchasing or building a home, refinancing the existing mortgage, consolidating debt or transferring from another financial institution, I educate my clients from the preapproval stage to well after the closing date; giving them the tools they need to reach their financial goals.

 

I can help you balance life with managing your mortgage.  Whether you’re renewing or refinancing your mortgage or just starting out, there are many ways I can help you save money and find balance when it comes to your mortgage and your lifestyle needs.

Here are 5 Consumer Tips:

  1. Know what you can afford before you fall in love.
  2. Save a lot of money later by spending a little of it now.  Consider making a larger down payment on your home purchase.  A larger down payment will also reduce the cost of mortgage loan insurance, which is required if your down payment is less than 20%.  Another easy way to save money is by making accelerated weekly or bi-weekly mortgage payments, instead of monthly ones.
  3. Get the mortgage that’s right for you. If you worry about changing interest rates and the potential impact on the exact amount you will pay each month, look at a longer-term fixed-rate mortgage. If you are comfortable with fluctuating interest rates and knowing your payments could change depending on what happens with interest rates, then a variable interest rate mortgage might work for you.
  4. Remember to save for additional costs. Many new homeowners are surprised when they discover that the purchase price and mortgage payments are not the only costs associated with owning a home. Make sure you have an adequate financial buffer to cover the one-time costs required to complete your home purchase. I can help you with an itemized list.
  5. Buying your first home?  Learn the basics, calculate costs and get comfortable with all the details you need to know before you purchase.

Being a Mobile Mortgage Specialist I’m available 24 hours a day, 7 days a week to meet with you to suit your schedule, call me today at 604.868.0415.” -Vivian

 
 
 
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Direct: 778-834-8021
Toll Free: 1-888-707-3577
Rosemary's Email: rosemary@homesinlangley.ca
RE/MAX Treeland Realty
#101 - 6337 198 Street
Langley BC V2Y 2E3
www.HomesinLangley.ca