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Buying your first home? Send me a message, it's a great time to get in the market! I will help you navigate the process, present you with mortgage options, and ensure you get not only the best rate for your situation but also the terms you need. If you’re looking at potentially buying or investing in real estate, send me a message. I will show you your mortgage options and we can lock in a rate for you Send me a message or give me a call today. ☎️647.453.7969 📩 svazhavilla@mortgagealliance.com Commercial / First time Home Buyers / New to Canada / Rent to Own Program / Mortgage Renewal / Refinancing / Home Equity Line of Credit Debt Consolidation Second Mortgage Preapproval / Bad / Low Credit / Self Employed /Construction Loan / personal Mortgages, 1st, or 2nd Mortgage. Home equity loans. Business loans, small business franchises, Truck and equipment financing etc How much can you afford? Check with our affordability calculator. https://www.mortgagealliance.com/en/SunilVazhavilla/affordability-calculator/ Apply online : https://www.mortgagealliance.com/en/SunilVazhavilla/apply-online/ #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage#Mortgages #MortgageBroker LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

The Stress Test is used for mortgage qualifying purposes only and it is a rate higher than actual mortgage rates. Since it is higher than actual mortgage rates this can impact your borrowing power. As a mortgage professional, I have access to alternate lending options like credit unions and private lenders with alternate qualifying requirements. Reach out to learn more, I'm here to help! Contact me @ 647.453.7969 for a free consultation. Commercial First time Home Buyer / New to Canada / Rent to Own Program / Mortgage Renewal / Refinancing Home Equity Line of Credit / Debt Consolidation / Second Mortgage Bad / Low Credit Self Employed / Construction Loan / Personal Loan / Mortgages, 1st, or 2nd Mortgage/ Home equity loans/ Business loans / small business franchises, etc. How much can you afford? Check with ur affordability calculator. https://www.mortgagealliance.com/en/SunilVazhavilla/affordability-calculator/ Apply online : https://www.mortgagealliance.com/en/sunilvazhavilla/ #Toronto Real Estate Group #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage#Mortgages #MortgageBroker #MortgageAlliance LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

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While some buyers are waiting on the sidelines, others are jumping in. What you might not realize is that there are benefits to buying in a slower market, such as; Less competition, which gives the buyer more edge. Prices are coming down from the record highs, making homes more affordable. What goes up must come down, and when rates do come down, those who got into the market today will be able to restructure their mortgage and save on interest in the long run. Contact us ☎️647.453.7969 📩svazhavilla@mortgagealliance.com First time Home Buyers / Commercial / Rent to Own Program / Mortgage Renewal / Refinancing / Home Equity Line of Credit / Debt Consolidation / Second Mortgage / Preapproval / Bad / Low Credit / Self Employed /Construction Loan / 1st, or 2nd Mortgage / Home equity loans / Shared equity Home ownership Program/ Business loans / small business franchises / ******** Truck and equipment financing etc ******* #GTA #Scarborough #NorthYork #Toronto #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #privatemortgages #homebuyer #mortgage #mortgageexpert #mortgageadvisor #LowestInterestRates #debtconsolidation Ask me for information on home and auto insurance Contact me @ 647.453.7969 for a free consultation. LIC # M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

If your mortgage is coming up for renewal, you must prepare for higher rates. It is not about panicking; it’s about being prudent. Here are three strategies you can implement to get ready: 1. Take advantage of your prepayment privileges and increase your payment amount. You’ll pay down more principal and be accustomed to paying a higher amount at renewal. 2. Watch your bad debt. Be cautious about any credit card or high-interest debt. 3. If you are considering moving to a new home, get a pre-approval to protect you while shopping around. Consider not borrowing the maximum amount your lender will allow. The best thing to do is get advice early. Reach out, and let's determine your best personal strategies to prepare. Contact us ☎️647.453.7969 📩svazhavilla@mortgagealliance.com First time Home Buyers / Commercial / Rent to Own Program / Mortgage Renewal / Refinancing / Home Equity Line of Credit / Debt Consolidation / Second Mortgage / Preapproval / Bad / Low Credit / Self Employed /Construction Loan / 1st, or 2nd Mortgage / Home equity loans / Shared equity Home ownership Program/ Business loans / small business franchises / ******** Truck and equipment financing etc ******* #GTA #Scarborough #NorthYork #Toronto #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #privatemortgages #homebuyer #mortgage #mortgageexpert #mortgageadvisor #LowestInterestRates #debtconsolidation Ask me for information on home and auto insurance Contact me @ 647.453.7969 for a free consultation. LIC # M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

You can improve your ability to qualify for a mortgage. To get an idea of what strategies will work best for you, reach out as early as possible in the process to start the conversation. Being as prepared as possible will reduce stress and possibly save you money. Five ways to improve mortgage qualifying success 1. Help from parents – co-sign, gifted down payment 2. Pay off debt 3. Polish your credit 4. Put down a larger down payment 5. Get advice early Contact us ☎️647.453.7969 📩svazhavilla@mortgagealliance.com First time Home Buyers / Commercial / Rent to Own Program / Mortgage Renewal / Refinancing / Home Equity Line of Credit / Debt Consolidation / Second Mortgage / Preapproval / Bad / Low Credit / Self Employed /Construction Loan / 1st, or 2nd Mortgage / Home equity loans / Shared equity Home ownership Program/ Business loans / small business franchises / ******** Truck and equipment financing etc ******* #GTA #Scarborough #NorthYork #Toronto #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #privatemortgages #homebuyer #mortgage #mortgageexpert #mortgageadvisor #LowestInterestRates #debtconsolidation Ask me for information on home and auto insurance Contact me @ 647.453.7969 for a free consultation. LIC # M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

If your mortgage is coming up for renewal this year, don’t panic. Reach out to explore your options. I have access to over 60 lenders and will be able to run your numbers to see what term is best for you. Plus, my services are free! Contact us ☎️647.453.7969 📩svazhavilla@mortgagealliance.com First time Home Buyers / Commercial / Rent to Own Program / Mortgage Renewal / Refinancing / Home Equity Line of Credit / Debt Consolidation / Second Mortgage / Preapproval / Bad / Low Credit / Self Employed /Construction Loan / 1st, or 2nd Mortgage / Home equity loans / Shared equity Home ownership Program/ Business loans / small business franchises / ******** Truck and equipment financing etc ******* #GTA #Scarborough #NorthYork #Toronto #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #privatemortgages #homebuyer #mortgage #mortgageexpert #mortgageadvisor #LowestInterestRates #debtconsolidation Ask me for information on home and auto insurance Contact me @ 647.453.7969 for a free consultation. LIC # M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

We know that borrowing money is harder for self-employed Canadians, which is one of the reasons why working with a Mortgage Alliance Professional is so important. Mortgage Alliance Professionals have access to lenders specializing in self-employed mortgages and understand business owners' challenges. If you are self-employed and looking to buy, renew or refinance, reach out to me your Mortgage Alliance Professional. Contact us ☎️647.453.7969 📩svazhavilla@mortgagealliance.com First time Home Buyers / Commercial / Rent to Own Program / Mortgage Renewal / Refinancing / Home Equity Line of Credit / Debt Consolidation / Second Mortgage / Preapproval / Bad / Low Credit / Self Employed /Construction Loan / 1st, or 2nd Mortgage / Home equity loans / Shared equity Home ownership Program/ Business loans / small business franchises / ******** Truck and equipment financing etc ******* #GTA #Scarborough #NorthYork #Toronto #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #privatemortgages #homebuyer #mortgage #mortgageexpert #mortgageadvisor #LowestInterestRates #debtconsolidation How much can you afford? Check with our affordability calculator. https://www.mortgagealliance.com/en/SunilVazhavilla/affordability-calculator/ Apply online : https://www.mortgagealliance.com/en/SunilVazhavilla/apply-online/ Ask me for information on home and auto insurance Contact me @ 647.453.7969 for a free consultation. LIC # M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated