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If you are shopping for a mortgage, it is essential to know what you need to qualify, but it is also important to understand what could be holding you back from qualifying for a mortgage. Below are 5 points that could be impacting your chances of being approved for a mortgage: Carrying too much debt Poor credit history or not enough credit history Not enough income or assets Not enough of a down payment Unstable employment history If you feel any of the above points could be holding you back from getting approved for a mortgage, reach out. I am armed with solutions for every situation. 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

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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

There are so many reasons to get your mortgage with me over your Bank! When you have a choice, you can be confident you got the best rate and mortgage for your situation. Professional advice is also crucial in today's changing marketplace, as is convenience and getting solutions when needed. 1. Choice. Get access to numerous lenders, including major banks. 2. Professional Advice. Make an informed decision and save money. 3. Solutions. If you don’t qualify for a Bank mortgage, we can help. 4. Convenience. Everything can be managed around your busy schedule. 5. Great Rates! 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

Mortgage rates can be misleading. The lowest rates are not always available and may not apply to situations such as conventional mortgages, refinances, 30-year amortizations, or rental properties. Online rate advertisements often dangle enticing rates, but upon closer examination of the fine print, many individuals may discover that they do not actually meet the qualifications for those rates. Plus, these advertisements frequently come with restrictions that could prove costly for homeowners in the long term. If you come across an online rate advertisement, it's essential to do your research. However, it is equally important to contact me for a discussion. As your Mortgage Broker, my role is to comprehend your unique circumstances and advocate for your best interests. 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

Monthly mortgage payments are the most standard, and lenders use this common payment to calculate the amount you would pay on other schedules. But choosing another option can shave time off your mortgage and thousands from your interest costs. 📌 Semi-monthly means you will divide your monthly mortgage payment in half and pay that amount twice a month. 📌 Biweekly means paying 26 payments yearly, once every 2 weeks. For 3 months each year (usually), you'll need to make 3 payments in a month. 📌Biweekly Accelerated means you're paying 26 payments each year, with an extra monthly payment added into the calculation and spread out over the year's payments. For 3 months each year (usually), you'll need to make 3 payments in a month. On average, this payment method can take your amortization from 25 years to 22.5 years. 📌Weekly means you're paying 52 payments each year, which is once a week. 📌Accelerated means you're paying 52 payments each year with an extra monthly payment added into the calculation and spread out over the year's payments. On average, this payment method can take your amortization from 25 years to 22.5 years. 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