Buying a house can be incredibly exciting, and it is considered a major milestone for most adults. However, nobody ever said house hunting was easy—in fact, the process typically contains numerous challenges that can put even the most balanced and optimistic people on edge. Knowing your credit score is essential when planning on applying for a mortgage. That means it’s best to get a mortgage pre-qualification. After all, the last thing you want is to try making an offer on a house and then find out you aren’t actually qualified to buy it. Assessing your credit will help you figure out the interest rate you’re likely to receive on the mortgage you eventually take out. For more details, Contact our WOLFPACK Mortgage Solutions Mortgage Experts! Email: nishant@wolfpackmortgagesolutions.com Tel:647.646.6843. #wolfpackmortgagesolutions #canadianmortgages #dlc #mortgage #mortgagebroker #mortgageagent #refinance #newhome#mortgagerenewal

To best meet your needs, I have a wide array of products to choose from – banks, private sources, independent lenders, etc. Whether you are looking to explore your options or get a second opinion, the lending options I have available could save you thousands! Contact us ☎️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 ******* #Mortgage #Refinance #Renewal #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #privatemortgage #privatemortgages #homebuyer #mortgage #mortgageexpert #mortgageadvisor #LowestInterestRates #debtconsolidation #DebtConsolidate 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

Looking to access the equity in your home? AKAL Mortgages Inc. can help! We offer home equity loans with competitive rates and terms. Contact us ☎️647.453.7969 📩svazhavilla@mortgagealliance.com For more details about the HELOC: https://akalmortgages.com/home-equity-line-of-credit 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 ******* #Mortgage #Refinance #Renewal #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #privatemortgage #privatemortgages #homebuyer #mortgage #mortgageexpert #mortgageadvisor #LowestInterestRates #flexiblepaymentoptions #akalmortgagesinc 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-

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

As a mortgage agent, my main goal is to eliminate our clients’ stress and offer a variety of solutions for any given situation. Typically speaking, clients would have to arrange time off work for an initial meeting with a mortgage agent, again to review their mortgage commitment & sign documents, and then lastly when signing with their lawyer. But, what if we told you that you can avoid asking for all this time off work?? Electronically signing documents saves time, reduces the need for paper-driven processes, and offers you the flexibility to sign a document from almost anywhere, on most devices. Contact me today! Nishant Govindan - Mortgage Agent Email: nishant@wolfpackmortgagesolutions.com Tel: (647)646.6843 www.nishantgovindan.com #wolfpackmortgagesolutions #canadianmortgages #dlc #mortgage #mortgagebroker #mortgageagent #refinance #newhome #mortgagerenewal #kingstonontario #perthontario #bellevilleontario #londonontario #oakvilleontario #ottawaontario #westportontario #toronto #brampton #vaughan #oakville #vancouver #calgary #pembroke #cornwall #gananoque #napanee #ajax #whitby #durham Powered by DLC National FSRA#12360 Independently owned and operated.

There are so many reasons why people choose to refinance their home mortgage – some you may already know, and some you may not have thought about. For example: To cash out your home’s equity for things like: 🔵Consolidating high-interest debt into a lower-interest mortgage payment. 🔵Finally tackling those home renovations. 🔵Funding college tuition. Or you may want to: 🔵Lock in a lower interest rate, which may lower your monthly mortgage payment. 🔵Switch from a 30-year to a 15-year term and pay your mortgage off quicker. 🔵Get rid of Private Mortgage Insurance (PMI). We’re here to answer any questions you may have. Contact me today! Nishant Govindan - Mortgage Agent Email: nishant@wolfpackmortgagesolutions.com Tel: (647)646.6843 www.nishantgovindan.com #wolfpackmortgagesolutions #canadianmortgages #dlc #mortgage #mortgagebroker #mortgageagent #refinance #newhome #mortgagerenewal #kingstonontario #perthontario #bellevilleontario #londonontario #oakvilleontario #ottawaontario #westportontario #toronto #brampton #vaughan #oakville #vancouver #calgary #pembroke #cornwall #gananoque #napanee #ajax #whitby #durham Powered by DLC National FSRA#12360 Independently owned and operated.

Purchase + Improvements Mortgages are ideal for those looking to purchase a home with great potential but need a little extra work. Let us help you understand the guidelines around these products to ensure it suits your needs! For more details, Contact me today! Nishant Govindan Email: nishant@wolfpackmortgagesolutions.com Tel: (647)646.6843 www.nishantgovindan.com #qotd #wolfpackmortgagesolutions #canadianmortgages #dlc #mortgage #mortgagebroker #mortgageagent #refinance #newhome #mortgagerenewal #kingstonontario #perthontario #bellevilleontario #londonontario #oakvilleontario #ottawaontario #westportontario #toronto #brampton #vaughan #oakville #vancouver #calgary #pembroke #cornwall #gananoque #napanee Powered by DLC National FSRA#12360 Independently owned and operated.

What does it mean to renew your mortgage early? When you get a mortgage to buy a property, your loan has a fixed term. This is called a mortgage term. When your term ends, you must renew your mortgage, or pay off what's left of it. A pre-term mortgage renewal occurs when you choose to renew your loan before your current term officially ends. By that time, the prevailing interest rates (what it costs to borrow) may have changed. When renewing, you can also choose to change the length of your new term. For example, 3 years instead of 5. To simulate borrowing scenarios, use our mortgage payment calculator. https://nishantgovindan.com/refinance/refinance-calculators/ Be careful of penalties! Most lenders will let you renew your mortgage up to 6 months before it expires, penalty-free. Before this 6-month period, certain fees may apply. That’s why it’s important to make your calculations before deciding. Compare the difference between the penalty and the interest savings that the new mortgage rate could provide. In general, the later the mortgage maturity date, the higher the penalty. Contact me today and I will do a quick and thorough assessment. Give you the straight goods on your personal situation. Your success is important to me. Nishant Govindan Email: nishant@wolfpackmortgagesolutions.com Tel: (647)646.6843 www.nishantgovindan.com #wolfpackmortgagesolutions #canadianmortgages #dlc #mortgage #mortgagebroker #mortgageaget #refinance #newhome #mortgagerenewal #kingstonontario #perthontario #bellevilleontario #londonontario #oakvilleontario #ottawaontario #westportontario #toronto #brampton #vaughan #oakville #vancouver #calgary #pembroke #cornwall #gananoque #napanee #ajax #durham Powered by DLC National FSRA#12360 Independently owned and operated.

Equity is an asset that your home accumulates as you pay down your mortgage. You can also increase your equity by making renovations or otherwise improving how valuable your property is. Your equity will even rise by itself if your neighborhood becomes more desirable. To calculate how much home equity you have, simply tally up the estimated real estate value of your property and subtract the balance remaining on your existing mortgage. Once you have at least 20% equity, you’ll be able to access a variety of credit products that are secured against it. For more details, Contact me today! Nishant Govindan Email: nishant@wolfpackmortgagesolutions.com Tel: (647)646.6843 www.nishantgovindan.com #wolfpackmortgagesolutions #canadianmortgages #dlc #mortgage #mortgagebroker #mortgageaget #refinance #newhome #mortgagerenewal #kingstonontario #perthontario #bellevilleontario #londonontario #oakvilleontario #ottawaontario #westportontario #toronto #brampton #vaughan #oakville #vancouver #calgary #pembroke #cornwall #gananoque #napanee #ajax Powered by DLC National FSRA#12360 Independently owned and operated.

As many self-employed clients have realized, the task of acquiring a mortgage can be trickier than those working as an employee. But rest assured! Wolfpack Mortgage Solutions Team specializes in providing mortgage solutions for those who are self-employed. With access to over 60 lenders, I ensure you will get the right mortgage for your situation. For more details, Contact me today! Nishant Govindan - Mortgage Agent Email: nishant@wolfpackmortgagesolutions.com Tel: (647)646.6843 www.nishantgovindan.com #wolfpackmortgagesolutions #canadianmortgages #dlc #mortgage #mortgagebroker #mortgageaget #refinance #newhome #mortgagerenewal #kingstonontario #perthontario #bellevilleontario #londonontario #oakvilleontario #ottawaontario #westportontario #toronto #brampton #vaughan #oakville #vancouver #calgary #pembroke #cornwall #gananoque #napanee #ajax #durham Powered by DLC National FSRA#12360 Independently owned and operated.

Goodbye January, Hello February! And just like that the first month of the year has come and gone and we are ready to greet February, the month of love, with open arms! Nishant Govindan - Mortgage Agent Email: nishant@wolfpackmortgagesolutions.com Tel: (647)646.6843 www.nishantgovindan.com #wolfpackmortgagesolutions #canadianmortgages #dlc #mortgage #mortgagebroker #mortgageagent #refinance #newhome #mortgagerenewal #kingstonontario #perthontario #bellevilleontario #londonontario #oakvilleontario #ottawaontario #westportontario #toronto #brampton #vaughn #oakville #vancouver #calgary #pembroke #cornwall #gananoque #napanee Powered by DLC National FSRA#12360 Independently owned and operated.