1st & 2nd Mortgage Brokers in Canada: Canadian Mortgage Tips for Mortgage Refinance, Second Mortgage and Debt Consolidation Loans

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Hi Joe, everything happened on schedule Aug. 26th as planned - thanks very much for all your work. I'm very pleased with how everything went and will certainly recommend your expertise and services to anyone I know who's looking for a mortgage or is refinancing!

Andrew Haig

Thank you Joe! I want to take this opportunity to say thank you for all you have done.

I truly appreciate your professionalism with a human touch. You are a light when things seemed so dark... My deepest appreciation! Susan F.

Hi Joe, Just a note to thank you for all your assistance with this latest deal. It is a pleasure to do business with a TRUE professional !!

Bill & Marie Berrill

Hi Joe, I would like to express my sincere gratitiude for your assistance in getting our refinancing in a difficult situation and at a very good rate too!

We closed yesterday and I really don't think we could have done this without your knowledge and expertise.

Terry Wastesicoot

Just wanted to thank you very much for your help with our mortgage.

It was a bit of a trying time for us not knowing whether or not if we were approved, but, with your hard work and perservation, you made it reality for us.

Just wanted to take this time to tell the skeptics out there, that your site really does work! Thanks so much for helping us.

Mr.& Mrs. Bennett

I would like to say thank-you so much for everything you have done for me and my family.

Joe I will be in contact with you in about 20 months to see if you can put this 2nd morgage into our 1st. Again thanks so much!

You were really great to our family!!! Talk to you again in a couple of years!!

Nicole and Terry Harris

Thank you very much for all of your help. We really appreciate your promptness and your great knowledge.

You have made this process a great ease and pleasure.

Cheryl and Robert McLachlan

I would definitely recommend you to friends and relatives.

The whole process was relatively painless and very quick.

From the time I received your first response until the time the closing papers were sent to the lawyers was less than 1 week.

I was very impressed with your efficiency and professionalism.

Ingrid Clarke-Pitt

I just wanted to thank-you again for all your help.

This is going to make a huge difference for us financially, just the interest alone we were paying out. We feel such a relief that this is all in one mortgage and at such a low rate.

I will definitely recommend your company to anyone looking for mortgage advice. Again thanks very much!

Debbie and Raymond Jack

Our experience was exceptional. We thought that we had run out of options in terms of trying to combine our payments into one, but Joe and his team came through for us.

They were all so wonderful and very helpful. We have less stress and payments to worry about.

The whole process did not take long and they kept us informed throughout the whole goings on.

Once again, a big thank you to you and your assistants for all your hard work, and we would definitely recommend you to anyone in a similar situation as ours.

The Corneilse's

It was fast easy and painless. The banks are a pain in the having to jump through hoops when you are more than qualified. The service was spectacular.

Bill & Kathy Hopper

Joe Malek was great in helping me find a mortgage. I had shaky credit due to layoffs and a break-up which left me financially strapped.

The thought of renting after being a homeowner for 7 years was causing me to lose sleep at night! Thanks to Joe Malek, I own a home again and I sleep a lot better at night. Thanks Joe!

Michelle Kamermans

Joe took a lot of pressure of my wife Pat an myself at the time of our retirement when we had no options he found us a perfect one.

He was fantastic and a great person to deal with Thanks Joe for making our retirement easier on us!

Raymond Bennett

Joe and all his assistants were always very helpful and polite. Answering any questions I had promptly and efficiently.

My whole experience was a wonderful one.

After dealing with banks that treated me as a number not a client it was refreshing to be treated with respect and understanding. Thanks again Joe!

Susan Langstone

I wanted to thank you for all your assistance in helping us get out of our financial difficulties. I think we can finally see a light at the end of the tunnel.

You don't know how much this has lifted the stress we've been dealing with the last couple of years. We are forever grateful to you.

I will definitely recommend you to whomever is looking for someone to help them with their mortgages.

Duane Wagenknecht

I'd like to thank you for your professionalism and excellent communication. It made this application a breeze.

Mark Danko

Just when I thought I had run out of option of getting back on track financially, the internet was my last resort, and in my search came upon the website of Joe Malek, and I was certainly happy that I did.

Mr. Malek was very courteous and helpful. Each and every phone call, and or email he placed to provide me with the next step that I required to set me on the path of recovery from financial distress.

And let me tell you, financial distress is not a pleasant place to be in for any period of time.

Cheryl BM

We recently refined our house through Joe.

Because I recently became self-employed, I didn't meet the criteria for most mortgage companies (including the one I had been with for five years).

Joe found a product that was perfect for us and the service was excellent. Very satisfied!

Michael McFarlane

Joe made our lives so much easier by saving us $1,300 per month.

It was the quickest and easiest thing I've ever had to do to get the best mortgage rate possible and of course save ourselves money.

Joe was quick and extremely efficient. He handled everything that needed to be done.

I would recommend Joe to anyone. His professional and courteous attitude is a pleasant bonus.

Jacqueline Micallef

This was our first experience with a mortgage broker and I have to say that it will not be our last.

A huge thank you to Joe Malek for assisting us with our recent mortgage transaction.. Would I use your service again? Absolutely!! Frankly I can't imagine not using your service in the future.

The process was extremely professional, conducted with dignity and at all times we felt that we were in the drivers seat (with a great copilot).

All of our questions were handled quickly and we were kept updated throughout the process. The fact that we saved some money beyond what our own efforts yielded is an added bonus.

We have told my friends and family (including parents) about the great work that you do and would have no hesitation to recommend your service to anyone.

Thanks again and look forward to hearing from us when my mortgage comes up for renewal.

Andre and Susan Allen

We are very happy with the service.

I first emailed you after finding and reading about your services on the web site. You replied right away and within a couple of days our dreams were answered. You know we had that R9 on our credit rating and was happy that you heard our side of the story.

We are hard working honest people that just desperately needed a second chance and we are very grateful you went to bat for us and gave us that.

All of our bills are now consolidated to one monthly payment and we are saving approximately $800.00 per month.

Again, thank you for your prompt attention to our request (we were getting very desperate) and we would be very happy to forward any business your way.

Kathy and Keith Baldry

Thank You for all the help you have given us. Thanks to your professionalism and dedication we were able to consolidate our debts and save $500 a month .

We did not think this was possible had we not found your services on the net. It was a great relief to find such courteous and professional help. We are now in the process of reducing our debts at an unbelievable pace.

Thanks to your helpful advise and service we are feeling the releif of stress on our daily and monthly living and still know that we are heading in the right direction with the goal of eliminating our debts. Twenty times ThankYou would not be enough to say how you have changed our future.

We will be recommending your services to anyone in need as we have found in the past good help is hard to find in these financial matters.

Yvon & Joanne

Thank you for your quick and easy solution to our financial problems. Things will now be alot easier to handle around here.

You have freed up about $500 a month which will make paying the bills a breeze.

Thank you again for your help, again.

Debbra Burns

I was very leary about applying for a consolidation loan over the internet but I was in some financial trouble and needed a way out.

Well Joe Malek with Refinancing Tips did that, found me a way out. After giving my information to him Joe said "Leave it with me and see what I can do" I thought to myself hear we go again another refusal.

You see I have been turned down by 3 major banks and even some loan companies.

Joe called me back in a couple of days and had something for me. He was able to save me about $456.00 a month and in my postion thats alot of money.

I would like to thank Joe Malek for all his work (all I did was answer questions which made the process easy) and I would definitly recommend him to anyone I know who is having money problems.

Lewis

Joe, Thank you so much for helping me and my husband with our debt reduction plan.

My monthly payments went down by $1400.00! I can finally breathe again, I no longer feel I am drowning in debt. I have just finished my Christmas Shopping and Thanks to you I was able to pay for it all in CASH!

It only took 2 short weeks from the time I decided hmmmmmmmmm I have to do something or else I will go bankrupt till the WOW we are HOMEFREE.

You made the process so simple and gave me all the options, your website is extremely informative! Joe, you never ever made me feel silly for racking up so much debt!

I would recomend Joe to any and all of my friends. It has truly been a pleasure.

Denyse

Thank you very much. It was a pleasure doing business with you.

The service was great the process was very easy and we were very pleased with the outcome as we saved hundreds of dollars each month.

David & Kelly Gale

You were awesome to work with and I appreciate how knowledgeable you were and the speed in which everything was done. Thanks again for all your help.

Sherri McKenna

We are saving approx. $600.00 per month and with all your help our finances are not stressing us out like they used to.

I really don't know what would have happened if you couldn't help us and I was very impressed with the personal interest you guys took and how efficient and quick the whole process was.

I would not hesitate to recommend your services to family and friends.

Cathy Vis

My husband and I have appreciated your help!

After being turned down by a major financial institution where we had received bad service; it was refreshing to have people that handled your cause with dignity.

Often you get treated with disrespect and indignity and we received quick, positive service.

We found them to work a deal that was within our budget and it seemed to go so hassle free. Thank you again!

Sandi Charbonneau

We found your service to be very professional and most importantly helpful in obtaining for us a very favourable interest rate thereby reducing our monthly payments by about $800.00/month.

The whole ordeal was quite painless and I would definitely recommend your services to others and will do so when I can. Again, thank you very much for all your help.

Mary Divitcoff

My husband and I are very pleased with your services. It has brought our monthly payments down to almost half.

I will certainly keep you in mind for anyone else needing the financial help in the future. Again thank you for all you hard work.

Diane Osborne - Flude

I am highly pleased with your service. After refinancing my house, I have about $800 monthly in my pocket that would have gone to loan & credit card payments.

You saved me time and hassle, it couldn't have been easier. Even though you're an internet based service, I found the process far more personal than dealing with my bank.

Thank you so much, I've already recommended you to a co-worker.

Vivian

Ray & I would like to thank you very much for helping us with our debt consolidation.

We refinanced our mortgage and did a debt consolidation as well. We have saved at least $2000.00 a month .

The process was quite easy and you were extremely helpful and pleasant. You went out of your way to help us and we appreciate the professional way you handled everything.

There was no prejudging or criticism because of our position. We had approached the banks for help but found them very cold and not helpful at all. Even through some difficulties concerning the Fax machine, and Tax return forms , you were able to help us over these small obstacles.

I would recommend your services to anyone who needs advice and help with any financial difficulties. We are very happy and now do not have the pressures financially that we had a few months ago.

We can breathe a little easier and plan our finances a lot better. The stress has eased. The process was very easy and straight forward and we were pleased that we had access to the internet.

I think your service is especially helpful to those people who are self-employed. Thank you again and may God bless you as you continue in a professional manner to help others.

Frances & Ray

We found your website very helpful. Everything we needed to know was right there.

We saved a lot of money. Our bills have been cut in half!!!!

The process was so simple, on line, in my house and no appoinments to try and book.

My husband and I work opposite shifts, so it is very difficult to arrange meetings for both of us! That wasn't necessary with Joe!

I will recommend you to everyone we know. Thanks for everything.

J&C Campbell

My Husband and I would like to say thank you, for helping us in our time of need, with your help we were able to consolidate all of our debt into payments that are more affordable and beneficial to us.

We can now save a little each month to build a nest egg so that we don't have to worry like we used to. It is a great feeling to have money in the bank and to enjoy life again. Thank you Joe.

Aileen and Anthony Waithe

Dave and I would like to thank you for all your help with our debts. I feel that we can get ahead now. You are very kind and give exceptional customer service as well you treated us with repect.

Tina and Dave Pilon

Just wanted to say it is I who should be thanking you for the Execellent service you provided me. Not only was your service very Professional, you made every step quite simple. I have already recommended you.

Mervyn Parris

My husband and I were deep in debt, and having no luck with trying to refinance through our local Bank.

Then I found your Web Site, which was very easy to read and understand.The application process was simple, and your response almost immediate.

We were extremely pleased with the service you gave us - which was prompt and efficient. We would recommend your Refinancing Service to everyone!

Clare Gardner-Durdle

We would like to thank you for helping us out.

You provided very knowledgeable and prompt service in spite of our fax and printer not working properly.

We figured out that with our new financing we are probably saving around $400.00 per month. Again thank you Joe.

Deborah Stevens

Dear Joe: Just dropping you a line to tell you how much we appreciate the "no run-a-round" mortgage renewal.

We would like to thank you for the fast and professional manner in which we were treated and how easy it was to apply.

We had checked several sights on the internet and found yours to be the most informative and we have no problem recommending your services to anyone. Thanks again.

Nancy and Ray Keeso

I would like you to know that both Mary and I were very pleased with the service that you provided.

Your web-site was informative and very easy to use. You were very sensitive to our needs and at no time did I feel uncomfortable dealing with you.

It's never easy when trying to get your finances in order and some companies, I have found, seemed very insensitive towards us and our problems.

Again, Joe, thanks for your help and I must emphasize that this transaction was handled professionally and courteously.

Tom & Mary Fields

It was a sincere pleasure doing business with you. Your courtesy, and understanding of our situation, put us at ease and the ease of delivery of documents and the loan was great.

As everyone is so busy, it was wonderful to be able to complete a lot of the information via Internet, fax or efax.. Your service was great and I would recommend you to anyone who needs help sorting out a financial situation.

I will recommend you to all my friends and thank you for your time, kindness and patience. It was our pleasure.

Wanda Hoffman

Recently I needed to do some refinancing of my mortgage and my own bank would not help me, so I turned to the internet and found Joe Malek.

He was professional and helped me consolidate everything into a first mortgage.

His service was fast and efficient and I would highly recommend him to help out with any financial arrangements that you require.

Tammy Robinson

It remains to be seen whether or not I have made the right move but regardless, I needed to do something immediately and you people achieved that goal promptly, efficiently and effectively.

I at least feel that I have some 'breathing room' now in order to make a substantial gain in straightening out my financial outlook.

I sincerely hope I will not need your services again, but if I do, I'm sure I will get the same prompt and effective service and I would recommend to others who might be in a 'bind' to give you the opportunity to assist them in resolving their situation.

You did a great job and once again I thank you!

Dan Arbic and Wendy Beer

Shopping for mortgage rates and services on the Internet was amazingly simple.

Joe Malek responded to our query immediately. His service was very personal and polite. He worked hard to get us the best rate at our terms.

He valued our business and proved it by seeing to every detail on a timely basis. Our mortgage has been in effect for several months now, and the lender has treated us very well.

The lender contacted us by phone to explain our contract and answer our questions about property taxes and so forth.

We are very happy with the whole transaction. We highly recommend Joe's services.

Karen Patron-Evans

I found your web-site excellent.

Information was obtained easily, promptly and with professionalism.

My husband and I are very pleased with the service we received from you and thank you once again for your courteous and professional service.

We look forward to dealing with you again in the future.

Brenda and Rod

As the owner of a small business I went deeply into debt trying to get established. I was very desperate when I first found your website.

I seemed to be drowning in debt and it seemed no one could offer any solutions. After I contacted you, I very quickly had a loan which consolidated my previous debts and included a line of credit to help me build up my business.

Thanks to you, I can meet my monthly payments and have money left to develop my business. Thanks again for your help!

Susan O'Reilly

I found the service you offered to be EXCELLENT.

It allowed me to obtain financing conveniently, on-line in my own home. My questions and application were dealt with promptly, and you helped me to pick the best product for my circumstances.

You obtained more for me than I thought would be possible, and I have already passed your name and number along to several people.

Debra Purkiss

Thank you very much for you help!

It was great dealing with someone who understands the urgency of such cases as mine, and deals with his clients in a timely and caring manner - certainly a nice switch from the big bank treatment.

Peter Chaba

Joe Malek was amazing and went way beyond our expectations. They were great from start to finish and really helped us out. Thank you!

Dennis Family

Being self employed, we got turned down by all major lenders in our area for no income verification mortgage.

We were pleasantly surprised to get a call the very next day that we were pre-approved. In less than 3 days our application for a mortgage was fully approved and we were able to move on to the next things on our to-do list.

Thank you Joe for your fast service!

Zubek Family.

Thank you so much. I really appreciate the speedy service you and your staff have provided for me this time and in the past.

It is great to deal with people who know what they are doing!

Diane Blake

Thanks for the great advice and the awesome book.

I have managed to dive into it a little bit and look forward to reading the rest. Myself and Tom were very pleased with all your and your help.

I would recommend your office and you to anyone.

The Dykstra's

Joe, my wife and I very much appreciate the work you have done on our behalf.

We have ended up with a mortgage on favorable terms and well positioned to improve that in the near future thanks to your advice.

My comfort level in dealing with you was established during our first discussion, in which you made sure I was clearly aware of all of the costs involved in each of the alternatives we discussed.

There have been no hidden fees or last minute surprises. We wanted to complete this mortgage arrangement in an unusually short time, and your cooperation in prompt responses and negotiating the same from the lenders was greatly appreciated.

We look forward to continuing to work with you, and we will certainly recommend your services to others.

John Sigurjonsson

Good Morning Joe, Has been a month since I received the 2nd mortgage with all your help and I am very very grateful.

I am now able to get back with doing my job without so much worrying and sleep much better at night.

The way you were able to approve me right away made me feel as though that even though I messed up in the first place, I had help, you and your team there to help.

I have started to read the book you sent to me and I have found it fascinating and in the future I am going to find out a way to apply it to my own life. I have always been able to claim my mortgage but not as good as the book has shown.

Once again thank you for all the help I have received from you and your team.

Dale Ewart

We would like to take this opportunity to gratefully thank you for doing an excellent job on getting the lowest possible rate on our mortgage.

At first we were a bit hesitant on dealing with a complete stranger over the internet, especially when it involved a major investment like our home, but after talking to you over the phone and conversing through e-mails, it was apparent that you are a very knowledgeable individual when it comes to financing.

Not only did you lower our rate and reduce our amortization period, but you managed to put an additional $950.00 in our pockets monthly by trimming our expenses from the recommendation you proposed to us.

This has taken a huge burden off our backs and we are not only finally starting to save money for once, but we are also using some of that extra cash to enjoy life more, like dinner, trips with the family and my wife's favorite, shopping.

Again, THANK YOU, and look forward to continue receiving your news updates which are always very informative.

Guy and Gerri Gizzo

I can't thank you enough for securing what must have been one of the most difficult mortgages to negotiate.

For a few months now, I've been holding off calling on you as I thought I would just try to survive until our mortgage becomes due in a few months - I was pretty sure that I can manage the bills (borrow from one card to another, after all I have a lot of low interest rate credit cards!) and thereby avoid paying mortgage penalty and potentially lower interest rates.

But then it came to the point when it was just all too much to handle. Now I feel so much better knowing that the next paycheck will come and I will have money left over in the bank.

Again, thank you for all your help and feel free to use me as a reference, although I'm sure all your clients offer to vouch for you! Elizabeth D.O.

Hi Joe. I'd just like to thank you for the fabulous services you provide.

This is the second time around as you brokered for us on our last refinance 3 years ago, and now that we're buying a new home I called on you again for a new mortgage.

I have to say you are quick to respond and processed our mortgage application in a very expedient manner, and got us an approval in a matter of a couple of days.

You did your best to accommodate all of our requests and of course there are sometimes bobbles and unexpected details to be looked after, all of which you approached with due diligence.

And, not to mention, the on-line process (from start to finish) is just soooo convenient. To think, no office visits. And we got a good mortgage at a very good rate.

Thanks again and I'd certainly recommend you to my friends and family.

Lovene McCalla-Lewis

My wife and I have owned our own home for 7 and a half years. We had been fortunate in that through hard work and cutting corners we were able to have our home increase in value by at least 35% and we only owed 66% in a first mortgage.

However, during this time we had allowed our credit card debt and a bank loan for daughter's education, car and home fixups to climb. I also noticed that the interest rate that we were paying was more than prime and advertised rates.

I then went on the web to explore the possibilities of refinancing our mortgage which still had 2 and a half years to go. I knew there would be penalties but had no idea how much. I also wasn't sure about any other details that would have been needed to be taken care of.

Anyway, I noticed Joe Malek's website and decided to fill out the questionaire.

Boy, was that one of my better life moves. Although I did have to pay some penalties for discharging my old loan, the significantly lower interest rate on my refinancing as well as increasing the amount of the mortgage paid off all our debts.

As well with the lower interest rate, we were paying out less per month. In addition, I could change the amortization of the previous 25 year term to a new 20 year term.

And still I was paying less per month. My wife who felt that she had to work to help pay off our debts, now was working because she wanted to and not because she had to. That decrease in stress alone was worth the work. Also, we are in need of another car and we will be purchasing one this summer.

But I do have to mention that everything wasn't all roses. It did take determination to follow things through. Although Joe was on the ball and kept things moving, I had to stay on top of my real estate lawyer to keep things moving on my end!

Would I recommend Joe to my friends and family? I already have. My father is retired and my mother is working part-time and they are renting. With the extra monthly funds we have, we are thinking of co-signing a mortgage for them for a condo in a small town in Ontario.

Another benefit would be that I don't have to figure out who to pay and when. I have one payment each month to pay for the new mortgage.

Finally, the last point is that my bank would match the new mortgage rate I was going to get but they wanted to close ALL my credit accounts! I wasn't looking at bankrupcy or was in trouble paying my debts. It's just I wanted to 'restructure' my debt. Thanks to Joe Malek, I was able to do this AND keep my credit accounts open.

Daryl Dolny

We strongly believe that a BIG THANK YOU is never too late to say. Although it should have been done immediately after we have been impacted with the benefits of refinancing our mortgage, we still want to extend our gratitude for your BEYOND AVERAGE SERVICE.

Not only that you have surprised us with the quantity and quality of the information offered on your web site, but you stand and act behind each and every written word.

We would especially like to underline the effect that your detailed and user friendly info package regarding the options related to refinancing a mortgage has on the ones like us - new immigrants. We were at the beginning, purchasing our first house, renovating it, bringing us into a very stressful and extremely sensitive experience.

Being open to too many information, being willing to learn everything (but walking), we were prone to many errors.

Mr. Malek during our collaboration you have helped us expressing more than a professional ethic, you gave a personal human dimension to the service that you have provided for us.

Your complete service, web info as an introduction and your thorough knowledgeable guidance EXCEEDed our expectation ( strongly believe others too).

We really appreciate your time spent with us and the wealth of good advices and collateral services (appraisal service) that you have offered us. We will certainly, highly recommend your name and services. Please accept our compliments.

Mirela and Miroslav Galic

Hi Joe, I wanted to drop you a short message to say "Thank you" for your assistance again with my mortgage renewal process.

I know you are a busy man but wanted to take a moment of your time to let you know that I appreciated your sincere approach to my specific situation and any concerns I had related to my mortgage .

My mortgage renewal was completed successfully with a minimum of difficulty thanks to your efforts and assistance. I will be contacting you again for my next renewal. I wish you and your family a safe and enjoyable holiday weekend.

Tim Lyndhurst

Hi Joe, This is a quick note to congratulate you on another job well done. It isn't very often in this day and age anyone goes out of their way to provide services the way you do fast, reliable, trust worthy As always I would recommend you to anyone
needing financial assistance.

Bill & Marie Berrill

From: Joe Malek --

Dear Friend,

Are you searching the internet for the best ways to consolidate your debt into one low monthly payment, refinance mortgage, renew mortgage or home purchase financing?

Are you looking to be pre-approved for your next mortgage at the best mortgage rates on the market for your situation?

Well... You’ve arrived at the right place -- I can provide you with up to 5 financing options at no obligations!

I am a specialist when it comes to low interest rate mortgage financing for home purchase, mortgage refinancing and renewal, 2nd mortgage and credit card debt consolidation.

I am ready to help you with...

	Home Purchase
	Mortgage Refinancing
	Home Equity Line of Credit
	No Income Verification Mortgage For Self-Employed
	New Immigrant Mortgage
	Second Mortgage
	Income Property Mortgage
	Re-Establish Credit Rating
	Stop Foreclosure

The first thing you'll need to do is subscribe to my mortgage tips newsletter where you will discover the best mortgage products at the best mortgage rates on the market today.

To join my FREE mortgage tips newsletter simply enter your full name and email address below but please make sure you enter your full name and correct email address to receive all of this insider information.

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Would you like a TD Bank Mortgage, Scotia Bank Mortgage, Macquarie Mortgage or ING Direct mortgage?

I do all of them with one application...

I want you to own your home sooner by paying as little interest as possible over the life of your mortgage and that's why I offer great mortgage rates!

FOR EXAMPLE: with FIRSTLINE MORTGAGES, ING DIRECT, MACQUARIE FINANCIAL, LAURENTIAN BANK, TD CANADA TRUST and SCOTIABANK you may get a good rate but you'll need me to get their best mortgage rate... (Insider Secret #1)

You are literally 30 minutes away from making YOUR life easier

Because inside this website you will learn:

How you could quickly lower your monthly payments by 50% or more!
Which financing options are proven to work and which are not!
What exactly you need to do to get the best interest rate!
How to improve your credit rating and credit score fast!
How you can get a free home appraisal everytime!
And much, much more!!

Debt consolidation strategies are for homeowners only so renters click here.

I’ve already helped THOUSANDS of homeowners and now could be your turn!!

I am talking about people like Cheryl and Robert... they are saving over $1,100 every month with my help!

“Hi Joe, Thank you very much for all of your help. We really appreciate your promptness and your great knowledge. You have made this process a great ease and pleasure. Thank you! Cheryl and Robert McLachlan, Oshawa, Ontario”

Cheryl and Robert were spending $1,797.00 each month on 2 mortgages and 4 credit cards and I reduced their monthly payments to less than $800.00 dollars.

My FREE information could help you to:

Save time!
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Avoid disastrous situations!

As I already explained above... I've already helped thousands of homebuyers and homeowners.

This work earned me “TOP VOLUME MORTGAGE BROKER AWARD” from many mortgage lenders including XCEED Mortgage in 2004, Maple Trust in 2005 and Macquarie Financial in 2007... just to name a few.

Here is the complete list of 70 Canadian mortgage lenders I am electronically connected to today.

Can you imagine how long it would take you to go to each of their offices to see about their mortgage rates and submit your application to them for approval?

It would take you months to go through them all BUT the good news is that you can use my services where you complete this form which can then be submitted to all of these potential lenders using my proven system in order to deliver your approval at the best mortgage rates and the most suitable terms!

AGF TRUST
ABODE MORTGAGE CORPORATION
ALTERNA SAVINGS
B2B TRUST
BAYVIEW CREDIT UNION
BRIDGEWATER BANK
CITIZENS BANK
COAST CAPITAL SAVINGS C.U.
COMMUNITY TRUST
CONCENTRA FINANCIAL
DESJARDINS CREDIT UNION
DOMINION LENDING CENTRES
EDUCATORS FINANCIAL GROUP
ENVISION FINANCIAL
EQUITABLE TRUST
EQUITY PLUS FINANCIAL
FIRST NATIONAL
FIRST LINE MORTGAGES
G & F FINANCIAL GROUP
HSBC BANK CANADA
HOME TRUST
ING DIRECT
INDUSTRIAL ALLIANCE
INTERIOR SAVINGS
ITALIAN CANADIAN SAVINGS C.U.
LAURENTIAN BANK
LENDWISE CAPITAL
MCAP
MACQUARIE FINANCIAL
MAGENTA MORTGAGE INVEST CORP.
MERIX FINANCIAL
MOTOR CITY CREDIT UNION
MYNEXT MORTGAGE COMPANY
NATIONAL BANK

NORTH SHORE CREDIT UNION
CDN WESTERN PEOPLE TRUST
PROSPERA CREDIT UNION
RESMOR TRUST
SAVE CAPITAL FIN CORP.
SCOTIA BANK
SERVUS CREDIT UNION LTD.
SPECTRUM CAPITAL CANADA CORP.
STREET CAPITAL FINANCIAL
TD CANADA TRUST
THE MORTGAGE GROUP
VALLEY FIRST CREDIT UNION
VANCITY BROKER SERVICES
WEST MINISTER CREDIT UNION
XCEED MORTGAGE CORPORATION
ALTA WEST MORTGAGE
ANTRIM INVESTMENT LTD.
BAYFIELD MTG PROFESSIONAL LTD.
CAPITAL DIRECT LENDING CORP.
COVE MORTGAGE
EQUIMOR MIC
FIRST SWISS MORTGAGE CORP.
KING CAPITAL INC.
MCC-PCF
METRO-WEST MORTGAGE INC.
NEW HAVEN MORTGAGE CORP.
NEW HORIZON MIC
PILLAR FINANCIAL
PIONEER WEST ACCEPTANCE CORP.
RELIANT CAPITAL LIMITED
SECUR FINANCE
SECURE CAPITAL MORTGAGE INC.
SINCLAIR-COCKBURN MIC
TRINITY DRIVERS N.AMERICA LTD.

Most of these mortgage lenders are what we call “A” lenders offering mortgage products at discounted mortgage rates.

Some are “B” & “C” lenders who specialize in alternative lending solutions for people with less than perfect credit… or unique situation like mortgages for self-employed individuals who simply can’t prove income.

In addition to these A, B & C lenders you may also benefit from my private lender products for extremely difficult situations including foreclosure help!

Whatever your situation… I am confident that you can find my services helpful.

I know the kind of problems you are facing today because I’ve already helped thousands of people just like you!

Many of them learned the HARD WAY that asking their bank for help was a BIG waste of time and going from a bank to bank or from a broker to broker actually hurt credit score...

... You need to know that MULTIPLE loan requests DECREASE your chances of approval at discounted rates because each inquiry to your credit file IS affecting your credit score.

Plus... you may look like unwanted credit seeker which is the LAST thing you may need right now!

There are many things you could do BEFORE you apply for your mortgage.

I strongly recommend you obtain your own credit report with a credit score.

A credit score is a statistical formula that translates personal information from your credit report and other sources into a three-digit score from 300 to 850.

Your credit score is an important indicator of your creditworthiness.

In general, the higher your score, the lower the probability that you will become delinquent on credit extended to you.

Lenders use your credit score to determine if you are a good candidate for credit and likely to pay your bills.

Because your credit report is updated every day, your score is recalculated continuously and therefore your credit score from a month ago is probably NOT the same score today.

What is used to calculate your score?

Payment history - Indicates whether you have made your credit card payments, loan payments and other payments on time.
Amounts owed - Compares how much you owe to your credit limits with various lenders.
Length of time in file - Indicates how long you have had credit accounts.
New credit - Shows how often you are looking for new credit and how you handle accounts you have recently opened.
Type of credits - Considers the type of loans you have - car loans, lines of credit, credit card balances.

Top 10 Ways to Improve Your Score

10. Learn what your current FICO® Credit Score is and what appears on your credit report. Score Power® gives you immediate access to your credit report and includes your current FICO score.

9. Don't open new credit cards that you don't need just to increase your available credit. This approach could backfire and actually lower your score.

8. Try to keep your total account balances as low as possible. High outstanding debt may negatively affect your score, as you have a greater chance of missing payments.

7. Correct any incorrect information that might appear on your credit report. Visit Fixing Errors on Your Report for more information.

6. If your credit is severely damaged, or you have a very short credit history, there are still ways to improve your credit over time. Consider opening new accounts responsibly and paying them off on time.

5. If you fall behind on paying a bill because of illness, unemployment, or family issues, write a short explanation to the credit reporting agencies. They will add it to your credit report. Also, call your creditor to explain the circumstances and, if possible, work out a payment schedule you can meet.

4. If you need help building your credit from scratch or re-establishing credit after bankruptcy or consumer proposal consider taking advantage of a secured credit card.

3. To minimize the number of inquiries on your credit report, don't apply for multiple credit cards over a short period of time, or for a card you're not likely to get. Apply for new credit accounts only as needed.

2. Make all of your payments on time. If forced to miss a payment, be sure to pay the following month. Accounts more than 60 days past due will be indicated on your credit report.

And the number one way....?

1. Continue to check your credit report regularly, correcting errors and inaccuracies that can damage your credit score.

Click Here To Check YOUR Equifax Credit Report

When you obtain your credit before applying for a loan or mortgage, you will have the opportunity to correct the wrong information, increase your credit score which in turn could result in lower interest rate on your next mortgage.

You can obtain your credit report online from Equifax Canada, but please MAKE SURE that you get the one with the FICO score.

To do that simply click here to open a new window with Equifax site (my site will stay open) > Click on Score Power "order now" button > register new account > and you will be able to view your credit instantly.

The cost is only $23.95 but if you are married then you can double that because you'll need to get one for your spouse as well.

Now that you know your credit score, I can give you a better idea which of the mortgage and debt consolidation options you could apply for.

If you would like to eliminate your debt from your life you will need to:

1) Find a mortgage professional who will look after your best interest for the rest of your life. Be upfront with your specific needs, don’t be hiding stuff and you’ll benefit greatly!

2) Stop running from a bank to bank or from a broker to broker. Your own mortgage agent can do all that running around for you. This way you’ll get the best deal and protect your credit score.

3) Cut up all credit cards except one or two which you’ll use for emergency purposes only. You don’t need 10 different credit cards and credit lines. They make your bank richer and you poorer. If you cut them up and close the accounts then you will not rack them up again.

Here is what Terry said about my services…

“Hi Joe, I would like to express my sincere gratitude for your assistance in getting our refinancing in a difficult situation and at a very good rate too! We closed yesterday and I really don't think we could have done this without your knowledge and expertise. THANK YOU! Terry Wastesicoot, Ajax, Ontario”

	Does it make you mad that you are deeper in debt today than you were last year?
	Are you waking up at night worrying about creditor calls?
	Are you scared or unsure how to solve this specific problem?

...or perhaps you are just worried you should do something about your situation BEFORE IT'S TOO LATE.

I don't just provide a quick fix solution to your problems I give you a long term solution that puts you back in control of your financial future…

Here Are Some of The Financial Disaster Warning Signals

Please ask yourself these 3 questions:

1) Are you starting to fall a little behind on your bills or are you already on your way to bankruptcy?

2) How can you keep bankruptcy from happening when your credit card bills just won’t stop coming?

3) How do you climb out of the debt hole without causing damage to your credit report - not to mention your quality of life?

Here are some of the common warning signals which IF corrected in time, can help you to steer clear of financial disaster...

Spending increasing amounts of your income to pay your bills
Putting off paying your bills for few days because you don't have enough money to cover them
Being near, at or over the limit on your credit cards
Making only minimum payments on your bills
Juggling credit card bills
Paying only minimum monthly payments on credit cards
Using credit card for monthly expenses because you don't have cash to pay for them
Paying bills with money which was supposed to go for something else like kids tuition or your retirement
Have no savings
Having your credit cards cancelled by the issuer because you have been consistently over your limit
Had your auto or life insurance cancelled because you missed payments
Putting off medical visits because you can't pay for them
Working overtime or two jobs
Received utilities shut-off notices in past
Being overdrawn on your bank accounts
Worrying about your money
Argue with your spouse about money problems
Being afraid that someone can find out how far in debt you are
Drinking more alcohol

If you answered yes to one or more of the questions, you may or may not have cause for alarm, depending on the context of your answers.

However, if you are drawing down your savings to make minimum monthly payments on your credit card bills then the alarm bells should be ringing LOUD and CLEAR.

If you answered yes to many or most of the warning signals, you definitely have a problem and you should seriously consider taking advantage of my services before it's too late!

My clients come to me from all walks of life…

They are factory workers, construction workers, self-employed individuals, realtors, government employees, police officers, firefighters, nurses, doctors, dentists and yes, also bank employees and yes... EVEN bank managers!!

	Improve your credit rating so you can always get the lowest rates.
	Consolidate your bills so you can enjoy one monthly payment.
	Slash your budget so you can finally start saving.

You can be up and running within as little as 20 minutes from now…

...and since I work fast, it’s possible you’ll see your first savings by the end of the next month!

Here Is How My System Works

IT ALL STARTS with filling out an online form – this part takes about 10 to 15 minutes (and this is also where you tell me about your problems, goals and objectives!)

YOU’LL receive quick response from me – this is where I will go over all of your financing options!

YOU’LL decide which financing option best suites your current needs – Don’t worry I’ll make it really simple for you!

YOU’LL select your financing option - I’ll match you with a lender who offers the best rate for that product (This is where you’ll protect your credit rating!)

LENDER issues approval in as little as 1 hour -- and you'll receive it the same day or overnight!

YOU’LL review the offer in the comfort of your home, call or email me with any questions. Then simply deliver your signed approval back to me and...

I’LL deliver it back to the lender who will take up to 48 hours to review and provide us with outstanding conditions list (if any).

YOU’LL satisfy outstanding conditions (income, lawyer info, etc.) and your new mortgage loan is ready for funding!

YOUR LAWYER receives closing instructions - and pays off your debt in full, and...

YOU ARE BACK ON THE RIGHT TRACK!

I arrange everything and you just meet with your own lawyer to close the deal.

Here is what others said about my services...

Joe Malek was amazing and went way beyond our expectations. They were great from start to finish and really helped us out. Thank you! Dennis Family, Courtice, Ontario

"Thank you so much. I really appreciate the speedy service you and your staff have provided for me this time and in the past. It is great to deal with people who know what they are doing!" Diane Blake, Stoney Creek, Ontario

Diane Blake

Thanks for the great advice... Myself and Tom were very pleased with all your help. I would recommend your office and you to anyone. Thank you very much... The Dykstra's, Ilderton, Ontario

Would You Like To Slash Your Payments by 50% or More Starting Next Month?

I may have up to 5 financing options for you to choose from. Some will require mortgage refinancing and other will involve second mortgage or home equity line of credit.

I will present you with all of your financing options and recommend the one that makes the most sense to me but it will be you who decides which one fits your current needs.

EXAMPLE: If your home value is $300,000 and your current mortgage balance is $185,000 then your home equity is $115,000.

You could tap into your home equity and pay off some or all of your credit cards and loans to make your life easier.

Now, let’s say you also owe $10,000 on line of credit... $25,000 on a bank loan and... $50,000 on 7 credit cards.

In total you are spending $3,488.99 while you could be paying only $1,681.02 and reduce your monthly obligations by 51.82%.

Before

After

Creditor	Balance	Payment	Creditor	Balance	Payment
Mortgage	$185,000	$1,183.64	Mortgage	$275,400	$1,681.02
Credit Line	$10,000	$300.00	Credit Line	0	0
Bank Loan	$25,000	$505.35	Bank Loan	0	0
Credit Cards	$50,000	$1,500.00	Credit Cards	0	0
Total Owing	$270,000	$3,488.99	Total Owing	$275,000	$1,681.02
			Your Savings		$1,807.97

This example is for illustration purposes only and it was based on the following assumptions: Before mortgage rate of 6% calculated semi-annually based on 25 year amortization; Bank loan 8% rate and payments spread over 5 year term; Line of credit and credit card payments equal to 3% of outstanding balances. After mortgage rate of 5.5% calculated semi-annually amortized over 25 years, insured at 2% with one time insurance premium. Annual Percentage Rate (APR) is 5.576%

Debt Consolidation Strategy # 1

Second Mortgage Up To 90% of Your Home Value!

One way to consolidate credit card bills into one payment involves 2nd mortgage financing.

2ND MORTGAGE EXAMPLE:

Say your home value is $200,000 and you owe $120,000 to XYZ Mortgage Company who has first mortgage registered on the title of your home. Your remaining home equity would be $80,000. Now let’s say you need $50,000 loan to consolidate your credit card bills.

You could tap into your available home equity and apply for $50,000 second mortgage which will be registered in a 2nd position on the title of your home right behind XYZ Mortgage Company.

Second mortgage loans are riskier loans for lenders and that’s the main reason why second mortgages have higher interest rates than first mortgages.

To provide you with good second mortgage interest rate your loan must be CMHC insured where mortgage default insurance premium is added on top of your basic loan amount.

CMHC currently charges 4.25% insurance premium for 90% LTV. In this example $2,125.00 dollars would be added to basic loan amount of $50,000 making total loan $52,125.00.

CMHC insures second mortgages to 90% of your home value.

In addition to CMHC insurance fees, second mortgages closing costs may include PST calculated on CMHC insurance premium, lender fees, brokerage fees, legal fees plus disbursements & GST… and appraisal cost (if any).

All closing costs are disclosed to you before you are asked to sign the mortgage commitment.

Would you like to save money on your second mortgage?

I’ve been arranging second mortgages for my clients for more than dozen years, saving them as much as 10% on their interest rates!

I found that the biggest problem when searching for 2nd mortgage information online is the lack of information…

If you do a Google search for “second mortgage” you’ll get over $4 million results but if you actually browse through those websites… you’ll only get a very brief information about second mortgages.

PLUS, most of their second mortgage information is out dated!

Here is what I found out there:

Second Mortgages to 125% of Appraised Home Value!
Second Mortgages to 100% of Appraised Home Value!
4.25% ‘Just For You” Second Mortgage Rate!
2nd Mortgage ‘Specialist’ sites without any info… just application form!
Sites with ‘What is a Second Mortgage’ definition and that’s it!
Sites which do not clearly display their license number!

I even went to one of my lender websites and all I found was this…

“We do second mortgages for home purchase and refinance. Property must be owner occupied… contact us!”

That’s it?... Unbelievable!!

4 million + websites out there and only a very small percentage of them provide you with specific and current dated second mortgage information like I have put together for you below…

The information at this website is current… NOT some old stuff! Here is what you need to know about second mortgages today…

A second mortgage typically refers to a secured loan (or mortgage) that is subordinate to another loan against the same property.

In real estate, a property can have multiple loans or liens against it. The loan which is registered with county or city registry first is called the first mortgage or first position trust deed.

The lien registered second is called the second mortgage. A property can have a third or even fourth mortgage, but those are rarer.

Second mortgages are called subordinate because, if the loan goes into default, the first mortgage gets paid off first before the second mortgage.

Thus, second mortgages are riskier for lenders and generally come with a higher interest rate than first mortgages.

In most cases, a second mortgage takes the form of a home equity loan and the two are synonymous, from a financial standpoint.

The difference in terminology is that a mortgage traditionally refers to the legal lien instrument, rather than the debt itself.

The term length of a second mortgage varies. Terms can last up to 25 years on second mortgages; however repayment may be required in as little as one year depending on the loan structure.

That’s what you’ll find at Wikipedia about second mortgages and hopefully it helps you to answer your question “What is a second mortgage?”

Now let me go over what this definition didn’t cover…

1) It doesn’t explain what you must HAVE to obtain a second mortgage.

2) It doesn’t explain what you must DO to obtain a second mortgage

Home equity is the difference between your home appraised value and your existing mortgage balance.

If you don’t have available home equity then you cannot obtain a second mortgage.

That’s why all those 125% ads on the internet are misleading.

How can you finance your home to 125% of appraised home value when it’s the home equity you need to secure a 2nd mortgage… and when the home equity is the difference between your appraised value and first mortgage balance?

It is NOT the difference between your home value (100%) and their proposed loan amount (125%) and therefore applying at their websites will be a huge waste of time.

You also need to know that as of November 6, 2008 (thanks to credit crunch) you can NO LONGER get a second mortgage up to 100% of home value!

Also, it is important to note that MOST mortgage lenders DO NOT provide second mortgage loans.

Some banks offer home equity loans to 80% of appraised home value on great credit but if you require more than 80%LTV or you don’t qualify because of your income or credit then applying at your bank will be a big waste of time!

I only recommend a second mortgage if you cannot refinance your current 1st mortgage because the penalty to break your 1st mortgage is much higher than 2nd mortgage closing costs.

In both instances (high ratio 1st and 2nd mortgages) you’ll have legal costs and CMHC fees... but with second mortgages you'll also have brokerage and lender fees.

I will disclose all costs to you well before you are asked to sign any mortgage commitment therefore click here to apply online for your lowest interest rate & low cost second mortgage IN CONFIDENCE!

More About CMHC Insured Second Mortgage To 90% of Your Home Value

CMHC insured 2nd mortgage has the lowest interest rate currently starting at bank posted rates + 1%.

Minimum loan amount is usually $40,000 and maximum loan amount is $150,000.

You can use the funds for almost any reason you can think of…

Debt consolidation
Home improvements
School Tuition
Investments
Vacation

BUT, you cannot use the funds to pay off tax arrears, judgments, collections, late credit card and loan payments or missed 1st mortgage payments.

To qualify for this low interest 2nd mortgage you’ll need to have good payment history in the past 24 months and your credit score has to be 700 or higher.

Past bankruptcy or consumer proposal are OK providing you received your discharge at least 2 years ago and have re-establish your credit for a minimum of 1 year.

You also need to demonstrate a stable employment which means you must be with the same employer for a minimum of 1 year. If you switched employers then you must be past your probationary period and in the same industry for at least 2 years.

You’ll need an employment letter on a company letterhead confirming your length of employment, position and your annual salary.

You’ll also require the most recent pay stub and if you receive overtime or bonus income then you’ll also need 2 years CRA Notices of Assessment.

If you are self-employed or have commission income then to qualify for CMHC insured second mortgage you must be self-employed or earning commission for at least 2 years and you’ll need 2 years CRA Notices of Assessment to confirm your average income from line 150, and that you do not owe taxes.

If your income is low then I would recommend refinancing your current mortgage under ALT-A Business-for-self product (mortgage for self-employed) where we don’t have to use line 150 taxable income for qualification.

If you owe back taxes then CMHC will not approve you and therefore you are limited to some of the other options listed below.

Also, please keep in mind that you must be in your home for at least one year or your first mortgage must be insured and registered for a minimum of one year before you can apply for CMHC insured second mortgage.

Non-CMHC Home Equity Line 2nd Mortgage to 85% of Home Value

This product is great for self-employed or commissioned people who don’t report all income.

If you are self-employed then this could be the perfect product for you because…

	It is a fully open revolving line of credit which means you can pay it off completely at anytime without a penalty.
	Interest rates are well below other credit card rates starting from 8.99%.
	Minimum monthly payments start from 1% of outstanding balance or $10.00 or whichever is greater.
	You’ll have a cheque book for your quick access to your unused credit limit.
	You’ll have nice looking Gold VISA credit card in your wallet with no annual fee which you can use as any other credit card for your convenience.

Minimum credit limit is $10,000 and maximum credit limit is $250,000 but of course to get $250,000 credit limit you’ll need to have sufficient home equity.

Currently your credit score needs to be at 640+ to qualify for 85% LTV or 600+ for 80% LTV or slightly below 600 to qualify for 75% LTV.

If you are self-employed and can’t provide CRA Notice of Assessment or you owe taxes then you will be limited to 80% LTV.

For over 80% LTV… a CRA Notice of Assessment confirming you do not owe taxes will be required.

If you are salaried employee requiring over 80% LTV you must provide pay-stub and job letter.

Here are some of the other requirements:

1st mortgage must be institutional and up to date
Self-employed businesses must be registered and active for a minimum of 2 years.
Minimum 3 years clean active trade lines on credit report
Properties over $600,000 will be considered on a case-by-case basis
Closing fees except appraisal fee can be charged to the card

Another great thing about this Home Equity Line VISA Second Mortgage is that unlike other mortgages, the activity on this loan will be reported to all credit bureaus monthly which helps you to re-establish your credit.

Private Lender Second Mortgages Up To 85% of Appraised Home Value

This is your last resort second mortgage option and it should only be used when you cannot qualify for the other two second mortgage options above.

There is nothing wrong with private lender mortgages.

I have many private lenders ranging from individuals to large private mortgage investment corporations who already helped thousands of other homeowners to get back on the right track.

Their second mortgage rates are higher but their qualification guidelines can be quite simple.

My private lenders have millions to lend on even the most difficult situations including... stop foreclosure, notice of sale, a power of sale or eviction...pay off back taxes, late payments, collections, judgments or consumer proposals.

There could be many other reasons why you may need a private lender mortgage money...

Private lenders are standing by to help you!

In general, they will lend up to 85% of your appraised home value in major cities but they may cut back if your home is not on municipal services or if it’s too far out of a major city.

Private second mortgage minimum loan amount usually represents at least 15% of your first mortgage balance and maximum loan amount is usually $75,000.

Majority of private mortgage lenders require supportind documents along with your mortgage application and property appraisal which MUST be ordered by mortgage broker directly.

In most instances you will receive a letter of intent which will be open for your acceptance for 48 to 72 hrs and you’ll need to respond within this time to avoid automatic cancellation of your file.

This letter of intent will spell out the interest rate, term, amortization, fees and other conditions you’ll need to satisfy before receiving mortgage commitment.

If you don’t agree with their terms then you are NOT obligated to pay any fees and the letter of intent is cancelled.

Some hard money lenders will request upfront deposit and I strongly recommend you avoid them because there is no guarantee they will lend you their money.

Private mortgage lenders will have their own lawyer to do majority of their legal work and therefore they may ask for a retainer.

This could be $250.00 in addition to the appraisal cost which is usually $250.00 to $350.00… so please make sure you have enough cash ready for these costs.

I know that if you are tight for money right now then this may be a huge task for you but unfortunately there is no other way.

Most mortgages will take about 15 working days to fund but private mortgages can take a bit longer.

If your situation is urgent then I will do my best to get it done for you quickly but please understand that I have no control over how fast the appraiser, lender or lawyer works.

I would also add here that I recommend 1 year terms only on second mortgages so we can combine it with your first mortgage on maturity to provide you with one mortgage and one payment at much favorable terms.

Hopefully, if you follow my credit repair tips from my credit guide (which you'll receive after you apply on my secure server)...

....I’ll be able to get you into “preferred rates” on renewal of your second mortgage by combining it with your existing 1st mortgage.

Finally, I would like to point out that if you request a private lender mortgage, you may also need your own lawyer to provide you with an independent legal advice to comply with regulators.

The next thing on your to do list is obtaining current dated mortgage statement which will confirm your existing mortgage balance and payment.

Please contact your first mortgage lender and request your mortgage statement today to avoid delays.

There are other documents you will need and here is a short list of them for your reference.

Transfer/Deed Document
Copy of “Registered” Mortgage/Charge of Land
Home Insurance Binder
Property Tax Statement

Debt Consolidation Strategy # 2

You Could Request Cash-Out Mortgage Refinancing To 95% of Home Value

Cash-Out Mortgage Refinancing provides you with the lowest interest rate on the market.

Previously, CMHC (Canada Mortgage Housing Corporation) would not insure the lenders mortgage if "the new money" was used for debt consolidation but in the spring of 2001 they finally made changes to this guideline and introduced CMHC Refinance Program.

Today, it is possible to refinance mortgage up to 95% home value (thanks to new programs) and use the new funds to pay off credit card balances, loans and existing mortgages.

This is good news for many homeowners, but unfortunately not all will qualify due to credit or debt service ratio restrictions.

Recently there were more enhancements and changes to refinance programs...

One of such improvements was the addition of mortgages for self-employed people without income verification.

Self-employed borrowers and commissioned sales people that cannot provide traditional income verification may now qualify for a high ratio mortgage to 90% of home value and enjoy discounted mortgage rates through selected lenders.

Insurers will usually determine your property value by comparing your home to their database of the most recent comparable sales in your area but sometimes home appraisal is required.

Mortgage default insurance premium is calculated on actual LTV % and your amortization length (LTV = Loan-to-Value).

If you keep your amortization unchanged then the insurer will charge insurance premium only on "the new money".

This is called a “top-up” premium.

If you change your amortization then mortgage insurance premium will be calculated on the total loan amount.

Longer amortization periods will provide you with lower monthly payments but extending your amortization beyond the traditional 25 years will result in 0.20% insurance premium surcharge for every 5 years.

Maximum amortization for insured high ratio mortgages is 35 years to 95% LTV and 40 years for uninsured alternative lender mortgages to 100% LTV.

Mortgages for self-employed or commissioned people will have slightly higher insurance premium then mortgages with confirmed or proven income.

You will also have a penalty to break your current mortgage which is usually 3 months interest or interest differential penalty.

This penalty is paid from the new mortgage proceeds so normally you don’t need to come up with that cash up front.

CMHC mortgage default insurance is added on top of the basic loan and so your only other cost is legal fee which is deducted from loan proceeds.

Mortgage rates are at historic lows and if you have two mortgages and other credit card debt then this may be the perfect time for you to combine them into one payment.

You maybe able to refinance your mortgage to lower your interest rate, monthly payments or get cash out for debt consolidation, renovations or investments plus pay off your mortgage faster.

With lower mortgage rates, you could be saving thousands and possibly gain cash in hand by refinancing your existing mortgage right now!

What is mortgage refinancing?

Mortgage refinancing replaces your existing mortgage loan with a new mortgage at lower interest rate.

Refinancing can save you lots of money when market interest rates drop one or more percentage points below your present rate.

Mortgage refinancing can be used to reduce your interest rate, change the term and amortization of your loan or consolidate your other debt in order to improve your monthly cash flow.

Maybe you have been dreaming about a new pool or a hot tub, finished basement or purchasing another property.

Whatever your needs... tapping into your available home equity may be the best way to achieve your goals faster.

Interest rates are very low so don't hesitate to take advantage of my services to refinance your mortgage today!

Fixed Rates VS Variable Rates

In a FIXED RATE MORTGAGE the interest rate is determined and stays the same for the term of the mortgage. The fixed rate mortgage was once the standard type of mortgage product that was available in Canada.

Typically, fixed rate mortgages for longer terms are popular when interest rates are low, but are expected to rise in the future. In this way you can “lock-in” your mortgage at existing, presumably lower than future, interest rates.

In a VARIABLE RATE MORTGAGE (VRM) the interest rate charged on the mortgage loan will fluctuate as market interest rates move.

This type of loan differs from a fixed rate mortgage in that the interest rate charged on the loan may be changed during the term of the mortgage.

Generally, these loans are initially set up like a standard loan, based on the current interest rate.

The loan is reviewed at specified intervals over the term of the mortgage loan (usually monthly). If the market interest rate has changed, so will the interest charged on the mortgage.

Changing either the size of the payments or the length of the amortization period (or a combination of both) at this time will alter the mortgage repayment plan.

CAPPED RATE VARIABLE MORTGAGES are variable rate mortgages on which the lending institution has set a limit to interest rate increases or decreases.

This means that the interest rate of the mortgage will fluctuate but the lender has set a rate and guarantees that you will not have to pay interest rate at higher than that limit.

Variable rate mortgages may offer a CONVERTIBLE RATE feature, allowing you to lock in to a longer term (not less than 3 years) fixed rate mortgage at any time without penalty.

Mortgage lenders are continuously creating new features to differentiate their mortgage products to attract your business.

Mortgages For Self-Employed Without Income Verification

There are many benefits to being self-employed and one of them is writing off as many expenses as possible to reduce your taxes.

This is a great tax reduction strategy but as you know this also makes it more difficult for you to qualify for a traditional mortgage.

If you are self-employed and are looking to refinance your mortgage then most lenders will ask you to provide the last 2 years Revenue Canada Notices of Assessment (NOA’s) to average your income from line 150.

This is fine when you don’t have many write offs but it will work against you if your net taxable income is too low and it may result in automatic decline of your application.

NOT HERE…

Did you know that my lenders offers up to 95% financing for self-employed clients who have difficulty providing third party verification of their income?

95% purchase
90% refinance
1- 2 units
Owner-occupied properties
CRA NOA IS NOT REQUIRED!!

They will consider less than 2 years business-for-self if you have been working for an extended period of time in the same field, performing essentially the same function with the same skill requirements.

All you need to do is sign statutory declaration at the solicitor’s office confirming the following:
Your income is declared as on application
You’ve been self employed for a minimum of two years or in the same line of work for a minimum of two years
You do not have Federal or Provincial income tax owing

Why Use Mortgage Brokers?

There are many benefits of applying for your mortgage with me…

The first one which comes to my mind is your instant access to virtually all mortgage lenders, their products and rates with one single application form.

You see when you apply for your mortgage at your own bank or any bank for that matter you are applying for their products only.

If your application is declined you probably try another lender BUT how do you know they’ll accept you?

What if you get denied again? Are you going to keep trying until you destroy your credit rating or are you going to finally try me?

There is nothing wrong with shopping around for your mortgage BUT doing this on your own could seriously damage your credit score!

With every application comes a hard hit to your credit file resulting in lower credit score and lower credit score could make it much harder for you to obtain your approval at the best rates.

In fact, your lower credit score may prevent you from obtaining a new mortgage altogether!

When you apply for your mortgage here, I will perform only one inquiry to your credit file and attach your credit report to your mortgage application.

I then submit your application to one lender at a time, starting with the one who has the highest probability of accepting your application quickly, at the best rates and terms for your situation.

This way, you’ll know that your application could be approved quickly and at the lowest rates possible.

There is NO need for office visits, simply apply online on my secure server and I’ll get started on it right away.

Many people make the mistake refinancing their mortgage with their own bank and end up paying more interest!

Banks charge their customers what’s called “bank posted rates” that can be as much as 1.5% higher than discounted rates offered by some of my other lenders.

I have what’s called a “Preferred Broker Status” with the most important lenders in Canada and therefore I get “Preferred Rates” for my clients.

These preferred rates are only accessible through selected "Preferred Brokers" who deliver huge volumes.

I know that if you want to get a preferred rate mortgage then you’ll need to deal with someone like me who has the preferred broker status.

To get the absolute lowest rate on the market you’ll need to have perfect credit with excellent credit score.

If your credit is damaged then I will take time to explain what you need to do to improve it so you too can qualify for a preferred rate mortgage.

My goal is to provide you with the best mortgage for your current situation.

This kind of mortgage should have:

	Preferred rate so you pay the least amount of interest!
	Accelerated payment options so you can reduce your amortization!
	Flexible pre-payment options so you can be mortgage free faster!

Take a moment to review your monthly budget to discover how much you are really spending each month on all your living expenses and then compare them to your take home pay.

Do you allocate 20% of you budget to your savings account? If you are not saving 10 or 20% of your take home pay then consider these solutions…

Sell your home to downsize – cost too much in real estate commissions and moving costs!
Get a higher paying job or second job – not easy to do in slow economy!
Tripple your credit card payments - not easy if you are already struggling to make ends meet!
OR... LET ME HELP!!

And let’s not forget that when you take advantage of my professional service, there are…

NO application fees!
NO initial credit checks!
NO multiple credit inquiries!
NO office visits!
NO time consuming appointments!
NO surprises!

APPLY NOW FOR THE SAME DAY SERVICE

If you answered "YES" and you want to take advantage of my proven mortgage services -- HERE ARE THREE EASY WAYS FOR YOU TO GET STARTED:

CLICK HERE TO APPLY ONLINE ON MY SECURE SERVER
Use the online secure server mortgage application form for faster service. I will receive it instantly and you could get your approval in less than a day.
CLICK HERE TO USE MY .PDF FORM
The online application is on a securer server but if you are concerned about giving your information over the internet then you can use my multi-purpose .PDF form. Save it to your computer so you can complete it when you have more time and then simply fax it to my toll free fax number or scan & email it to me.
SEND ME YOUR COMPLETED .PDF APPLICATION BY SNAIL MAIL
If you prefer using "SNAIL MAIL" then mail the .PDF form to my office address: VERICO Mortgage Network London Inc. Attn: Joe Malek, 321 Springbank Drive, London, Ontario, N6J 1G6

REMEMBER: It costs you NOTHING to get started and most of all there are NO obligations. If you are not satisfied with my offer then you can cancel at anytime and you'll still get to keep my credit guide -- no matter what you decide!

Sincerely,

Joe Malek, Mortgage Agent Lic. #M08004649

P.S. That's all it's to it... no running around... no time consuming appointments... no office visits... and the lowest rates around GUARANTEED! I know you have many questions for me and I will take time to answer all of them. Just complete the online form and you'll get fast answers including my answers to frequently asked questions in less than 1 hour!

P.P.S. I work for you and not the lender. My goal is to arrange the most suitable mortgage financing for your situation and of course at the best rates on the market so you have nothing to lose and much to gain by applying online for your mortgage at this website. If your credit is bruised then I'll even give you a FREE copy of my "How To Re-Establish Your Credit" E-Book!

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Learn How To Refinance Your Mortgage, Consolidate Credit Card Debt and Enjoy One Payment @ Low 2.15% Interest Rate!