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ATTENTION HOME OWNERS AND HOME BUYERS...
DO NOT APPLY, BORROW, OR EVEN THINK OF OBTAINING A NEW MORTGAGE LOAN UNTIL YOU READ THIS WEBSITE!
The Information At This Website Has Already Helped Thousands of Home Owners & Home Buyers And Now Could Be Your Turn To Save Thousands!!
5 Year Fixed Rates From 5.45%*** O.A.C.
>> Click Here To Apply Online <<
| LEARN HOW TO CUT YOUR MONTHLY PAYMENTS BY 50% AND REDUCE YOUR INTEREST RATES BY 17% OR MORE! |
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Welcome to my mortgage website JoeMalek.com
You are visitor #
Since 1997
Applying for a mortgage at my website is easy as 1, 2 and 3 but most importantly it is very safe because I use my own secure server to protect your personal information
- Good or Bad Credit
- Rejected by the Bank
- Stop Power of Sale / Foreclosure
- Pay off Back Taxes
- Credit Card Debt Cosolidation
- No Income Verification
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- Self Employed Programs
- Past Bankruptcy Programs
- Same Day Approvals
- 1st, 2nd & 3rd Mortgages
- No Down Payment
- Commercial Mortgages
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How would you like your mortgage?
Do you want TD Bank mortgage, Scotia Bank 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. That's why I offer the ING DIRECT unmortgage® … the mortgage for savers.
With the ING DIRECT unmortgage® you'll always get the lowest rate. No hassles, no haggling or running from branch to branch in search of a better rate. Ever!
Plus, you can unmortgage yourself sooner with the most flexible prepayment options available. For instance, every year you can make lump sum payments up to 25% of your original mortgage amount, at any time. No more waiting around for annoying mortgage anniversary dates.
Have some extra cash in your monthly budget? Consider increasing your payments. Having the unmortgage means you can also increase your regular payments up to 25% every year. Why would you want to do this? Easy – more of your money goes towards your principal. You pay less interest and save more over the life of your mortgage!
I've already helped thousands of other homeowners and home buyers to achieve their goals and now I want to help you!
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 !!
Thanks Bill & Marie Berrill, Port Hope
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My philosophy for life and business is to follow the golden rule which is treat everyone the way I ’d like them to treat me. I have many testimonials for you to browse through but first let me briefly explain how I can help you...
I can help you to:
I am connected to all lenders electronically and can provide you with your approval very fast!
My success ratio is very high with 95% of all application approved within 24 to 48 hours with the actual approval delivered to you by email box!
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.
Yours truly,
Lovene McCalla-Lewis, Oshawa (a.k.a. "Happy Customer")
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My clients come to me from all walks of life... they are factory workers, construction workers, labourers, self-employed individuals, realtors, government employees, police officers, firefiters, nurses, doctors, dentists and also bank managers!!
They are:
1) People with perfect credit and a stable employment who qualify for the lowest discounted interest rates and the best mortgage products up to 100% of home value.
2) People who were already declined by banks, mortgage lenders or mortgage brokers. Their credit is not perfect or they could be self-employed.
3) People looking for a private lender. They simply can’t get approved for an institutional mortgage and they need a private mortgage or hard money lender fast. I have many private mortgage lenders waiting to help you with your most difficult situation up to 75% to 85% of appraised home value.
I understand your story could be unique and I can give you the flexibility you need!
Whatever your objectives... I work for you to provide you with the most suitable financing to match your needs.
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 S. Lyndhurst, Ontario
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First, I recommend that you obtain your own credit report with your credit score (aka FICO score, beacon score) before you apply for your mortgage!!
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 bureau 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 credit - 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. Get a Secured Credit Card if you need help building your credit from scratch or re-establishing credit after bankruptcy or consumer proposal
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.
Check your Equifax Credit Report now!
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It is your responsibility to check your credit at least once a year.
You can obtain your credit report online from Equifax Canada, but make sure that you get the one with FICO score. To obtain your credit report simply click this link > Click on Score Power "order now" button > register new account > and you will be able to view and start improving your credit instantly.
The cost is less than $25.00 and if you are not single then your spouse will need to get one as well.
If you have a damaged credit, bad credit or no credit then I urge you to download my credit guide...
Now let’s get back to what I can do for you...
| REFINANCE YOUR MORTGAGE TO PAY OFF YOUR BAD DEBT AND SAVE HUNDREDS OF DOLLARS EACH MONTH! |
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The example below shows you how you can take an advantage of your home equity to lower your monthly payments.
HOME VALUE - MORTGAGE BALANCE = HOME EQUITY
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| Home Value |
$250,000
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| Mortgage Balance |
$145,000
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| Interest Rate |
6.95%
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| Home Value |
$250,000
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| Mortgage Balance |
$225,000
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| Interest Rate * |
5.79%
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| Mortgage ($145,000) |
$1,012
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| Loans ($30,000) |
$850
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| Credit Cards ($40,000) |
$1,200
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| TOTAL PAYMENTS |
$3,062
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| Mortgage ($225,000) |
$1,225.62
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| Loans (nil) |
$0
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| Credit Cards (nil) |
$0
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| TOTAL PAYMENTS |
$1,225.62
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| MONTHLY SAVINGS |
$1,836.38
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*Example is based on 5 year term with 40 year amortization
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Previously, CMHC (Canada Mortgage Housing Corporation) would not insure the lenders mortgage if the new money was used to pay off consumer debt. In the spring of 2001 they finally made changes to this guideline and introduced CMHC Refinance program.
Since then, both CMHC & GENWORTH FINANCIAL improved this product, and today, it is possible for home owners with decent credit history and stable employment to refinance existing mortgages up to 95% home value at discounted mortgage rates.
You can now also enjoy 'interest only mortgage' or extend your amortization.
40 year amortization is now available and 50 year amortization is just around the corner. Longer amortization periods combined with higher TDS ratios make it now easier for you and me to qualify you!
Maybe your credit is damaged and you don't qualify for these discounted mortgage rates but thanks to my alternative mortgage lenders you may still be able to borrow up to 100% of your home value or your purchase price (home purchase with zero down) .
Mortgage credit can be an excellent source of borrowing power. It can help you purchase a home, refinance an existing home, obtain funds for an investment or make a major purchase. But if your employment status, current financial situation or past credit history doesn't fit the criteria prescribed by most lending institutions, you may - until now - have found yourself unable to take advantage of this borrowing power.
Today, there's an answer for people whose needs cannot be met by traditional lenders. These alternative mortgage lenders break down the borrowing barriers for people who don't fit the typical mortgage mould.
If you've experienced a mortgage credit application rejection in the past... then I may just have the mortgage credit solution for you.
I listen closely to your unique borrowing needs. I also place a lot of importance on your demonstrated intention and ability to repay your mortgage credit... I don't just rely on strict financial formulas. With all crucial information in hand, I can then tailor a solution to meet your unique needs.
Why refinance your mortgage with me and not with your bank?
I have the knowledge of the various mortgage products offered by the many mortgage lending institutions, years of experience and I am not required to sell the products of any one institution.
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. THANK YOU!
Terry Wastesicoot, Ajax, Ontario
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I represent the best way for you to search the mortgage market for the best mortgage product at the lowest price to suit your needs. Generally, my fee is paid by the lending institution without cost to you.
I can provide you with the lowest mortgage rates on the market for your particular situation!
You'll get the mortgage you want... not the mortgage some lenders want to sell you!
More terms, options and products to choose from without any negotiations and hassles and you don't even have to leave your home or office.
Many our mortgages are 'assumable' and 'portable upon qualification' and offer monthly, bi-weekly or weekly accelerated payment options with 20/20 and double up pre-payment options.
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Last Update
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With lower mortgage rates, you could be saving thousands and possibly gain cash in hand by refinancing your existing mortgage. Mortgage rates are at historic lows and if you are presently having two mortgages then this may be the perfect time for you to combine the two mortgages into one low interest and one payment mortgage.
Use my 17 different Canadian mortgage calculators to calculate your savings.
Refinancing replaces your existing mortgage loan with new mortgage at lower interest rate.
Refinancing can save you lots of money when market interest rates drop 1 or more percentage points lower than your present rate. Refinancing can be used to reduce your interest rate, change the term of your loan, get cash for whatever reason.
Maybe you have been dreaming about a new pool or a hot tub, finishing basement, making home improvements or do major renovation. Whatever your reason - tapping into your home equity and cash out refinance your existing mortgage(s) is the best way to achieve your needs and dreams and I CAN HELP YOU TO ACHIEVE YOUR DREAMS!
When you negotiate your mortgage with the bank, you are one person dealing with a large institution. The mortgage loan officer or your personal banker is representing their bank and the bank's bottom line. Their job is to sell you the mortgage which brings in the largest profits.
Another problem when negotiating a mortgage with your bank is.... the banker on the other side of the table is limited to only bank's products which INCREASES your risk of being declined.
I have an access to over 50 different lending institutions. In fact, I am connected to all Canadian mortgage lenders (including your bank) electronically providing you with more products, more options and lowest rates for your particular situation, right from the convenience of your home and without making time consuming appointments.
I am on your side of the table and therefore I work on your behalf to provide you with the deal you want and not what some banker wants to sell you and most of all if your credit is reasonably good then there is no fee for my service!
Some situations are more challenging then others and some mortgages may have a broker fee deducted from mortgage proceeds on closing but that's usually a drop in the bucket compared to what you are spending right now and it will be disclosed to you well before you commit to the new mortgage.
Other closing cost may include an appraisal fee, lender fees and legal costs to discharge your existing mortgage and to register a new one on the title but I don't require appraisals on CMHC or GENWORTH insured mortgages.
Once you complete online application (takes less than 10 minutes to complete) your request will be imputed into my mortgage software for analysis and I will call you with all your financing options.
You will have the opportunity to select the mortgage option that suits your needs and your request is then submitted to a mortgage lender for approval.
The mortgage lender will sent the pre-approval back to me usually within 24 hours from the submission of your mortgage application but more challenging situations will take longer.
There is no need for you to visit our office. I can deliver all of the documents to you by email, fax or courier. The process can take 2 to 3 weeks to complete, but if you are in a big hurry... I could have your money in less than 7 days!
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SELECT A PROFESSIONAL...
Get Approved Using My Proven Services...
... in Less Than a Day!
APPLY ONLINE IN LESS THAN 10 MINUTES
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 ON-LINE ON MY SECURE SERVER
Remember... there are NO upfront costs and NO obligations. If you are not satisfied with my work then you can cancel at anytime!
- CLICK HERE TO PRINT & FAX APPLICATION
The online application is securer but if you prefer faxing it then print my 'printable' application form and fax it to me toll free to 1-888-416-4096
- MAIL YOUR APPLICATION
If you prefer using "SNAIL MAIL" then mail the 'printable' application to the following address: VERICO Mortgage Network London Inc. Attn: Joe Malek, AMP... 321 Springbank Drive, London, Ontario, N6J 1G6
For faster service please use online application. Your request will get a top priority and you could receive your approval in less than a day!
Sincerely,
Joe Malek, AMP
Your Mortgage Agent (Lic.# M08004649)
Accredited Mortgage Professional and Debt Consolidation Expert!
P.S. That's all it's to it... no running around... no time consuming appointments... no office visits... and the lowest rates around!
P.P.S. Don't forget to
, subscribe to my mortgage tips newsletter and check out my mortgage blog
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VERICO Network is the fastest growing mortgage organization in Canada. Since 2005 the network has grown to over 150 locations throughout Canada that employ over 1,000 agents who collectively originate in excess of $7 Billion in mortgage loan volume.
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