We believe everyone should go through these 3 steps when arranging a mortgage.STEP #1: Set Your Mortgage Goals

• Do you PLAN on paying off your mortgage early?
• Do you NEED to consolidate debt to reduce monthly payments?
• Do you NEED money for education, investments or renovations?
• Are you PLANNING A MOVE within the next 5 years?
• Are you PLANNING A CAREER MOVE within the next 5 years?
• Are you PLANNING or EXPANDING A FAMILY or business within the next 5 years?

STEP #2: Determine Your Mortgage Risks

• Interest Rate: Fixed, Adjustable, Variable or Capped Variable
• Term: Open, Closed, Convertible , Short or Long
• Down Payment: 35%, 20%, 10%, 5% or Zero down
• Mortgage Type: No Frills, Re-Advanceables, Open HELOC or Hybrid
• Insurance:Do you NEED Life, Disability or Critical Illness insurance to pay mortgage?
• How much can you really afford?

STEP #3: Select a Mortgage Lender

• List ALL the mortgage products that suit your GOALS and RISKS.
• Select the mortgage lender with the best rate.