Service – Mortgage Gurus

SERVICES

Mortgage Refinancing

A mortgage refinancing can save you money or help you accomplish other financial objectives. The decision can be complex, especially as the prevailing refinancing terms are more complicated than ever, but MortgageGurus is happy to help. We can help you lower your interest rates or tap into your home’s equity to fund a property renovation or a real estate investment. Whether you’re looking to save money or consolidate credit card debt, our experts analyze your unique situation to help you get the best terms available, not to mention working with our expansive network of lenders to bring you the most competitive rates. We’ll explain every detail about refinancing and how it may affect your financial concerns, putting you in a position to make a wise decision that aligns with your long-term plan.

Home Renovation Mortgages

What if you want to invest in upgrading or extending your home? A home renovation mortgage can help you do this by giving you access to more borrowing power than a standard mortgage. By providing an affordable way to do up your home, mortgageGurus wants to help transform your house into your home, and no matter the scope of work—be it an open kitchen, a separate room, or a home overhaul—our home renovation mortgages can provide the additional borrowing required to make your investment work and make your property more livable for your growing family and evolving aspirations. When you take out a home renovation mortgage from us, we’ll help you sail through the entire process.

HELOC (Home Equity Line of Credit)

Access additional money locked in your house with the benefits and flexibility of our Home Equity Line of Credit (HELOC). This is a form of loan where the property sets your borrowing limit. For any future needs for money, you can draw up to this limit to suit your current situation without having to reapply. A HELOC is a great solution as a backup source of financing or for when you want to take care of certain things, such as home repairs, debt consolidation, or your child’s education. MortgageGurus can help you get the best HELOC rate with a repayment term that suits your financial situation.

First-Time Home Buyer's Mortgages

Purchasing a house for the very first time is a monumental event, and MortgageGurus understands that it is also an intimidating and unfamiliar process that comes with so many questions and numerous apprehensions. We continue to work with first-time homebuyers, helping them understand their mortgage options, advising them of the various programs and financial products on the lending market, and ensuring that they make the most of every incentive and rebate they may be eligible for. We’ll help you understand your current financial circumstances and guide you through how first-time buyers qualify for different incentives and rebates. Our team will collaborate closely with you to discuss your objectives and requirements, helping you decide on a loan offering that will suit your lifestyle and budget.

Credit Building and Improvement for Locals and Immigrants

MortgageGurus knows that there is no such thing as a standard financial lifestyle and that every prospective borrower is unique and may have some areas of their life they need to improve. Whether you are a new immigrant or graduated college/university with student debts or have a less-than-perfect credit history, we cannot wait to coordinate closely with you to help you have a mortgage that works for you. We pride ourselves on our unparalleled expertise in credit repair solutions and will help you devise an effective plan to rebuild your credit profile from the ground up. We’ve formed strategic alliances with mortgage lenders to cater to potential individuals who may only have non-traditional credit that needs rebuilding.

Second-Home Mortgages

Investing in a second home to spend vacation time, yield rental income, or ensure your retirement days remain as prosperous as they are now could be a financially savvy move. A second-home mortgage is often different than one taken on your primary home, and MortgageGurus can help you navigate the entire process. We boast a wealth of knowledge in loans and are highly skilled at finding you the most lucrative offers in second-home mortgages. Our seasoned mortgage brokers will review your scenario, financial and investment objectives, and discuss with you the intended application of the second property in great detail.

Private Lending

Where traditional lending is not an option or conventional lenders may be hard to find or inaccessible, MortgageGurus offers doorstep private lending solutions. Private lending can serve as a highly effective alternative for qualified borrowers who have unique income history requirements for standard mortgage approval; individuals who are self-employed or have complex or non-traditional sources of income; or those looking to leverage their mortgages to invest in properties that may not be deemed conventional. Our wide network of private lenders allows us to provide alternative financing based on your circumstances. When you sign up with us, we’ll utilize our massive network of lenders to secure the best private funding on your behalf.

DO YOU NEED ANY ADVICE?

MortgageGurus realizes that getting a mortgage is becoming increasingly difficult with each passing day. Whether you’re looking to buy your first home or a seasoned investor planning to expand your investment portfolio, we can help. Our advice is based on years of industry experience.