• My Mortgage Tool Box - A Pre-Qualification Starting Point

    Our app provides you with useful tools to help plan your mortgage in advance of engaging with us if you're the type that like to take a stab at it before really getting serious...then when we come. Whether it comes to determining your mortgage payments, affordability, income required to qualify or closing costs, our app has what you need, but again, it's not a professional advisor...we are!  Use it as you would any calculator...as a benchmark and then get connected with us. Start planning your mortgage by downloading it today!

How much can you afford?

    • Calculate your estimated total cost of owning a home
    • Estimate the minimum down payment you need
    • Calculate the estimated maximum loan you can borrow
    • Stress test your mortgage...meaning the app automatically applies government quidelines required to determine how much you can borrow
    • Estimate your Closing costs like legal fees land/property transfer tax and land title expenses

    Let this be a starting point, not "your final pre-qualification answer".  Why, with advice from us, you may be missing a strategy unique to your application that could increase you borrowing capacity.  For example, you may have:
    • One or more student loans that could potentially reduce your buying capacity...there can be a strategy to reduce or eliminate any impact on how much you can borrow!
    • A partial or complete gifted down payment from an immediate family member...there can be a tax strategy to consider!
    • Other debt like credit cards, a line-of credit, a car loan or lease...a global look at all your financial circumstances may map out an entirely different ownership pathway than any calculator could present to you.
    • Get pre-qualified professionally and then get pre-approved and a rate guarantee!
    • Bottom line - experience a strategy...not just a mortgage®

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