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Residential Mortgages
Secure a residential loan that benefits you now – and for years to come. We are passionate about connecting our clients with a mortgage solution that benefits their finances today and in the future.
Commercial, Construction & Land Development Financing
Secure financing for your next commercial, construction or land development project
Finding the right mortgage for you
Home Purchase Mortgage
Now that you’ve found your new dream home, where do you start? With over 122 Canadian Mortgage Lenders and 40 Mortgage Brokerages it’s a challenge. With all of today’s conveniences, obtaining a home purchase mortgage is really pretty simple. However, shopping for the best rate can seem confusing if you’re a first time home buyer or even an experienced homeowner. The good news, through the Genesis Group's network of Mortgage lenders we can specifically design a custom mortgage loan quote to meet your special needs and goals.
What is a Mortgage Pre-Approval?
Pre-approval is a strategic step in the home buying process because:
- The interest rate is guaranteed up to 120 days, even if interest rates go up during that period, you are secured. If a better rate comes up in the meantime, you are automatically relocked into the lower rate. It’s a win-win situation.
- You are aware of the mortgage amount that you can borrow to purchase your new home so your real estate agent can show you homes that are within your price range.
- Sellers are more interested in offers from buyers who have their financing already lined up.
Mortgage Refinance in Ontario
Refinancing your mortgage can help you get a lower interest rate and a cheaper monthly payment. There are typically four life and economic events (there are more) that result in people to consider mortgage refinancing, like:
- Pay off debt via Debt Consolidation (more on that below)
- Mortgage interest rate has dropped
- Take out cash (equity) from the home
- Credit score has improved enough to be eligible for a substantially better rate
For many, paying off debt is the number one priority for achieving financial health and, hence, DEBT CONSOLIDATION REFINANCING is on the top of the list when considering mortgage refinancing. Let's go into mortgage refinance in Ontario a little deeper…