I work for you not the lender but I am paid by the lender
 
You need a Mortgage Planner as  your home and therefore your mortgage is the most signigicant decision you will  make.
 
 RATE PROTECTION? RATE GURANTEE ? PAYMENT FLEXIBILITY ? Whatever your personal home mortgage needs, Marilyn will make the difference.
 
 Why settle for more of the same? I can access numerous high quality mortgage companies ( banks included)  to compete for your business and meet your unique requirements.  (All our lenders are strictly guided and comply with the Bank Act)
 
      Interested In Purchasing a Home that needs improvement?  "Purchase Plus Improvements"  allows you to include those costs in the mortgage. Interested? Call or email me. Together we will make it happen
 

 

TESTIMONIALS

Marilyn worked very, very hard for us. I think if it wasn't for her, we wouldn't be enjoying our home today.  Morton Family  

                                                                                                                                                                                                                                                                                                                                                                               
Marilyn's hard work, dedication & professionalism sets her above the rest. Patience, persistence and an ability to explain options helped us make a good decision. She worked wonders & we appreciate it. Kathyann & John 

 I was pleasantly surprised at how seamless the process of getting my mortgage was!! Marilyn made it so simple for me as a single woman. In the end I feel like we are friends!! I feel like I can ask her anything at all, she is so approachable!! Linda F. Oshawa, ON

Marilyn was amazing!  She helped me through the fear of purchasing and ensured  I wasn't going to be "house poor".  She educated me about different types mortgages  even though I had a mortgage already. I learned a lot. . She also helped me deal with my exisitng lender which saved me $$$. What amazing service!!  C. McEwan Toronto, ON.

In two words, ABOVE and BEYOND. Marilyn is an excellent example of a mortgage specialist working for her client to obtain an excellent home mortgage at a great mortgage rate. I will not hesitate to recommend her to any of my colleagues. S. & J. Pierre, Toronto, ON

As a self employed individual and first time home buyer, my long term banker  pre-approved me but couldn't deliver. After ignoring my phone calls for almost a week, they declined me. In contrast, Marilyn was able to obtain a home mortgage on that very property in as little as one day, with an excellent lender. It cost me nothing to use an expert and I was able to get the home I wanted, thanks to Marilyn. J. Soehner, Whitby, On

ABOUT MARILYN
My "niche" is assisting clients to achieve their mortgage with the least possible delays or conditions. My role is as an educator, resource provider, adviser and facilitator. My past position as Manager Personal Banker for one of Canada's largest banks has provided the experience to assist a varied clientele. My focus and priority, at all times, is for you to maintain or enhance your current lifestyle. My advise is determined by your personal situation and personal goals. 

MORTGAGES PURPOSES?
There are many and varied reasons to obtain a mortgage: refinance a home or investment property to take advantage of lower mortage interest rates, to include existing debts (loans, charge cards, second mortgages, etc),  to purchase a new vehicle, cottage or vacant land, to arrange funds for university, to renovate, or for any other purpose. A home mortgage will make possible the purchase of your first, second, third or fourth home. Need a credit line or home equity loan for your future needs ? Perhaps you need a new home mortgage to prevent bankruptcy. No matter what your objectives or special circumstances, I can provide an attractive mortgage with a quality lender.  With an extensive variety of lenders, including banks and private loans, most needs can be met. Remember if you are moving, my expertise may save you money with your existing lender. I always treat your interests/finances  as if you were a family member.
                           
                                                              CREDIT REPORT
 
A good credit report and credit score are important factors in determining whether or not you will be approved for a mortgage with most lenders. Here are some simple steps you can take to improve your credit score.
 
What is a Credit Score?
 
Your credit score is a number that illustrates your financial health at a specific point in time. It also serves as an indicator of your financial past, and how consistently you pay your bills and debts. It  is one of the factors lenders consider when qualifying you for a mortgage.
 
How to Check Your Credit Score
 
To find out your credit score, contact Canada’s two credit-reporting agencies” Equifax Canada at www.equifax.ca and TransUnion Canada at www.transunion.ca
 
For a fee, these agencies will provide you with an online copy of your credit score as well as a credit report – a detailed summary of your credit history, employment history and personal financial information on file. You can also obtain a free copy of your credit report by mail. If you find any errors in your report, notify the credit-reporting agency and the organization responsible for the inaccuracy immediately. It is in your best interest. 
How to Improve Your Score
 
Demonstrating your ability to manage credit is key to obtaining or maintaining a good credit score. There are a number of things you can do to improve your credit score. These include:
 

• Always  pay, at least, the required minimum payment.
• Pay your loans, credit cards, lines of credit etc on the precise due date or earlier.
• Never go over the limit on your credit cards, and try to keep your balances well below the limits.
• Reduce the number of credit card and loan applications you request.

I have the expertise to help you correct information and get yourself ready to purchase a home. Call me at 905-666-4102 or email mtaylor@durhammortgage.com.