You need a Mortgage Planner as  your home and therefore your mortgage is the most signigicant decision you will ever make.

 

Are you looking for: RATE PROTECTION? RATE GURANTEE ? PAYMENT FLEXIBILITY ? Whatever your personal home mortgage needs, Marilyn will make the difference.

 

 Why settle for more of the same? Let Marilyn switch your mortgage balance to a progessive financial  institution who will not only appreciate your business but compete for your home mortgage. The banks are not my competitors, but my funders of mortgages. In addition, I can access numerous high quality mortgage companies to meet your unique requirements.  (All our lenders are strictly guided and comply with the Bank Act which is the precise reason Canada is now a world economic leader).

     

ABOUT MARILYN

My "niche"  is assisting clients to achieve their mortgage financing with the least possible delays and conditions. My role is as an educator, resource povider and facilitator. The banks are not my competitors but my suppliers of mortgage funds. Providing expert knowledge and reducing the confusion over which is the "right" mortgage (all mortgages are not the same)  provides me with my greatest satisfaction. My focus and priority at all times is for you to maintain or enhance your current lifestyle.

I will work diligently as your exclusive representative to obtain  the best suited home mortgage, at the best mortgage rate, with the least hassles. This is true whether you wish to purchase, refinance, switch to another lender, use your home equity for investing or need assistance because you are struggling to stay afloat. I have been providing mortgage loans for over 25 years and experiened many economic climates. I bring this expertise and experience to the table for your benefit. 

Your mortgage loan is your largest financial commitment. It is important to have an expert working only for you. Get a true professional on your side by phoning or emailing me for a FREE, no OBLIGATION assessment. I cost you nothing but will always show you how to SAVE thousands of $$$. (Your will find a mortgage calculator on this site for your use).

Ajax, Pickering, Whitby, Oshawa, Clarington, Courtice, Hampton, Port Perry, Seagrave, Pontypool, Scarborough, Toronto, Markham, Newmarket and surrounding areas.

TESTIMONIALS

 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 and in the end I feel like we are friends!! I feel like I can ask her anything at all, she is so approachable!!(Jan 2010). Linda F. Oshawa, ON

Thank you so much Marilyn!! I am very grateful for all the assistance you have given me through out the process of purchasing both my houses in the last couple of years. Your dedication to ensure all the paper work was completed for the lawyer on time for a "quick close" was truly outstanding.(Dec 2009)  Michael M. Peterborough, ON. 

Marilyn was amazing! She stuck with me while I tried to figure out where I wanted to live and what I wanted to pay. She answered numerous questions fully and with great patience. She helped me through the fear of purchasing a house and made sure that I wasn't going to be "house poor".  She was also part teacher and explained everything I needed to know even though I had a mortgage already - mortgage rates, options, fixed vs. variable rate etc. She also helped me deal with my exisitng lender which saved me $$$. What amazing service!! (Aug 2009) 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, I approached my long term banker for a pre-approval and then again with a real offer to purchase. After almost a week and several phone calls later, I found out that they were not able to help me and quickly realized that their pre-approval had no value. Also, I was in jeporday of losing the home I wanted. In contrast, Marilyn was able to obtain a home mortgage for me 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

Through out the process of purchasing our first home, Marilyn Taylor was very, very helpful. Her expertise and knowledge kept it on track and she worked diligently to ensure nothing slipped through the cracks. We truly appreciate her assistance and determination. We will refer her to our family and friends. With our move, we are now enjoying "home ownership".  J. & R. Mulholland, Barrie, ON.

MORTGAGES PURPOSES?

There are as many reasons to obtain a mortgage as there are clients but be assured you will be treated as an individual and care will be taken to ensure your specific requirements are met. Some people may wish to refinance their home or investment property to take advantage of lower mortage interest rates, to include existing debts such as loans and charge cards, to purchase a new vehicle, cottage or vacant land, to arrange funds to send your children to university, to get money for renovations  taking advantage of the (2009) income tax breaks, or for any other purpose. A home mortgage will make possible the purchase of your first, second, third or fourth home. I can also arrange a credit line or home equity loan for your future needs. Perhaps you need a new a home mortgage to prevent bandruptcy. No matter what your needs or special circumstances, I can assist you with an attractive mortgage with a quality lender. Remember if you are moving, my expertise can save you money with your existing lender. I have an extensive variety of lenders to access depending upon your unique requirements including the banks who are not  my competitors but my mortgage funders when it is in your best interest.

                                                      YOUR 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 maintain a good credit history and improve your chances of being approved.

 

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 off your bills and debts. This is one of the factors mortgage professionals consider in 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.

 

How to Improve Your Score

 

Demonstrating your ability to manage credit is key to maintaining a good credit score. There are a number of things you can do to improve your credit score. These include:

 

• Always pay your bills in full and on time. If you can not pay the full amount, try to pay at least the required minimum shown on your monthly statement.’
• Pay your loans, credit cards, lines of credit etc on the precise due date
• 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.

 

ARTICLE

Study says variable-rate mortgages better deal for borrowers most times

The Canadian Press (Oct/09)

TORONTO - Fixed mortgage rates may help you feel secure in your budgeting, but the Bank of Montreal (TSX:BMO) says the more volatile variable rate mortgages will save you money in the long run.

The bank put out a report Friday showing that, over the past 30 years, variable-rate mortgages have been more cost-effective about 82 per cent of the time.

That may come as a surprise to some after studies have shown many Canadians prefer a fixed-rate mortgage.

A fixed rate locks the borrower into a set interest rate for a certain period of time.

That gives many borrowers peace of mind knowing how much money to set aside each month for their mortgage payment.

Variable rates change along with interest-rate moves.

BMO said the Bank of Canada's overnight lending rate is at its lowest possible point now, which could mean there are fewer benefits to a variable rate in the foreseeable future.

BMO highlighted two historical periods when fixed rates were considered beneficial - in the late 1970s and late 1980s - and both were just before interest rates started rising again.

The bank added that the current interest environment is similar to both of these periods.

"Short-term rates are at extreme lows and pressure is likely to build for higher rates in the year ahead," said deputy chief economist Doug Porter in the report.

"The question of whether to lock in to a longer-term fixed mortgage rate or stay in a variable rate has become an increasingly complex and important issue."

Canada has been in a long-term declining rate environment since the early 1980s, the bank suggested.

As a result, the spread between five-year fixed mortgages and variable mortgages has been pushed wider in recent years, and is now near an all-time high.