First Time Home Buyers • Self Employed Solutions • Mortgage Renewals • Credit Repair • Debt Refinancing • First and Second Mortgages
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Create more wealth in your life: I’ll get your money working harder for you!
- I have more than two decades of experience: use it to power your financial future.
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Loyalty up front: I work only for you; your success is my highest goal.
- My honesty and integrity saves you time and stress.
- With unbiased advice, I’ll provide you with solutions even when a bank said no.
“You were fantastic in dealing with our issues while trying to get our mortgage renewed. It was no easy feat. Thanks for all your help and personal touches, Tracy!” −Veronika, Whitby, ON
Home ownership made easy and affordable. Just tell me what you need. Then let me handle it for you.
Your mortgage will have the right features for a tremendous financial advantage. My solution-based service gets you fast results.
My expertise gives you a powerful edge. With over 20 years of industry skill, I I’ll negotiate with trusted and secure lenders: banks, credit unions, and others governed by the Bank of Canada. Nine times out of ten, I’ll get you a better interest rate than a bank would offer.
I’ve earned the trust of my clients with loyalty, honesty and unbiased advice: the market has to be right, the deal great, and the strategy geared to enhancing your wealth.
I’ll tell you in plain language what makes the most sense for you. My service costs you nothing: I’m paid by the lender, but only when I’ve created a mortgage that’s your best deal, at a great interest rate. My only attitude is optimistic, with a passion for your success.
If you have colorful credit, I’ll help you develop a strategy to improve your credit score, so you can qualify for a mortgage or get a better interest rate.
I am available when you need me. You don’t have to get that ‘no’ from a bank before coming to me. Your success is my success, and my first priority is you. I’ll do all I can to satisfy your needs. That’s my goal.
Make your goal financial freedom! New Home Buyers are always welcome. Call me today: 905.626.3459.
“We had a hard time qualifying for a mortgage, but Tracy gave us great advice on how to improve our credit rating. She was patient and always willing to offer guidance with a friendly voice. The end result was a great mortgage at a great rate. I would highly recommend her to anyone looking for an amazing broker with a wonderful attitude. You can tell Tracy loves her job!” −Trisha, Oshawa, ON
Act Now to Create More Wealth in Your Life
Imagine having more financial freedom by leveraging an existing asset: your home! Imagine combining all your debts into one convenient, monthly payment. Imagine saving hundreds of dollars each month, then enjoying the increased cash flow or paying down your debt faster. Just imagine how wonderful it would be.
Let me show you how your home investment can be used to consolidate all your debts. Refinancing is the smart solution! The result will be a single mortgage with a much lower interest rate than most credit cards or consumer loans. The example below shows how you can save hundreds of dollars in monthly payments.
Current situation:
|
|
Balance
|
Payment
|
| Mortgage (@ 5%) |
$ 160,000 |
$ 931* |
| Car Loan |
$ 15,000 |
$ 400 |
| Credit Cards/LOCs |
$ 20,000 |
$ 600 |
| Penalty to break mortgage |
$ 5,000 |
|
|
Total
|
$ 200,000
|
$ 1,931
|
|
|
|
|
New mortgage:
|
|
Balance
|
Payment
|
| Mortgage (@ 3.99%) |
$ 200,000 |
$ 1,051* |
| Car Loan |
Paid off |
|
| Credit Cards/LOCs |
Paid off |
|
| Penalty to break mortgage |
Paid off |
|
|
Total
|
$ 200,000
|
$ 1,051
|
|
|
|
|
*based on a 25 year amortization.
While the amount of debt is the same in both examples, by refinancing all your debts into a single mortgage your monthly payment is dramatically lowered. Even with a penalty to break your existing mortgage and refinance with a new one, the figures below make it clear: refinancing is a smart option for homeowners who want to enhance their wealth and save hundreds of dollars in monthly fees.
Refinancing saves you:
As your mortgage expert, I will work with you to explore the various options and find the right one for you. Contact me, Tracy Axford, today for your complimentary assessment! Email me at: taxford@durhammortgage.com. Or for faster service, call me directly: 905-626-3459.
“As a first-time buyer, the process of looking for a mortgage on my limited income was overwhelming. There were so many options and I had so many questions. Tracy's personal approach, expert guidance and support were invaluable. With her help, I secured the right mortgage for me and am now enjoying my new home. Thanks, Tracy!” −Heather, Oshawa, ON
“Tracy was our agent when we bought our first home. She made the experience incredibly easy, while helping us learn so much about the process. There is a lot of information coming your way when you purchase a home, it's tough to keep it all straight. Tracy was our helping hand, always there when we needed her. We couldn't imagine doing this with anybody else.” −Robbie, Oshawa, ON
A little bit about me...
I have been a resident of Durham Region for over 34 years and a dedicated member of the community. I’ve enjoyed 10 years of mentoring a high-school student as a big sister, through the Big Brothers and Sisters of Ajax-Pickering and I devote time to many local charities and organizations.
- I am the President of the Board of Directors for Big Brothers and Sisters of Ajax-Pickering and was twice honored with the Big Sister of the Year award (2002 -2003 and 2008-2009).
- I was awarded Best Mortgage Agent 3 years in a row (2007-2009) through the Ajax Pickering News Advertiser’s Readers Choice awards.
- Member of Whitby Chamber of Commerce, and volunteer Ambassador to visitors and new members.
My commitment to support my community, through my volunteer activities, enables me to extend my reach and help a larger number of people.
“I called Tracy, scared, apprehensive and pressed for time, with just one year to come up with my down payment and find a home. I told her about my fears and concerns about being a sole home owner on my own with a new career and a young baby. She helped me find the strength to stay focused. I told her about my credit issues and she explained what I needed to do so I could buy my home.
Our first conversation left me excited and a lot more knowledgeable about the home buying process. Tracy's energy and excitement was so apparent during our call. She educated me, explaining the steps to being a home owner and my responsibilities as one. Tracy is an amazing individual who goes out of her way for you. She is hard working and so positive. I am very grateful and fortunate to have met Tracy.” −Kay, Whitby, ON
Call me for a free consultation: 905-626-3459.
