Get Your DREAM MORTGAGE Today
Connect with Irma or Tina today!
Mortgage Renewal Made Simple
Visit Our Location
4725 Dorchester Road, Unit B4, Ontario. L2E 0A8
+1 (905) 321-9396 or +1 (289) 296-1919
Don't settle for a costly renewal! Many Canadians miss out on potential savings by blindly renewing with their current lender. Let's change that.
As your independent mortgage advisor, I have access to over fifty lenders, ensuring you get the best rate possible. A small rate reduction could mean substantial savings over time, bringing you closer to mortgage-free living.
But it's not just about the rate; it's about finding the right mortgage type for you. Whether it's switching from fixed to variable or vice versa, I'll tailor a solution to fit your financial goals and risk tolerance.
Unlike bank representatives, I work for you. I'll navigate the market, presenting only the options that suit your unique needs, ensuring you make an informed decision.
Imagine life without a mortgage weighing you down. Let's work together to make that a reality sooner. Don't wait until renewal day—contact me today for a consultation and start planning for your mortgage-free future.
Streamlined Home Purchasing
Navigating the maze of home financing can be daunting, but it doesn't have to be. As your dedicated RMA Mortgage Partner, I'm here to simplify the process and put you in control.
Why choose an RMA Mortgage Advisor?
Just as you rely on a real estate agent to find your dream home, I'll scour the market to secure the best mortgage solution for you. With access to over fifty lenders, I'll do the legwork, ensuring you get the tailored support you deserve.
Finding the right mortgage involves more than just the interest rate. From fixed to variable options, I'll take the time to understand your needs before offering personalized recommendations.
Once we've identified the perfect lender, I'll negotiate on your behalf to secure the best rate possible. Plus, I'll guide you through the contract terms, ensuring you're confident in your decision.
Let's streamline the paperwork process, so nothing stands in the way of your approval.
Get ahead with pre-approval
Don't wait until you've found your dream home to start the process. Pre-approval arms you with crucial insights into your budget, saving you time and ensuring you're ready to make an offer when the right property comes along.
Plus, with pre-approval, you'll stand out in a competitive market, giving you the edge over other buyers.
Ready to make your move? Contact us today for a consultation, and let's find the perfect home loan solution for you.
Navigating Your First Home Purchase Made Easy
Buying your first home is a memorable milestone, but it can also be intimidating. With numerous funding options available, it's essential to make informed decisions.
As your RMA mortgage advisor, I'll simplify the process, guiding you through various mortgage types to find the perfect fit for your financial situation and investing style.
Why choose a mortgage advisor?
While many offers focus solely on rates, there's more to consider. From fixed vs. variable options to amortization periods, I'll provide unbiased advice, drawing from over fifty lenders to secure the most suitable mortgage for you.
Perks for first-time buyers
First-time homebuyers enjoy unique benefits, like RRSP loans for down payments and tax incentives. I'll help you understand and capitalize on these opportunities, handling all necessary paperwork.
Preapproval advantage
Don't wait to get preapproved. Knowing your budget upfront prevents disappointment and gives you a competitive edge in a busy market. Let's secure your preapproval and set you up for success.
Realize your homeownership dream
If you're ready to take the leap into homeownership, We're here to help. Contact us today, and let's find the perfect mortgage solution for your first home.
Streamline Your Finances with Mortgage Refinancing
Struggling with high-interest debts? Mortgage refinancing could be your ticket to financial freedom. By leveraging your home equity, you can consolidate debts and potentially save money each month.
Why choose a mortgage advisor?
As your independent advisor, I'll guide you through the refinancing process, weighing the benefits against any potential penalties. With personalized illustrations, I'll show you how refinancing can impact your monthly payments and overall mortgage costs.
Plus, with access to over fifty lenders, I'll negotiate the best rates and terms on your behalf, ensuring a seamless refinancing experience.
Before you refinance
While refinancing can provide relief, it's crucial to have a plan in place to avoid falling back into debt. Establishing a budget and building an emergency fund are essential steps to secure your financial future.
Ready to take control of your finances? Contact us today for a consultation and discover if mortgage refinancing is the right solution for you.
Navigating Mortgages for the Self-Employed
Self-employment offers flexibility and rewards, but securing a mortgage can be challenging. Traditional lenders often require extensive documentation, making it difficult to qualify for the desired amount.
Why consider a mortgage advisor?
Just as you rely on professionals in your business, having a mortgage advisor on your team streamlines the process. With expertise and industry contacts, I'll navigate the complexities for you.
As an RMA advisor, I work with over fifty lenders, including those specializing in self-employed mortgages. I'll find the best rates and terms tailored to your unique situation.
Why choose alternative lenders?
Traditional lenders may hesitate, but alternative lenders offer flexibility and consider various factors beyond income, like credit history and property type.
Don't let self-employment hinder your homeownership dreams. Contact us for a consultation, and let's find the right mortgage solution for you.
Unlock Financial Freedom: Utilize Your Home Equity
Many Canadians find themselves trapped under heavy debt burdens, exacerbated by sky-high interest rates from credit card companies. But if you're a homeowner, there's hope: your home equity could be the key to improving your credit and shedding debt.
How can you leverage your equity?
Refinancing your mortgage is a common strategy. By rolling high-interest debts into your mortgage, you benefit from lower interest rates, reducing monthly payments and accelerating debt repayment.
Alternatively, if mortgage refinancing isn't suitable, a personal line of credit might be an option. Leveraging your home equity could secure you better interest rates, providing a pathway to financial freedom.
Crafting a debt-free future
Whichever route you choose, it's crucial to have a plan in place. Consolidating debt is just the beginning. Allocate extra cash towards building an emergency fund, safeguarding against future financial strains. And remember to save for your future to maintain a debt-free lifestyle.
Why consult a mortgage advisor?
As an RMA mortgage advisor, I'll guide you through these options, ensuring you make informed decisions. With access to over fifty lenders, I'll compare rates and terms, finding the best fit for your needs.
Ready to take control of your finances? Contact me today and let's get started on your journey to financial freedom.
Irma Sebastiano - Mortgage Agent Level 2
Mortgage Agent #M12002096
Tina Sebastiano - Mortgage Agent Level 2
Mortgage Agent #M19000491
R.M.A. Real Mortgage Associates
Licence # 10464
4725 Dorchester Rd., Unit B4, Ontario Canada, L2E 0A8
1-905-321-9396
Monday to Friday: 9:00am to 5:00pm
Saturday & Sunday : CLOSED
Copyright © Irma Sebastiano 2013 to All Rights Reserved
Website Development by: MOBIFLY Canada
Get a FREE Mortgage Evaluation Today!
Need a second opinion on your mortgage? Contact Irma or Tina for a free mortgage evaluation!
