RESIDENTIAL MORTGAGES

At Mortgage Alliance, our main objective is to deliver value to the mortgage consumer, and make sure that you get the right mortgage.

Getting you the right mortgage means that we take the time to understand your situation and your needs, and use our expertise and knowledge to help you make the right mortgage decision. There are hundreds of different mortgage products out there – and the choices you make could save you thousands of dollars and take years off your mortgage. Let a qualified Mortgage Alliance Professional take care of you needs.

BUY A HOME

We Can Help Make the Biggest Purchase of Your Life Easier.

Whether you’re about to take that next BIG step and purchase your very first home or are now ready to “move-on-up”, you’ll find the information, resources and helpful tips on the site just that, helpful!

  • Pre-Approval
  • First time Home buyer
  • Purchasing Your Next Home

REFINANCE YOUR MORTGAGE

You have worked hard to build the equity in your home and now might be the time to get the equity, working for you.
Are you’re thinking about undertaking that long-planned home renovation, dreaming about that great vacation, or wanting to pay off your credit cards? Maybe you have even started planning for your children’s future education? A mortgage refinance maybe your best option. Working with a top producing Mortgage Alliance Professional will provide you with choice, convenience and great counsel so you can select the best solution for your needs.

We work with many lenders to get you the best rate, best term and the features you want so you can use the equity in your home. It’s just one way we can get your mortgage working for you!

LINE OF CREDIT

The advantage of a line of credit over a regular loan is that interest is not usually charged on the part of the line of credit that is unused, and the interest rate is usually much more attractive than traditional credit card rates. The borrower can draw on the line of credit at any time that he or she needs to. And in some instances it’s a good idea to consolidate your debts with a line of credit or it can be used to help you achieve home improvement dreams or many other “wish-lists” you may have.

RENEW YOUR MORTGAGE

Don’t renew your mortgage, Renegotiate it
In the majority of cases your existing lender will offer you a moderate discount over the “posted rates” and all you have to do in most circumstances is sign a letter you receive by mail. Sounds easy and painless, we know, but you may have just cost yourself thousands of dollars over the new term of your mortgage.

PRIVATE MORTGAGES

A private mortgage is a good way to get fast cash for just about any purpose. If you don’t qualify for a regular mortgage or don’t have time to wait the regular two to three weeks to get the money from a bank or trust company, private lenders can help.
Contact us and we’ll be answer all your questions.

BAD CREDIT?

Is a low credit score preventing you from getting the mortgage loan you need? A low credit score doesn’t have to keep you from buying the home of your dreams. At Mortgage Alliance, we make it possible for homebuyers to secure the financing they need, even if they have less than perfect credit.
We understand how difficult it can be to purchase a home with poor credit. Depending on your financial situation, you may end up paying a higher interest rate or you may not be able to get a loan at all. That’s why we’ve committed ourselves to helping responsible homebuyers like you achieve their dreams of homeownership despite poor credit reports.
If you’re concerned about buying a home with a low credit score, we want to help you get financing for Buyers with Imperfect Credit.

PRE APPROVAL

Pre-approval is key. This process will provide you with a specific dollar amount that you can afford. Lenders and sellers will know you are serious about buying when it’s time to make an offer. And in hot real estate markets, a buyer may need to act fast; if the competing buyer has a pre-approval in hand and you don’t, they win.
Pre-approval is quick and relatively painless. Usually you can get pre-approved within 24 hours with the necessary income verification and supporting paperwork on hand. It’s the right step in your home purchase process. Let’s get you pre-approved today. Contact us and we’’ll answer all your questions.

IS SWITCHING YOUR MORTGAGE A GOOD IDEA?

You’ve heard about the switch mortgage and know that it means moving your mortgage to another lender but don’t quite understand the whole story.
The best way to tackle the switch mortgage subject is to answer some of the many questions we’ve had over the last little while. First off, when you get that renewal notice in the mail, do yourself a favour and don’t just sign it and accept the lenders interest rate and terms without giving us the opportunity to see if we can get you a better deal. Banks make some real good money with renewals when people just sign the renewal and send it back. Remember, there’s no cost or obligation to have us take a look. Knowing if switching or transferring your mortgage is the right thing to do, start with a conversation with your Mortgage Alliance Professional.