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Alejandra Diaz Offers Personalized Advice For All Of Your Mortgage Needs In Alberta, offering both English and Spanish service. Call Now To Learn More!
Contact MeMortgage Broker in Alberta|Alejandra Diaz
Mortgage Services
· Purchase
· Renewal
· Refinance
· Home Equity Line of Credit
· Second Mortgage Services
· Debt Consolidation
· Builder mortgages
· Reverse Mortgage
· Commercial Mortgage
· Renewal
· Refinance
· Home Equity Line of Credit
· Second Mortgage Services
· Debt Consolidation
· Builder mortgages
· Reverse Mortgage
· Commercial Mortgage
Programs Offered
· FTHB incentive
· New To Canada
· New To Canada
Buying Your Next Home
Looking into buying your second home in Alberta? Whether you're new to the home buying process or consider yourself an experienced homeowner, you don't need to face the stress of financial planning, the mortgage approval process, and navigating the competitive real estate market alone.
I provide a leading brokerage service for those looking to buy their second home and will be there to help along every step of the way, from finding the right lender for you to keeping as much of your own money in your own pocket as possible.
Buying your First Home
Deciding to buy your first home is an exciting and momentous milestone in your life, and you should feel excited rather than anxious and overwhelmed. A mortgage broker is the best way to ensure that you review all loan options available to you and eventually settle on the best mortgage product for your situation.
Through my mortgage service for first-time home buyers based in Alberta, I take pleasure in guiding you through the process, answering any questions you may have, and making the experience as stress-free and enjoyable as possible.
Buying Your Next Home
Looking into buying your second home in Alberta? Whether you're new to the home buying process or consider yourself an experienced homeowner, you don't need to face the stress of financial planning, the mortgage approval process, and navigating the competitive real estate market alone.
I provide a lending brokerage service for those looking to buy their second home and will be there to help along every step of the way, from finding the right lender for you to keeping as much of your own money in your own pocket as possible.
Investment Property
Investing in real estate remains a favorable investment category among Canadians. If you are looking to diversify your income sources and make a rental property investment for the purpose of rental income, future resale, or both, my expertise in the field can help get you started.
My mortgage broker services and expertise in the Alberta market can help you find the right mortgage for you and your financial goals, setting you on the right path for success.
Bridge Financing/Bridge Loan
Selling your current home while looking for a new one is not always a simple process. This is where bridge loan financing comes into play a temporary financing option that helps you by "bridging" the gap between the sale of your existing house and the purchase of your new one. A bridge loan can be opportune by granting you more time to sell your home, allowing you to purchase your dream house before selling your current one, and permitting the use of your current home's equity for a down payment on a new one.
Let me offer my expert advice through my bridge financing service in Alberta to help you get started today.
Refinance/Access Your Home Equity
Refinancing a mortgage entails paying off an existing loan and replacing it with a new one. Those looking to take out a loan to invest, remodel their home, start a new business, or pay off existing debt may benefit from refinancing their home. Refinancing, or remortgaging, your home involves replacing your current mortgage for a new one with more advantageous terms, which can grant you access to up to 80% of your home's equity while often securing lower interest rates.
If you're looking for a mortgage refinance service in Alberta, get in touch to see how I can help you make the most of your money.
Builder Financing/Construction Loan
Home builder financing, or a construction loan, is a short-term financing option available to help cover the cost of the construction of a new home or real estate project. This may be the ideal option for you if you wish to build your dream home rather than purchase an existing one.
Construction loans can be both difficult to obtain and risky to navigate; therefore, it is crucial to work with a skilled mortgage broker who can assist you through the process. Contact me for more information on my builder financing service in Alberta to see what we can build together.
Business For Self Mortgages
Millions of Canadians are now self-employed in a wide range of fields and professions. An important step in mortgage applications is providing proof of a stable income and job. The traditional method of doing so often involves the documentation of T4's of a conventional day job, something someone who works for themselves would not receive.
Fear not - self-employed prospective homebuyers are still eligible for a mortgage loan! The process, however, may look a little different, and can most effectively be handled by an experienced mortgage broker. If you are seeking mortgage solutions for business owners in Alberta, reach out to see how we can move forward with your home buying journey.
Dissolution Of Relationship Financing
Not all relationships work out. With the dissolution of a marriage or partnership comes confusion about how to move forward with a joint mortgage. Most often, this leaves the parties involved with two main options:
1.Selling the house and splitting the earnings according to your agreement.
2. One party buys out the other, who maintains their title and mortgage on the house.
Navigating solutions to mortgage concerns and questions during this highly emotional time is difficult, and seeking the expert advice of an experienced mortgage broker is essential to guaranteeing the best solution is reached for both parties involved.
Finding a solution to resolving a shared mortgage can be tricky, but rest assured that several options are available to you. If you require the guidance of a divorce or separation mortgage specialist located in Alberta, contact me to get started.
Elevating the Mortgage Experience
My approach to mortgage brokering puts you and your best interests at heart. Discover more about my process and what makes me your top-choice mortgage broker in the Alberta area:
Understanding Your Needs
As a trusted mortgage broker with experience, I understand that not all prospective homebuyers are created equal; everyone has their own unique set of needs when deciding and planning to buy a home. I will get to know who you are and what you're looking for while taking your unique circumstances into consideration, such as your personal credit history and financial situation. Entering the landscape of home buying can be stressful, but rest assured that in my practice, even before you are a potential homebuyer, you are human. I believe in building meaningful connections and maintaining relationships with my clients, all while finding you the perfect home and mortgage.
Building a Mortgage Strategy
Once we have gotten to know each other and I have a better understanding of your needs, expectations, and goals, we will begin building a mortgage strategy that prioritizes finding a home that checks off all of your boxes while finding the right loan for you. All of this is done, of course, with a focus on ensuring the most competitive interest rates available to you, helping you save money.
Navigating and Negotiating with Lenders
Here is where my expertise comes into play. Trusting in mortgage specialists comes with the benefit of knowing that we are able to negotiate with mortgage lenders in order to ensure we find you the best lender available at the lowest costs possible. Finding a mortgage is difficult; put your trust in an experienced specialist who can do the hard work for you to secure the best outcome.
Buying a house is the biggest purchase you will ever have
Contact MeUnderstanding the Difference: Mortgage Brokers vs. Other Mortgage Professionals
Mortgage Broker vs. Real Estate Agent
A real estate agent is a licensed professional who helps their clients navigate the real estate market to buy, sell, or rent property. With an intricate understanding of the market, they can help you find the perfect home to buy or rent or the ideal buyer to sell or rent an existing home to. They assist through the entire process, from house hunting to closing. Comparatively, it is the responsibility of a mortgage broker to help find the client the most advantageous mortgage loan available to buy their perfect home.
Mortgage Broker vs. Banker
There are two main places that most people seeking a mortgage turn to find a loan: a mortgage broker or a bank. If you choose to seek a mortgage loan with the help of a banker, they will only be able to offer you the mortgage products that they offer at their unique financial institution. In comparison, enlisting the help of a mortgage broker means that you will have access to a wider variety of mortgage options and lenders, oftentimes including those of several financial institutions. Because brokers are not affiliated with or work for a single institution, they have access to multiple lenders, which often leads to better deals for the client.
Mortgage Broker vs. Lender
Mortgage brokers, or mortgage specialists, bridge the gap between borrowers—those looking to take out a mortgage loan to buy a house—and lenders—those supplying the mortgage loan. Mortgage brokers help prospective homebuyers by connecting them with lenders, negotiating the best interest rates and mortgage packages available to them, and answering any questions and concerns along the way to guarantee a more comfortable homebuying experience.
Why Choose Alejandra Diaz - Mortgage Broker?
Seeking the services of a mortgage broker helps make buying your first home, investing in real estate, or refinancing your mortgage an easier, less stressful process and experience. As a practicing and trusted mortgage advisor, I am committed to providing homebuyers in the Alberta area with a tailored, personalized experience while offering the most competitive interest rates. Contact me to see how we can get your homeownership journey started today.
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