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Patrick Wilson BBA, AMP
Mortgage Consultant
Mortgage Intelligence Inc.
609-250 Consumers Rd.,
Toronto, On M2J 4V6
Tel: 416-992-8685 or 647-477-6426
Fax: 416-849-0641 or 416-423-6187
Wilson.p@mortgageintelligence.ca
I am a graduate of Pace University in New York, where I majored in Economics. I was the owner of an office supply company, and was affliated with an Income Tax consulting firm for over fourteen years. This business exposure has equipped me with the tactic and empathy that is necessary to structure a mortgage loan for the self-employed and commissioned salesperson.
I believe that every mortgage transaction is unique and therefore, I would like to hear about your specific situation. I realize that the mortgage market can be turbulent at times and there is a rainbow of products available for you to choose from. Now, more than ever, you need a mortgage consultant that is caring and knowledgeable and that is backed by a solid company with a wealth of experience.
Give me a call at your convenience.
"A Lifetime Commitment to Uncompromising Service."
Patrick Wilson
GETTING A MORTGAGE IS EASY. SOME HELPFUL HINTS!
Why shop at 1 lender when you can shop them all?
With over 50 major lenders, we can give you the benefit of choice. The more you have to choose from, the better for you.
Why do the shopping yourself, when a professional can do the shopping for you?
Personal Service comes at no cost to you. We are compensated by the lending institution that funds your mortgage. In some extreme cases we charge a fee.
You Have Found The House Of Your Dreams, But Can You Afford It?
Before you waste time and become frustrated, call us and find out how much you can afford. We would need to know your income, your outstanding debts, and your credit history.
Are You Sure About Your Credit?
Always take a look at your credit report before you apply for a mortgage. Know the score! There might be mistakes and issues that have to be addressed. For example, you might have closed out a credit card 3 years ago, and it is still showing on your report with a balance outstanding.
Do You Have The Downpayment?
If you have part of your downpayment in cash, be sure to have this money deposited into your bank account 90 days before you apply for the mortgage. With an increase in money-laundering, terrorism-funding and illegal arms purchasing, financial institutions are suspicious about cash transactions. In addition, make sure you have some extra money for the closing costs. An adequate amount would be 2% of the purchase price of the house.
Can You Borrow The Money For The Downpayment?
Yes! As long as you disclose the facts to the lender, and that you have the income to service the loan, it’s okay.
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