Got Mortgage Questions? I’ve Got Mortgage Answers!
Finding the Right Home Without Blowing Your Budget
If you have been looking to find the right first home within your budget, it's a matter of mind over money, here's some tips from Genworth Financial that will help you keep perspective! It’s hard to say “goodbye” to your dream home. But if you fall for a house that’s...
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I Missed a Credit Card Payment… Now What?
If you've missed a payment on your credit card (or line of credit) and you're wondering how this will impact your creditworthiness down the road, this article is for you. But before we get started, if you have an overdue balance on any of your credit cards at this...
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Your Work Makes You Happier Than You Think
While we may think we dislike our work, research shows we’re considerably less happy doing nothing. The great paradox of working for a living, according to a recent longread by Derek Thompson for The Atlantic, is “that while many people hate their jobs, they are...
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The 10 Don’ts of Mortgage Closing
Okay, so here we are... we have worked together to secure financing for your mortgage. You are getting a great rate, favourable terms that meet your mortgage goals, the lender is satisfied with all the supporting documents, we are broker complete, and the only thing...
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Bank of Canada Rate Announcement May 24th, 2017
The Bank of Canada is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Inflation is broadly in line with the Bank’s projection in its April Monetary Policy Report (MPR)....
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Bernie Klacer
Mortgage Broker FSCO LICENSE # M08001405
Don’t hesitate … if you have mortgage questions … Just Ask Me!
Contact me anytime: 519-518-2340
Services
Home Purchase
If you are looking to purchase a property, understanding all the mortgage options available to you can seem overwhelming. The market is hot and having a clear plan is a must. That’s where I come in, I do this everyday, and I love it. I will help you make sense of all the numbers and provide you with options that make sense to you so you can shop with confidence.
Renewal
The best time to start looking at renewing your existing mortgage is 120 days before your maturity date. If your existing lender has sent you a renewal offer in the mail, the first thing you should do is send it to me so I can give you a second opinion. Never just sign the offer, there is always room to negotiate. I am here to help you, so that you don’t have to do those negotiations alone!
First Time Home Buyers
If you are looking to purchase your first home, then you have come to the right place! I absolutely love answering questions and helping first time home buyers understand what mortgage financing is all about. I will walk through the process with you and make sure you feel comfortable with the details of your mortgage contract and that they meet your unique financial needs. My goal is to be your mortgage advisor for life, lets start the journey together!
Renovation Mortgage
There are many homes offered for sale in Ontario that have great potential but are in need of repairs or renovations. These homes are generally sold at prices that represent excellent value. While the value of these homes is attractive, financing the necessary work has often been difficult. Wouldn’t it be nice if it were possible to buy that “fixer-upper” at a great price, immediately have it renovated into your dream home, and do it all with one manageable mortgage, and a minimum down payment?
Tough Credit Mortgages
For potential home buyers and home owners in Ontario who have had difficulty with credit in the past, take heart! All is not lost. Help may be just around the corner. Due to the competitive nature of the Canadian mortgage industry, more and more lenders are seeking out niches to obtain mortgage clients. One such niche is the tough credit mortgage client. If you have experienced difficulty obtaining a mortgage in the past I can discuss mortgage qualification requirements for tough credit clients with you.
Commercial Financing
Business development requires various kinds of investments. Be it buying equipment to enhance your production, or a vehicle for efficient transportation, or even various fixed assets. I understand that your business may require financing for your long-term business goals. I can assist you with commercial loans with flexible repayment terms and competitive fixed or variable interest rates.
Are you looking to buy a new home, renovate, refinance or renew an existing mortgage?
Here are some of the nice things my clients have said about me!
Bernie Saved Us!
Getting a mortgage, or in our case refinancing our existing mortgage at renewal was STRESSFUL to say the least. Unfortunately we had some credit issues and missed a couple mortgage payments due to being laid off at work. When our existing mortgage came up for renewal, our existing lender didn’t want to renew it for us. Bernie literally saved us.
We are confident that if it wasn’t for Bernie, we would have had to sell our house and we would probably be renting right now. Although the rate we got was higher than what we had, we are still very happy with everything. Bernie helped us not only get this mortgage, but worked on a plan to get us back into a better mortgage in a couple years!
Thanks again Bernie, you have been awesome to work with! We will definitely be returning after our term is complete!
Elliott & SamReccomend to Anyone!
As a first time homebuyer, I had no idea what to expect when purchasing my first house. I did some preliminary groundwork myself and talked to my bank, but found myself overwhelmed. That is when my friend told me to call Bernie. Bernie was able to beat my banks rate offer, but also was able to explain everything in a way that I could understand.
I found Bernie to be extremely professional and definitely an expert in mortgages. He worked hard to get me the best financing for my new home. I couldn’t be happier and would recommend him to anyone needing a mortgage.
Janice P.Helped Me out of a Tough Spot
I’m a small business owner who ran into some real financial troubles. I will spare you all of the details, but lets just leave it at, I was in a really tight spot and Bernie was able to come through for me.
I was recommended to Bernie from a friend of mine who claimed Bernie could work magic and it turns out he can. When my bank flat out turned me down for a mortgage, Bernie had other lenders who work with people like me all the time. I think the best part of working with Bernie is that I never felt judged, he treated me really well.
Thanks again for everything Bernie, I know that I will tell everyone about how you helped me out and that they should call you.
Chris ZimmermanI am proud to have developed strong working relationships with several Canadian mortgage lenders. Let’s find out which one has the best mortgage product for you!
If your financial situation is “complicated”, and you are unable to get standard mortgage financing from a bank, don’t worry, I’ve got you covered. I have a lot of great relationships with “B Lenders” and Private Investors who lend to people just like you.
Contact Me Anytime!
Not really into number crunching and not ready to hit submit on that contact form yet? No worries! Why don’t you head on over to my blog, there is a lot of great information there!
