Bring it HOME
Consultative Service, Expert Advice and Flexible Mortgage Solutions for the Self-Employed
As someone who is part of the growing ‘business for self’ segment, you have likely had to make some major trade-offs to achieve your dreams. A September 2007 Mortgage Intelligence survey of self-employed Canadians indicates that you are not alone:
• 49% said they have postponed real estate purchases;
• 57% said they have little to no retirement savings; and
• 51% said they take fewer vacations than they would like.
As a mortgage professional, I understand the challenges, rewards and trade-offs involved in being self-employed. The good news is that when it comes to negotiating a mortgage – whether to purchase a home or leverage home equity – you no longer have to make those trade-offs.
At Your Service, At Your Convenience
Over the past decade, the use of mortgage professional has grown in popularity because of the outstanding service levels and competitive mortgage solutions provided. In fact, many self-employed people now turn to mortgage professional in a similar capacity to how they would consult other expert advisors, such as lawyers, accountants or financial planners.
As a mortgage professional with Mortgage Intelligence, I am your agent, working for YOU, not an institution. I will help you stay focused on your business, alleviating the burden of many time-consuming and frustrating tasks associated with securing a mortgage.
My commitment to you is that I will work around your busy schedule as an entrepreneur. I will strive to understand your personal and professional goals and will identify competitive mortgage solutions based on your unique profile.
Expert Advice from a Mortgage Professional
I understand that while owning your own business can be extremely rewarding, it often comes with a lot of stress. The 2007 Mortgage Intelligence survey also found that 37% of self-employed respondents indicated that business finances were keeping them up at night, followed closely by personal finance challenges at 28%. Another 32% felt that they were bogged down by administrative matters.
As an independent mortgage professional, I will advise you of different mortgage options, take care of mortgage applications and help you select the solution that best suits your needs. The good news is that many lenders now offer a wide range of flexible mortgage solutions that:
• base approvals on personal credit history and work experience; and
• offer a variety of flexible terms, including amortization periods and payment schedules.
A Mortgage Solution Tailored to Your Goals
When asked by Mortgage Intelligence what real estate purchases they are planning in the next three years, self-employed respondents indicated that:
• 26% are planning to buy or refinance a primary residence;
• 12% are planning to purchase an income property; and
• 10% are planning to purchase a vacation property.
Many self-employed individuals also negotiate mortgages to lower monthly payments through debt consolidation, establish a home equity line of credit for their business, renovate their home or build the ideal home office.
I will take a consultative approach to understanding your goals and will clearly outline the mortgage process step-by-step. I will work on your behalf to negotiate competitive mortgage solutions from more than 50 lenders, several of whom offer unique mortgages for the self-employed, including up to 90% stated income mortgages.
Learn how I can help you Bring it HOME by freeing up your time, providing expert advice and service, and consulting on the right mortgage solution for you!
Contact me today to learn how I can help you meet your financial goals
Brad Gavin
Mortgage Agent
P. 403.685.7025 F. 866-269-3499
December 22nd, 2009 at 7:45 pm
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