House Hunting In Toronto: Your online Toronto Real Estate Guide
with comprehensive information about mortgages and financing your new home
presented by Michael Pezzack, mortgage consultant for Buyingblock
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FINANCING
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CURRENT MORTGAGE RATES
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 Thinking about buying a house? That usually means taking out a mortgage: borrowing money to buy a home and using that home as collateral for the loan. Few people can buy a home for cash. Nearly nine out of ten buyers finance their purchase. This means that virtually all buyers, especially first-time purchasers, require a loan. The real issue with real estate financing is not getting a loan because anyone willing to pay hefty interest rates can find a mortgage. Instead, the idea is to get the loan that is right for you: the mortgage with the lowest cost and best terms.
Start the mortgage process well before bidding on a home. By meeting with lenders and looking at loan options, you will find which programs best meet your needs and how much you can afford.
Through discussions with loan officers in advance and identifying mortgage programs, it will eliminate the need to find a lender in a hurry so you can avoid rushing into a financing decision that may not be the best option for you.
The amount of money you can afford depends on your income, the down payment, current mortgage rates, and the amortization period you choose.
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MORTGAGE CALCULATOR
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Click on the image below to open a new window with a basic mortgage calculator.
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HOUSE HUNTING IN TORONTO PREFERRED PARTNER
The mortgage section of the House Hunting In Toronto website is presented to you by Michael Pezzack.
 "Hello I am Michael Pezzack, a mortgage consultant for Buyingblock. My job is to help you decide on a mortgage package then find you the lowest rate - my service is free.The reason there is no cost to you is that my services are paid for by the lenders themselves. This is possible because I do all administrative work involved in helping you understand the myriad of options available and then I shepherd you through the approval process. At Buyingblock we are able to present your mortgage application to over 50 financial lenders, likely including the institution you may have dealt with for years. In addition to the irony that the lender pays for my service, the rate you will get through us is often lower than if you approached them yourself.
So if you are preparing to buy a home or would like me to organize a pre-approval for a future purchase please give me a call. My goal is to help you reduce the cost of putting a roof above your head so you have additional money to decorate the walls that hold it up."
 If you need a mortgage, Michael has the solution. He knows that different people need different things in a mortgage. That's why he has solutions for all kinds of homeowners. Whether you are buying your first home, an investment or cottage property, or looking at home renovations or renewing your mortgage, he has a mortgage solution for you. Click here to read a 3D Presentation with an overview of Michael's mortgage products and services.For more information, to make an appointment for a free consultation or to arrange a pre-approval, you can call Michael Pezzack at 416-850-2642 or complete the Feedback Form and he will be in touch with you as soon as possible. To request a quote online, please visit Michael's secure server page at Buyingblock. Just fill in this form telling him a few important things about yourself and your mortgage financing needs and he will provide you with a free quote at the most competitive mortgage rate available.
Your e-mail address will never be never be sold,
traded, bartered, or transferred to anyone, in any way.
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CONTAC INFORMATION
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Rick McGuigan
Toronto real estate sales representative
Coldwell Banker Case Realty
Phone: 416-696-5100
Pager: 416-461-0925
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