Mortgage Alliance / Elaine Carter

Mortgage Alliance / Elaine Carter

A Wide Variety of Mortgage & Financing Solutions

We know that different people need different things in a mortgage.

Finding a great mortgage can be stressful and time-consuming…But at Mortgage Alliance, we've been successfully delivering the best rate for tens of thousands of satisfied clients for nearly a decade.

Finding the right mortgage for you is our business. We know which lenders have the best rates and we negotiate with multiple lenders at one time. What's more, we know the system and have the industry knowledge required to present a proposal for financing to lenders to successfully obtain mortgage financing, and we do all the paperwork. Plus, CENTUM Mortgage Professionals are compensated by the lenders, and in most cases we offer our services free of charge to our clients.

Achieve your goals faster with a personal loan! Get up to $35,000 in as little as 48 hours. Contact me for more information.

Mortgage Alliance / Elaine Carter's cover photo

[09/26/18]   CAR & HOME Insurance Now Available
Contact me for a quote !!

[09/05/18]   Do you have a WILL?

As soon as you have a bank account or job you must make a will. Even the simplest one to give direction of what you want done with your possessions. You can find free will kits online .

When my 18 yr old daughter passed away she didn’t have a will and I had a very difficult time even dealing with her small bank account .

It doesn’t have to be elaborate , just something .

Don’t wait , do it today .

Marketplace: In Denial | CBC

I have the solution , inbox me and properly protect your family .

Mortgage insurance is meant to offer peace of mind. Most people pay the premiums and think they're covered. But some have discovered - when it's too late - t...

[06/11/18]   AS A MORTGAGE BROKER I work with over 67 lenders including Scotiabank, TD Bank, First Ontario Credit Union, Meridian, First National and many more. Why would you go anywhere else?

[06/08/18]   The BEST compliment is a loyal client and a referral!!! Thank you

REALTORS:

Mortgage Alliance / Elaine Carter's cover photo

[04/24/18]   MORTGAGE INSURANCE: Are you paying too much?
Are you properly covered?
Are there better options out there for lower cost higher value coverage?
NO OBLIGATION REVIEW
Contact me today for a second opinion. (905) 220-9500

[04/23/18]   Accepting new Mortgage clients now...free consultation open for bookings .

mortgagealliance.com

Elaine Carter

PRE - APPROVALS, NEW BUILDS, PURCHASES, REFINANCES AND CONSOLIDATIONS, APPLY TODAY!

Before rates rise again, start your refinance 90 days before your renewal date. Lenders, appraisers and lawyers are overloaded these days so start early and have peace of mind.

New qualification rules are making it tougher even on refinances to qualify for a mortgage, don't be left disappointed in the final hours, start today.

By using a broker like myself we have access to over 60 Lenders all with ONE APPLICATION AND ONE CREDIT BUREAU, saving you precious time and protecting your credit rating.

With access to banks, trust companies, credit unions and private lenders I help you increase your range of possibilities.

Visit my website to start your application in the comfort of your home or office. www.mortgagealliance.com/elainecarter

mortgagealliance.com

[02/28/18]   PROTECT YOUR CREDIT....1 APPLICATION + 1 CREDIT CHECK + OVER 60 LENDERS = SMART

Ongoing education is important ! Love my work.

[02/01/18]   KEEP UP WITH MORTGAGE NEWS AND HAVE A CHANCE TO WIN $100,000

http://www.mortgagealliance.com/ElaineCarter/newsletter

mortgagealliance.com

Elaine Carter - Rates

http://www.mortgagealliance.com/ElaineCarter/mortgage-rates

RENEWING, REFINANCING,NEW PURCHASE ...GIVE ME A CALL!

BOOKING IN HOME APPOINTMENTS NOW.

mortgagealliance.com

globalnews.ca

New mortgage rules 2018: A practical guide

A must read if you are considering buying in 2018

globalnews.ca What the stress test mean for Canadians getting, renewing or refinancing a mortgage next year.

Elaine Carter - Renewing Or Refinancing

http://www.mortgagealliance.com/ElaineCarter/renewing-refinancing

mortgagealliance.com Renew your mortgage and get the best rate & terms possible or refinance to unlock equity.

Elaine Carter - Use Equity To Save Money

UNLOCK THE EQUITY IN YOUR HOME, ASK ME HOW TO MAKE YOUR HOME WORK FOR YOU INSTEAD OF YOU WORKING FOR YOUR HOME.

mortgagealliance.com

OSFI is reinforcing a strong and prudent regulatory regime for residential mortgage underwriting

MORE CHANGES, CONTACT ME FOR DETAILS.

osfi-bsif.gc.ca Today the Office of the Superintendent of Financial Institutions Canada (OSFI) published the final version of Guideline B-20 − Residential Mortgage Underwriting Practices and Procedures. The revised Guideline, which comes into effect on January 1, 2018, applies to all federally regulated financial i...

theglobeandmail.com

First-time home buyers: Finding the best mortgage

Low Rate is not always the best deal............

theglobeandmail.com Many first-time home buyers find a realtor, search for a condo they think they can afford and then celebrate once the offer is accepted

theglobeandmail.com

Mortgage rule change hits first-time buyers the hardest

New Rules Explained

theglobeandmail.com A change in mortgage rules made by the federal government last October has made buying a home a bit trickier...

theglobeandmail.com

10 tips for home buyers seeking a mortgage

Great Article!

theglobeandmail.com Handy mortgage tips to consider before taking one on

Mortgage Alliance / Elaine Carter's cover photo

Photos from Mortgage Alliance / Elaine Carter's post

BANK DECLINED YOU ?

Ive helped clients for 25+ years get approved. Let me help you .

Need a little extra money?

Whether you are consolidating high interest debts, planning your dream wedding, taking that long awaited vacation or helping a child out with tuition fees, I can help. I can assist you with obtaining a personal loan anywhere from $5,000 up to $35,000.

Choose the rate & features you want!

Since Right Mortgage® launched in 2007, thousands of Canadians have helped it become a great success. Right Mortgage® is unlike any other mortgage transaction. It’s completely customer-focused and it should be.

You can save thousands of dollars over the course of your mortgage term and the flexibility you are looking for. I commit to stay in touch should your circumstances change I’ll be there to help.

Looking to own your own home?

I help first time buyer’s move into their dream home easier by bundling your closing costs within your mortgage.

Bundling your closing costs within your mortgage saves you cash and makes it easy.
Contact me for details.

Pay less interest...
With a mortgage for customers who understand that paying the least amount of interest over the term of your mortgage is more important than the rate.

Canadians have shown the world that our traditional values and conservatism when it comes to our financial behavior is the better way. Contact me and start building equity faster!

mortgagealliance.com

Elaine Carter - Suite of Credit Cards

http://www.mortgagealliance.com/ElaineCarter/MasterCard

NEED A SECURED CARD TO RE ESTABLISH YOUR CREDIT?

REWARDS CARDS, LOW RATE CARDS, WE HAVE THEM ALL

mortgagealliance.com

cp24.com

Ontario to tax foreign buyers, expand rent control to cool housing market

http://www.cp24.com/news/ontario-to-tax-foreign-buyers-expand-rent-control-to-cool-housing-market-1.3376589

cp24.com Ontario plans to help cool a hot housing market by bringing in a 15-per-cent foreign buyer tax, expanding rent control, allowing Toronto to impose a tax on vacant homes and using surplus lands for affordable housing.

[04/10/17]   I can show you how to pay off your mortgage YEARS faster and save $1,000's of interest payments WITHOUT SPENDING ANY MORE THAN YOU DO NOW.

30 MINUTE APPOINTMENT APPOINTMENT IS ALL IS TAKES.

MILLENNIALS: Hoping to buy a house someday but don't have the income to save for the down payment? Too much school debt? No jobs in your field or pay is too low?

Are you willing to give me a half hour of your time to show you how I can help you get that down payment ? Get out of debt?

Connect with me and lets chat. Call, text , inbox or email me.

Not all mortgages are calculated the same way. If you shop only by interest rate you could be paying $1,000's more in interest than you realize. It pays to use a broker.

Download my free app at www.mortgagealliance.com/elainecarter

No one wants to hear they have been declined.

It is not hopeless but before you go from bank to bank and damage your credit, contact me. With one application and one credit bureau I can shop over 60 Banks, Trust companies and private lenders to get the job done for you.

I THINK OUTSIDE THE BOX. Let me help you .

www.mortgagealliance.com/elainecarter or download my free app from my website .

Funds available to help you buy that home you dream of.

Contact me today and lets get you moving.

I Can Help! Since 1992 I've helped countless individuals and families restructure their debts , pay off high interest, save $1,000's in payments.

Contact me today and lift that black cloud off your shoulders, breather easier, sleep better and reduce stress.

What makes more sense?

1 lender or 60 lenders with 1 application?

Save time, frustration, your credit score and get the best rate....
USE A BROKER !

Brokers work on commission so they work hard to please our customers to earn your business and referrals.

We come to you based on YOUR schedule, not ours.

[02/09/17]   BUYER BEWARE:

Don't be fooled into a false sense of security just because you received an approval from a bank or other lender. After you get the approval you MUST prove your income, down payment, identity and the ability to pay the monthly expenses. Should your situation change before the closing date the lender can revoke the approval.

Do not sign off condition of financing unless all the lenders conditions have been met and satisfied. As a broker the lender will tell us that all conditions have been met. But again if something changes even after that you could find yourself without financing so be very careful of what you do prior to closing.

DO NOT INCREASE YOUR DEBT PRIOR TO CLOSING.

Always make at least the minimum payment on all your debts and more if possible. Late or missed payments will decrease your credit score and could cause you to loose the approval.

Lenders will access a new credit report up to the day before closing and if they find you have increased your debt it may put you over the maximum allowable limits and could void your approval.

If your job situation changes for the worse that can void the approval if your income was needed for the new mortgage.

It is crucial to be upfront and transparent with your broker right from the start and through the process to ensure proper financing is obtained.

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Address


115 Nebo Road Ste 202
Hamilton, ON
L8W 2E1
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Wes Pauls - Mortgage Teacher Wes Pauls - Mortgage Teacher
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Brandon Woodward Mortgage Team Brandon Woodward Mortgage Team
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Sara Squeo - Verico Best Mortgage Loans Sara Squeo - Verico Best Mortgage Loans
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My Hamilton Real Estate My Hamilton Real Estate
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Kaz Simaitis - Hamilton Mortgage Agent Kaz Simaitis - Hamilton Mortgage Agent
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