U.S Mortgages for Canadians

Preparing your documents in advance will save you time and trouble once you've started the pre-approval process! Here's what you'll need – once you have it all ready, send me a message so we can get started!

https://myoc.io/Orbis

Why pay off someone else's mortgage when you could be investing in your own future? Owning a home means building your own wealth and equity.

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Use your home equity to pay down your student loan debt! If you're interested in learning more about a cash-out refinance or to see if you qualify, give me a call.

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There are many options for loan programs that are geared to help you get into a home with less than 20% down. Call me to learn more today!

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If you or someone you know is considering a VA Loan, I'm here to help. Let's connect and get all your questions answered today. It's an opportunity you don't want to miss!"

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This is a reminder to take one step toward your goal today. Want help setting achievable financial goals to secure your future? Send me a message – I'm here to help.

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A low debt-to-income (DTI) ratio demonstrates a good balance between your debt and income. The lower your DTI ratio, the better your chances are for getting approved for the loan you want.

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Making your credit card payments on time will help keep your credit score up.

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As a loan officer, I can't stress enough the importance of budgeting before you start your home search. It's crucial to know what you can afford comfortably. A helpful guideline is to allocate no more than 28% of your gross monthly income to housing costs. This includes your mortgage and other related expenses. Additionally, aim to keep your total debts - that's your mortgage, credit cards, and any other loans - under 36% of your income. This approach ensures you find a home that fits your financial comfort zone."

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Before you apply for a mortgage, it's important to check your credit reports and scores. Lenders use these reports to determine if they will loan you money, and at what interest rate.

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Here are a few things you'll want to gather in preparation for your pre-approval.

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The amount of debt that you owe is an important part of your credit. Keep track of your debt and credit utilization.

When faced with a daunting task, you may find yourself overwhelmed – but the longer you leave it off, the harder it gets. The most important step is getting started, so if you want to buy a house, the best first step is to set a budget. Once you get over that initial hurdle, you'll start building momentum in order to reach your goal.

https://myoc.io/Orbis

Getting pre-approved may be the game-changer that helps you secure your dream home. Give me a call to get started!

https://myoc.io/Orbis

VA loans are guaranteed by the Department of Veteran Affairs. They are available for qualified U.S Armed Forces Veterans, Active Duty Service Members, and surviving spouses. Here are a few benefits of VA Loans...

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Stop waiting for the right time, or the right person, or for permission, or until you feel ready. Stop making excuses.

I can help you turn your dreams into a reality! Lets explore your loan options if you are considering a vacation home.

Unlock lower interest rates with discount points – a smart, upfront investment that can save you significantly over the life of your loan. Let's talk about how this option can benefit your mortgage plan.

https://myoc.io/Orbis

Think of an escrow account as a hassle-free way to manage your taxes and insurance. Part of your monthly mortgage payment goes into this account, ensuring your taxes and insurance are paid on time, without any extra effort from you. Ready to simplify your homeownership journey? Let's do it together.

https://myoc.io/Orbis

For the parents (and educators) of kids that face behavioral challenges, here are all of our available online resources, including some that are free.

Available online courses:

- Parenting Neurodiversity (and Autistic) Children
- Tantrum Toolkit
- Overview of ABA

Please help spread the word, we are trying to get the word out so that we can help as many people as possible

Online Resources for Parents of Neurodivergent (and Autistic) Children Discover our online courses and resources, designed for parents and educators of neurodivergent and autistic children. Here you will find online classes as well as free resources for you and your child.

https://chng.it/bXvKZ4ZNVn

Defend Ethics in Academia: Stop Promotion of Violence Through 'Hate Speech' at Yale 17,580 signatures are needed, let’s get there by the end of the day?

This is the way to show no fear and to share the truth.

We are not afraid.

Please share.

Episode 39: Julie Lauren - Israel and Jewish Survival Meet the incredible Julie Lauren, host of the podcast Hashtag No Filter. This podcast was recorded 2 days before national call to Jihad against Jews worldwid...

https://x.com/disclosetv/status/1701682459467788557?s=46.

Get your masks ready. Ironic that the podcast I released today talks about masking and lockdown. Melissa Lantsmanmade her and the conservatives potition very clear.

Disclose.tv on X NEW - Canada's chief public health officer Theresa Tam thinks "now is the time to get your mask ready."

This is the future of Canada. I had the pleasure to speak with Canada’s future deputy Prime Minister Melissa Lantsman. In a very candid conversation, she outlines her and Pierre Poilievre ‘s plan to undue the damage of the Trudeau government. Enjoy.

https://open.spotify.com/episode/2Gvdbz4dIXitMQBD7gwyZR?si=Ub3cEr0eRouo8TApit022A

The Knowledge Base Parent Courses Each neurodivergent child deserves a future filled with boundless possibilities. That future begins at home, with you—the parent.Within these virtual walls, you'll discover a wealth of resources from Frances Fishman and The Play Base team, tailored to assist adults in nurturing children confrontin...