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Understanding the Services Offered by Mortgage Lenders in Ajax

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Mortgage Lenders in Ajax

 
With house prices continuing to move higher and higher in Toronto, many homeowners are looking for more affordable housing in other areas of the Greater Toronto Area (GTA) with Ajax being a major area of interest.  The proximity of Ajax to Toronto offers a smaller commute for those working in Toronto while offering the benefits of a suburb including quietness and more affordable housing.
 
There are a number of mortgage lenders servicing Ajax and surrounding areas of the GTA.  The top mortgage lenders will provide a full range of mortgage services for both residential and commercial clients.  Examples of these services include the following:
  • Residential mortgages
  • Commercial mortgages
  • First and subsequent mortgages
  • Private mortgages
  • Debt consolidation
  • Mortgage refinancing
When most people think of mortgage lenders, they think of the big banks.  Today, there are many different types of mortgage lenders outside of the big banks that are dedicated to providing a range of mortgage services to help clients with all types of mortgage needs.
 

A Viable Mortgage Alternative to Big Banks

 
The top independent mortgage lenders have become a valuable alternative to the big banks by specializing in services that the big banks don’t offer.  Some of these services include successfully working with hard to place mortgages due to reasons such as bad credit or debt.  The same holds true for people who are self-employed and require a private mortgage.
 
The services go beyond providing mortgage options to clients with unique needs that go beyond what the big banks offer.  Independent mortgage lenders can often be one of the best options for anyone to find the most competitive mortgage rates on the market.  While most banks will offer a particular rate with little room for negotiation, the top independent lenders will have access to a network of lending sources to secure the lowest possible rates.
 

Other Important Services

 
Homeowners who have fallen behind in property tax or mortgage payments may not realize what type of options are available for financial recovery.  There are often options for a second mortgage, a home equity line of credit or refinancing the existing mortgage. These options can also be used to fund home improvements or to take advantage of investment opportunities.
 
Homeowners who are facing problems with debt may have the option to use the existing equity in the home to take out a home equity line of credit.  This line of credit can be used to consolidate different sources of debt into one convenient monthly payment.  This is especially useful for homeowners with debt sources that have higher interest rates such as credit cards.  As an added bonus, the one payment that results is often lower than the sum of the previous payments combined.
 
Homeowners can take advantage of mortgage refinancing to make the mortgage terms more favourable.  Refinancing can be used to do the following:
  • Change the interest rate (take advantage of a lower interest rate or change from variable to fixed rate)
  • Change the amortization period (longer terms lower payments, while shorter terms raise payments)
  • Pay off debt
Discover how reputable mortgage lenders in Ajax can find the perfect mortgage solution for your unique mortgage needs today.  Look for a mortgage lender who is also a CAAMP member to ensure the best service and experience.

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