Friday, March 27, 2020

Reason #1 To Use Mortgages with Hannah:
Get Independent Advice On Your Financial Options

As an independent mortgage agent, I am not tied to any one lender or range of products. My goal is to help you successfully finance your home or investment property.

What Does The Process Look Like?

I’ll start by getting to know you and your home ownership goals. Then I will speak with my 20+ lenders to find you some options, and come back to you with a recommendation that matches your needs.

What Do I Do?

You complete the mortgage application once, you submit your supporting documents once, you tell your story once, you share your goals once, and I pull your credit once. Then you go back to work while I shop!

The Bottom Line?

Gone are the days when you go lender to lender to lender and shop around, repeating your story and having your credit pulled multiple times. My job is to give you access to the best mortgage products, while making the process easy for you.

Gone are the days when the financial advisor sells you on the only product they have access to. With 20+ lenders and over 100 products, and terms you truly are getting the best mortgage for your short and long term goals.

What are you waiting for? Reach out today and see how easy your next mortgage can be.

​Hannah Stojanovski, Mortgage Agent License # M08008004
Capital Lending Centre License # 12830
Office: (289) 608-7185
305 - 230 Westney Rd S, Ajax ON L1S 7J5

Wednesday, March 18, 2020

What Does A Buyer Agent Do, And Why Do You Need One?

This month we have some very valuable information to share with you from our guest blogger, read on to learn more!

Buying a home is one of the biggest financial investments you will make in your lifetime. Why go it alone? Hiring your own Buyer Agent simplifies the whole process. Your agent will help you focus on finding exactly what you are looking for, narrowing down the area, style and type of home, along with identifying the “must-have”, the “nice-to-have” and the “definitely not this” features for your future home.

There are also some compelling legal and financial reasons why it makes sense to work with a Buyer Agent. Your Buyer Agent is legally bound to represent you, while a Listing Agent has a fiduciary duty to represent their home seller. Think about it this way...if you were being sued, would you hire the same attorney as the person who is suing you? Of course you wouldn't. You need someone who will diligently fight for your best interests.

What if you went to an open house and decided to share with the Listing Agent that you love the home and want to buy it? Perhaps you also share that you only have two months left on your lease and need to move soon. That agent is obligated to share this information with the Seller, which will give you a lot less negotiating power on price. Tell your Buyer Agent this…and it stays confidential. Your Buyer Agent will be better able to negotiate on your behalf, saving you time, money and disappointment.

While you may be hoping to pay the lowest price possible, the Listing Agent and their Seller have a goal to sell for the highest price possible. So, how will you know if you’re paying fair market value? Or better yet, buying below market value? By working with a Buyer Agent who is there to represent you. And the best part? Our services are at no cost to you! Our brokerage fees are paid by the Seller.

As your Buyer Agent, we will guide you through the home-buying transaction and be ready to assist with any questions or concerns. We will find a home that meets your needs and wants, provide you with advice and information that allows you to make well informed decisions, and negotiate on your behalf to secure the best possible price and terms.

Our reputation depends on your satisfaction, and our greatest reward is your trust, repeat business and referrals. We promise to conduct business with the highest standards of integrity, honest and fairness and look forward to working with you to help make your home buying experience as stress-free and enjoyable as possible. Contact me to book a free, no-obligation consultation. I look forward to meeting you!

Sandy Gardner
BROKER | Senior Real Estate Specialist (SRES)
Royal LePage Connect Realty, Brokerage
Direct:  905.718.5936

Monday, March 16, 2020

Virtual Appointments Available!

Amid all of us doing our best to practice social distancing, we at Mortgages with Hannah have closed our office and our team is working from home, and we have temporarily cancelled all in person appointments. We care about the health and safety of our team, our clients, and our referral partners. That being said - we can do everything we need to do to secure you the best rate possible, virtually! Over a few short steps online, on the phone, and on DocuSign we could have your new mortgage closed in a matter of 3-4 weeks. Do you have some high interest debt that you've been meaning to review, or is your mortgage rate above 3%? Reach out today, we would be happy to give you a no strings attached opinion. 📧 ☎️ (289) 608-7185 💻