Go ahead a buy your first home - it's easy to do with Mortgage Diligent (FSCO #10252) . Being a first time home buyer with a purchase mortgage loan, is as easy as 1, 2...4!

• Apply Online for your new mortgage loan
• Talk to a broker here about what mortgage loan options you have
• Let a broker here get you locked into the lowest rate you can find
• Go shop for your new home, with your mortgage loan already in place, or close the deal on the home you've already picked out with your new mortgage loan

Want more info? Talk to one of The Mortgage Diligent (FSCO #10252)  consultant by using the Application form, or by calling them . They can answer all your questions about being a first-time home buyer with a purchase mortgage loan.

Benefits of buying your first home with a purchase mortgage loan:

There's a ton of benefits to buying your first home with  MortgageDiligent  , Here's some of them:

• You can get mortgage payments on your new purchase mortgage loan that can be equal to or even lower than your current rent payments
• You can stop wasting money by chucking it away on rent or lease payments, and instead, wisely invest your money into buying and owning your own home

Did you know you can get away with not making any down payment at all, when buying your first home with a purchase loan from Mortgage Dilgent  Talk to one of the Consultant  here today, about making 'no down payment at all' or 'making as small as down payment as possible

Buy rental property with home purchase mortgages

Buy new rental property with a purchase mortgage loan from  Mortgage Diligent (FSCO #10252)  , and earn money!

When you purchase a rental property with a mortgage loan, you can rent or lease it out right away at a price that will cover or exceed your mortgage loan payments and maintenance costs.

And then, watch your tenants pay off your purchase mortgage loan for you. You'll become a property owner and a money-maker without having to make any mortgage loan payments at all. Perfect, isn't it?

Benefits of buying a rental property with a purchase mortgage loan from  Mortgage Diligent (FSCO #10252)

By using a purchase mortgage loan to buy rental properties, you can make wise property investments for your children. Are they little, or unborn? Renting out a home property now means it will be paid off by your tenants by the time your child is grown. Then they can have a home to move into, or a way of making income while they start education or work.

Do you have college or university bound children? Why not get a home for your child and other students to live in while they study? Use a purchase mortgage-loan to buy a rental property, and the students living with your child will help pay off your property speedily, and in the end you'll own it.

Looking to retire someday? Having income from a home or multi-residential property can be a perfect way to retire in comfort. Use a purchase loan to get rental property now, in order to have your tenants pay off your property by your retirement. When you're finally retired, you'll be making pure and ongoing profit.

Apply for a home Mortgage  now! Fill out the home mortgage application.

Get more free info! Just call one of Mortgage Diligent (FSCO #10252) Consultant  at 905-670-3277 / 1-866-670-3701 ( Toll Free )

Purchase

If you are looking to buy or sell make sure you call  Mortgage Diligent (FSCO #10252)  for all of your financial needs.

Mortgage financing has become very complex with constantly changing rates, terms and challenging conditions.  Choosing the mortgage best suited to your circumstances has never been more difficult.  Banks, trust and insurance companies are continually inventing new mortgage products to capture your attention, and hopefully your business.  In addition, ensuring that you get the best possible rate and product depends on aggressively shopping the mortgage marketplace.  Often a mortgage lender’s posted rate may not be the best rate available.  You may be able to qualify for a lower rate, but not know it.

To maximize the benefits to you, you may want to consider enlisting the services of a  Mortgage Dilligent consultant.  We negotiate with major financial institutions, chartered banks, trust and insurance companies, Canada Mortgage and Housing Corporation, Genworth and others to bring our clients the most competitive mortgage rates and terms.  Mortgage Diligent (FSCO #10252)  will usually earn a commission or fee from the lender* for all the work, advertising and promotion done on their behalf.  Our professional services are provided, in most cases, at no cost to you.  We are constantly updated on rate changes and new products being introduced in the market.  As our client, you can choose from the widest range of options, obtain the most competitive rate and best product suited to your specific needs.  An extensive network of financial institutions has enabled many of our clients to obtain savings of up to 1.50% below posted lender rates.

What lenders look for: Good credit improves your mortgage negotiations

Contrary to what you may think, you don’t manage your credit applications and payments in a vacuum. Your credit behaviour (as some have learned the hard way) is tracked by credit bureaus such as Equifax Canada and TransUnion of Canada. This information is tabulated, and then you are assigned a credit rating. It’s important for you to maintain as high a rating as possible. The following information shows you how you can be sure to earn a good score, and why it’s so important to do so.

Lenders have access to this information. Think about it. When you decide to apply for a mortgage for a home purchase, or a hefty loan for home renovation – don’t you want A+ right up there beside your good name?

Your good name is really what’s it’s all about. In the financial world, your credit profile is your reputation. If you have a good record, it means smooth sailing ahead for you. If your record isn’t all it should be, you might be in for a bit of rough weather when it comes to acquiring the monies you need -- at the interest rates you want.

Your payment history -- especially of credit card debt -- is one of the most important factors considered when your score is being tabulated. Any missed, late, or neglected payments are duly noted. Not only does a prompt payment history buff your credit image -- it saves you money in interest, and assures a quicker retiring of that debt too.

Timeliness of payments, actual amount of payments, the state of your credit card balances versus credit available, the number of cards you own, the frequency of your requests for more credit – these are just some of the tidbits of personal financial information that make up your credit profile. This comprehensive history is compiled to show lenders how reliable a debt risk you are. To put it simply – they want to know whether or not you are credit worthy.

Your credit score is established with a mathematical formula. Various factors are weighed and balanced and given a certain percentage value towards your final score. Credit bureaus also take into consideration -- in addition to factors already mentioned -- your existing debt burden, your actual and potential income (remember you do give out these details when you apply for credit), your debt to income ratio, your past financial problems (any bankruptcy or foreclosure remains a long time on record), your job stability – essentially any piece of public information that helps build an accurate as possible risk assessment of you as debtor.

Your credit rating is a fluid and an ever-changing thing, dependent upon your present financial circumstances and any actions you make. The credit bureaus always follow your money trail. Because the formation of your profile is an on going thing, it’s vital for you to consistently practice reliable and responsible debt handling. The good news? The ever-changing quality of your credit rating allows you to continually aim for a higher score. Think of your rating -- not as a burden -- but as a challenge and an opportunity.

Infrequent requests for additional credit? That’s a really good sign to a lender. Keep in mind that mortgage and loan shopping won’t impact you negatively if it’s done in a concentrated time period. The credit bureaus interpret this flurry of activity positively -- as long as it doesn’t occur too frequently. You want to look savvy, not desperate.

How much plastic is too much? Too many credit cards red flag you to potential lenders. Limit your cards to three or four, and try to maintain long-time use of at least one card. This is a key way to build up an excellent credit history. The amount of credit you use, versus credit available, is really telling too. Keep your balances low.

It’s your right to pull up your credit report profile and it’s in your interest to do so. (You can do this online at www.equifax.com). Experts advise you to check it out at least once a year. Doing so gives you the opportunity to correct any errors or misinformation that may be there. Practice reliable and responsible debt management. Then, when you do actually need money for a major undertaking (like the purchase of a home), your credit rating will be an asset, not a liability.