Volume 6 Issue 2 February 2012 Bernadette Laxamana & Team’s Home Newsletter Welcome to the February Edition of our Newsletter! Don’t forget to spend some special time with your loved ones this Valentine’s Day. Enjoy! -Bernadette, Charen & Leonor IN THIS ISSUE: Living for today, saving for tomorrow The legend of St. Valentine 4 [...]...
Volume 6 Issue 1 January 2012 Bernadette Laxamana & Team’s Home Newsletter Happy New Year and Welcome to the January Edition of our Newsletter! This month we have some tips for first-time home buyers, some home improvements ideas for 2012 and some basic budgeting tips for your family. Enjoy! -Bernadette, Charen & Leonor IN [...]...
New Office Hours of Operation October 18, 2011 Great news! Over the past few months, we have been asking you how we can improve our service and commitment to you our valued clients and referral partners. We’ve listened and are pleased to announce that our team will soon be available later in the day [...]...
Testimonials
Here’s what some of our valued clients are saying about us!
“You are my inspiration and my guide to improve my financial future. It’s hard to manage our mortgage without hardwork and sacrifice. Thank you for helping me reduce my amortization from 35 years to 21 years and I am still saving towards my dream home. I already have 4% saved of my own money without including my RRSP savings and my home equity. I really thank you for being my mortgage broker. I know I am going to reach my goals with your help.”-Joey from Surrey, BC
“Thank you so much for helping us. we are so satisfied with your excellent service & performance, and I won’t hesitate to recommend your service to all my friends & relatives. thank you again & good luck.”-Rosalie & Nestor from Surrey, BC
“(Bernadette) presented options clearly making it easy to understand what would work best for me. (Bernadette) Gave me checklists to follow to ensure transactions could be completed quickly and accurately.”-Sandra from Coquitlam, BC
“… if I hear of someone requiring a mortgage broker, I’d recommend Bernadette without hesitation. (She) explained things very well. Took care of all the details and made the entire process go very smoothly.” - Sean from Richmond, BC.
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Services
At M&B Mortgage Solutions we understand that each individual mortgage and lending situation is unique. Having serviced over 1000 happy clients has shown us each client has different needs; and we aim to fulfill each one of those.
We believe that every individual should have the opportunity to own their own home, or be eligible for a mortgage. Our team of mortgage experts are readily available to answer any one of your questions and speak with you about your future mortgage! Take a look at some of the unique services we offer:
Self Employed Financing
We offer special program for individual that are self employed and have a challenge in verifying past income. Using Self Employed Financing, a person who is self employed with some records or no records of their previous income can be eligible for a mortgage.
We can provide you with information on:
How to verify income and meet eligibility requirements for a mortgage
How to use your credit score to be approved for a mortgage
Attaining financing for up to 95% of your purchase
Zero Downpayment Mortgage
There are great programs available for clients that are not able to provide a down payment for their mortgage.
This service will allow you to:
Secure a mortgage with no downpayment
Get 100% financing from a bank
Keep a low interest rate for reasonable monthly payment
Equity Lending
We understand that everyone makes mistakes! We have a variety of packages and individual help for clients that have had past issues with:
Bad Debt
Low Credit Scores
Income verification and confirmation
Let us at M&B Mortgage Solutions show you how to deal with lenders by using the equity you have built up in your current home, and attain financing that wouldn’t be otherwise available!
Line of Credits
Some individual like to have the flexibility of utilizing the equity in their home for other purposes like renovations, and personal usage.
A Line of Credit for your home will allow you to:
Have a flexible payment option with your mortgage
Withdraw funds at your own convenience
Use your mortgage Line of Credit for personal use
Newcomers to Canada
We all know the difficulties a person can face when coming to Canada from another country and believe home ownership is a privilege every hard working person deserves.
We can help Newcomers to Canada with:
Attaining financing whether or not you are a permanent or non-permanent residence
Verifying immigration status and job confirmation
A personalized plan to ensure payments are made on time and reasonable to income
Cash Back Financing
Everyone loves to be able to gain some liquid cash when attaining a new mortgage for renovations or a rainy day fund. We can provide you financing with an option of getting as much as 7% cash back just for taking out a new mortgage or transferring an existing mortgage.
