Mortgage Services in the Province of British Columbia and Alberta
At Mortgage Options, we provide full-service lending guidance and personalized mortgage services to help you achieve your homeownership goals with confidence. Proudly serving British Columbia and Alberta. As proud member of Dominion Macklem Mortgages "we work for you – not the lenders."
MEET DOMINION MACKLEM MORTGAGES:
Dominion Macklem Mortgages has access to more than 60 lending institutions; this includes big banks, credit unions and trust companies. Our licensed team of mortgage professionals is familiar with many mortgage products – ranging from first-time home buyer programs, financing for the self-employed and financing for those with credit blemishes."
"The best part of working with Dominion Macklem Mortgages is that we work for you – not the lenders – to ensure you receive the best rates and products available in today’s marketplace.
Whether you’re looking to purchase your very first home, renew your existing mortgage, or refinance your mortgage to free up some equity, we have a variety of products available to meet your unique needs."
Home Purchase Mortgages
"When you buy a home, you have to pay for upfront costs in addition to your mortgage. Upfront or closing costs are one-time fees that you have to pay when you buy a home. You usually pay these costs by the time the sale is completed. Examples include home inspection fees, legal fees, property tax adjustments and title insurance. Be prepared to spend between 1.5% and 4% of the home’s purchase price on these costs." www.canada.ca
Mortgage Refinancing
Refinancing is when you replace your current mortgage with a new one at a lower rate, different or the same term and amortization period. Most people refinance their property to consolidate debt into one manageable payment, withdraw monies to renovate or needing capital to purchase investment property.
First time Home Buyer
- No ownership of property in the last four years: You must not have owned a home, either personally or jointly, in the past four years.
- Buying a primary residence: The property must be your principal place of residence, not a rental or investment property.
There are Federal and Provincial Programs to help First Time Home Buyers we would be honoured to walk you through the process.
Reverse Mortgages
- Homeowners age 55 or older
- Access to Capital
- No monthly mortgage payments
- Tax-free money
- Retain full ownership of your home
- Repayment of the loan required once you move or sell the property.
Mortgage Calculator
