Put yourself in a position of strength when you are negotiating for that
dream home. Know exactly how much you are able to afford based on your
personal financial picture and have the confidence to be able to purchase
the home you desire.
There are literally thousands of options when it comes to mortgages: open
to closed, fixed to variable, re-advancing to interest only. Our mortgage
professionals are able to assist you in wading through the options, providing
you with the information you need to make an informed decision on what
works best for you financially
not the bank!
When does it make sense to add a second mortgage? How much should you
entertain and for how long? There are a number of great solutions with
second mortgages, but this can be a tricky decision, and a mistake could
cost you thousands.
The time has finally come to make the lenders sharpen their pencils and
save you money! When your mortgage is four months away from renewal, find
out the rates from your current lender or bank and ask our agents to better
those rates! As long as you are open to having your mortgage moved from
one lender to another, our agents will canvass the market for a better
deal for you.
Debt Consolidation Financing:
Feeling the squeeze every month, and getting tired of living pay check
to pay check? Allow our firm to run some scenarios for you to illustrate
how we can improve your monthly cash flow to free up some dollars to do
other things in life. Dollars that can be used for renovations, holidays,
investment or even just taking a holiday!
Home Equity Line of Credits:
Not all home equity line of credits are equal. What options do they provide,
the flexibility they offer and even the conversion rates. Some key elements
which play a big part in determining which home equity line works best
Ideal product for homeowners over 60 and would like access to the money that is
tied up but do not wish to have a monthly payment. Reverse Mortgages are available
on primary residences as well as recreational properties. Funds through Reverse Mortgages
can be used for any reason. For example
early gifts to family, renovations to the
property or simply to enjoy travelling. There are no restrictions or limitations on how
to use the money and you maintain control of ownership of your house.
Tremendous opportunity to diversify your investment strategy, but it also
presents some unique challenges which you need to be aware of and prepared
for. Our professionals are able to offer a number of options on the financing
of rentals regardless of investors having a large sum available for down
payment or even very little.
The opportunity to purchase and enjoy your very own recreational property
has never been easier. With programs tailored specifically for this market,
allowing as little as 5% down payment. Where would you like to buy?
While Brayco does not provide for mortgage insurance or life insurance,
our professionals have a team in place of specialized independent insurance
representatives available to assist you with the correct coverage for
Brayco has been fortunate to be able to position with some of the
top financial planners available, offering their services to our clientele.
Speak with your professional about whether these planners would be of
benefit to you.
Realtors are a vital source for providing data in guiding you to making
a smart purchase, the timing and ensuring you're not overpaying. Every
one of our professionals has in place realtors that also hold the same
standards and ethics as our firm, which we are very comfortable in recommending.
Speak with your professional on who they would recommend help you in all
of your real estate needs.
Naturally, we work closely with a large number of lawyers and find a variance
in the pricing and services offered between firms. Who does the lawyer
represent and what happens in the unlikely event of conflict? Our professionals
will be able to provide some options on lawyers we recommend.