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One of the easiest ways to buy a home
is through a home loan mortgage company.

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Home mortgages have been popular for so many years because they represent an efficient and fast way of getting access to the funds you need to buy your dream home. Whether you are part of the first-time home buyers group or not, you can still benefit from amazing perks when deciding to get a mortgage; perks you have access to if you work with real professionals that have your best interest in mind.

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Rampone-Marsh Mortgages can offer you a wide range of solutions for your needs and services tailored to your desires.

Find out how you can get self-employed mortgages, how to access the purchase plus an improvement mortgage program and much more! We will find the best mortgage products on the Canadian market and deliver ideal and efficient solutions to you!

There are various types of home mortgages that make it possible for you to get what you want, even if money seemed to be a problem at first.

You have to keep in mind that a house is a long-term commitment, and you will have to live with the consequences of your decision every time to walk through your door. Instead of settling for a house you don’t really want, dream big and get your ideal house through a home mortgage loan. With our assistance, you will get the best home mortgages loan rates in Kelowna, BC and a home that will delight you and enhance your lifestyle every single day.

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The greatest benefit of a 100% financing loan is that there is no down payment involved.

You get the full value of your house in cash without additional costs! There are, of course, conditions to be met if you want to get approved for this type of loan. The most important is to have a good debt record (that means no late payments on any loans and mortgages and no bankruptcy in the last 7 years). Also, you should have at least 2 years in the same line of work and 6 months within your company.

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Did you know that you can get up to 100% financing loans for your home?
We do! Because it is our job to find the best offers for you in a competitive market and provide you with the best Kelowna mortgage rates and home values.

First-Time Home Buyers

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For first-time home buyers, it can be difficult to raise the money to afford the home they want. But there are fantastic first home buyer programs in Canada, and we can select the most convenient for you. We offer you customized solutions for your needs so that you don’t have to pay more for your loan on a monthly basis than you would have paid the rent. The difference is that the house remains yours at the end of the loan, while in case of renting, at the end of your contract with the landlord you get nothing.

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Our home mortgage brokers are here to assist you with your needs and make sure that you get the best deal.

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Applying for a mortgage shouldn’t be hard or confusing,
let’s break this down and make it simple for you!

What are Fixed and Variable rates?

In a Fixed Rate Mortgage, the interest rate is fixed for a specific amount of time. This period of time (the mortgage term) can range anywhere from 6 months to 10 years. Over the course of the mortgage, less of the payment counts toward interest and more toward the principal.

A Variable Rate Mortgage is one in which your interest rate will fluctuate with the Bank of Canada’s prime lending rate.. When rates go up, a larger portion of the payment goes toward interest. When rates go down, more of the payment goes toward principal.

How much should I consider spending on a home?

Most mortgage lenders allow you to spend no more than 32% of your monthly income on your mortgage, and newer guidelines allow up to 44% of your monthly income for mortgage payments and other debt payments. Our mortgage calculators can help you determine your affordability.

How long does the mortgage process normally take?

If we are able to get the necessary documentation, we might be able to get an approval in as little as 24 hours. Keep in mind, the longer it takes for us to receive your documents the longer your approval will take to secure. Take a look at our mortgage checklist, for a summary of what you’ll likely need to provide.

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You guys, rock!

Thank you.

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Here’s some more on Home Mortgages!

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Yeaaaaah mortgage!

There are other fantastic home mortgage products Rampone-Marsh can provide you with: second mortgages if you want to buy a second property, third mortgages and many more.

Just contact us, tell us what you need and we will deliver.

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