Residential mortgage financing made easy
I'll be your guide through the home buying process.
Purchase Your Dream Home with Confidence
At Cynthia Mortgages, we understand that buying a home is one of the most significant investments you will ever make. We are committed to guiding you through the entire purchasing process, ensuring that you secure a mortgage that aligns perfectly with your financial goals and lifestyle needs.
Our Home Purchase Services Include:
- First-Time Home Buyers: We make your first home purchase as straightforward and stress-free as possible. Our team will help you understand your options and guide you through the various programs available for first-time buyers, such as down payment assistance and tax benefits.
- Upgrading or Downsizing: Whether you’re looking to move into a larger home or downsize to something more manageable, we provide expert advice on how to best leverage your current property's equity towards your next purchase.
- Investment Properties: If you’re considering real estate as an investment, we offer specialized mortgage solutions that maximize your return on investment. From rental properties to vacation homes, we have the expertise to support your investment goals.
- Vacation Homes: Dreaming of a getaway spot? We can help you finance that perfect vacation home with competitive mortgage options that make relaxation just a little sweeter.
Get started right away
The best place to start is to connect with me directly. The mortgage process is personal. My commitment is to listen to all your needs, assess your financial situation, and provide you with a clear plan forward.
Get a clear plan
Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let me help cut through the noise. I'll outline the best mortgage products available, with your needs in mind.
Let me handle the details
When negotiating with the lender, I will handle everything for you. My commitment is to ensure you know exactly where you stand at all times. No surprises. I've got you covered.
Buy property with confidence
I'll take care of the financial details, so you can focus on finding the perfect home.
Resources to help you with mortgage financing on your home purchase
Should you get preapproved for a Mortgage?
If you’re thinking about buying a property, but you’re not sure where to start, you’ve come to the right place. Getting pre-approved is one of the first steps in your home buying journey.
An Overview of the Home Buying Process
If you’re planning to buy either your first home or your next home, let’s assess your creditworthiness, take a look at your income, plan for a down payment, and nail down exactly how much you can afford to borrow.
GDS/TDS Ratios Explained
One of the major qualifiers lenders look at when considering your application for mortgage financing is your debt service ratios. Learn more about how your gross debt service ratios (GDS) and total debt service ratios (TDS) impact your mortgage qualification.
How to Avoid an Accidental Home Purchase
Buying a property might be easier than you think. So, if you have NO desire AT ALL to qualify for a mortgage, here are some great steps you can take to ensure you don’t accidentally buy a property.
Getting a Mortgage While on Parental Leave
If you’ve thought now is the time to find a new property to accommodate your growing family, but you’re unsure how your parental leave will impact your ability to get a mortgage, learn more about parental leave and mortgage qualification here.
Understanding your Employment Status
If you’re looking to secure mortgage financing, understanding how lenders look at your employment is an important step in understanding mortgage qualification. Learn more about your employment status.
Learn more about how credit impacts a home purchase
Credit and Mortgage Financing
Credit is the ability of a customer to obtain goods or services before payment, based on the trust that you will make payments in the future. When you borrow money to buy a property, you’ll be required to prove that you have a good history of managing your credit.
How to Handle Missed Payments
If you’ve missed a payment on your credit card or line of credit and you’re wondering how to handle things and if this will impact your creditworthiness down the road, here’s the plan for you to follow.
Programs that help you buy a property
Using Your RRSP For a Home Purchase
Did you know there’s a government program that allows you to use your RRSP to help come up with your downpayment to buy a home? Learn more about the Home Buyer’s Plan.
What is a Cashback Mortgage?
A cashback mortgage is similar to a standard mortgage, except that you receive a lump sum of cash upon closing. Learn more about how a cashback mortgage works and if you qualify.
Purchase Plus Improvements
Did you know that if you can’t quite find a property to meet your needs, that you can include the cost of renovations into your mortgage? Learn more about purchase plus improvements here.
