I'm a licensed mortgage broker and an independent insurance and investment advisor, which means I see the bigger financial picture and can help you with all of your financial planning needs.
In today's complex world of finances, it really does take a team, that's why I spend a lot of my time handling mortgage transactions, while using my many years of business and financial experience to make suggestions to my clients, and then introducing them to the right people.Second to that, although my name is actually spelled Ric Lazare, without the k, you might not have known that either.
In today's complex world of finances, it really does take a team, that's why I spend a lot of my time handling mortgage transactions, while using my many years of business and financial experience to make suggestions to my clients, and then introducing them to the right people.Second to that, although my name is actually spelled Ric Lazare, without the k, you might not have known that either.
Services
When it comes to applying for commercial mortgages, the process can greatly differ from a residential mortgage. Clients who come to me for advice on purchasing commercial properties in Kelowna are often confused by down payment and property income requirements. Banks and private lenders employ several firm requirements when analyzing commercial mortgage applications - making these types of mortgages difficult to secure.
Before you start the Kelowna house hunting process, there's one essential step to save you time and make it a lot smoother. Get pre-approved for a mortgage now. Don't wait until you find your dream home to start the process or you could lose out. In the last couple years, Kelowna has been a hot seller's market.
A 2011 survey found that almost two out of three Canadians stayed with their current mortgage provider and didn't bother to negotiate when renewing or switching their mortgage. Life gets busy, maturity dates come and go, and mortgages are simply not on people's minds. Let's be honest, we don't generally talk about our mortgages on a daily, monthly or even yearly basis.
If you've been feeling like you're stuck on a fast moving financial treadmill, debt consolidation may be the perfect way to step off and actually move forward by paying down principle. Refinancing your Kelowna home mortgage is an option to access "cheaper" money.
Low-interest money built into your mortgage can be used to pay off those pesky high-interest credit cards, lower monthly payments on another debt or take care of much-needed home improvements.Consolidating debt into your Kelowna mortgage will terminate your existing contract with your lender and you'll be entering into a new mortgage agreement.
Low-interest money built into your mortgage can be used to pay off those pesky high-interest credit cards, lower monthly payments on another debt or take care of much-needed home improvements.Consolidating debt into your Kelowna mortgage will terminate your existing contract with your lender and you'll be entering into a new mortgage agreement.
If you've owned your Kelowna home for any length of time, equity is built up and this equity could be one of the most cost-effective ways to borrow the money needed for renovations, a child's college tuition, or an unexpected expense. A Kelowna home equity loan works much like a line of credit and will come with many benefits such as low-interest rates, flexibility, no fixed monthly payments, plus you can repay and draw money again if needed.
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