Real Mortgage Associates

At RMA, we have established criteria for the performance of our senior mortgage agents that most in the industry consider as the pinnacle of professional conduct. Quick responses to your mortgage needs, complete explanations of mortgage details and structuring a complicated financing package are all part of the home financing transaction of today.

Business development requires various kinds of investments. Be it buying equipment to enhance your production, or a vehicle for efficient transportation, or even various fixed assets. We understand that your business may require financing for your long-term business goals, and therefore we offer commercial loans with flexible repayment terms and competitive fixed or variable interest rates.

There are many homes offered for sale in Ontario that have great potential but are in need of repairs or renovations. These homes are generally sold at prices that represent excellent value. While the value of these homes is attractive, financing the necessary work has often been difficult.

Wouldn't it be nice if it were possible to buy that "fixer-upper" at a great price, immediately have it renovated into your dream home, and do it all with one manageable mortgage, and a minimum down payment?Well, it's possible with a CMHC "Purchase Plus Improvements" mortgage. Now you can purchase a home, renovate it the way you like and pay for it all in one mortgage payment at first mortgage rates.

There are many reasons why you might want to refinance, or increase, your existing mortgage - to consolidate non-mortgage debt, to finance improvements to your home, kids college tuition or investing for retirement. There are many factors to consider when refinancing your mortgage. Most unsecured debt is priced by your bank at a higher rate than your mortgage in order to compensate them for the higher risk of loss if you default.

Renewing your mortgage is as important a financial decision as selecting your first one. While renewing your mortgage, you are in a stronger financial position as compared to where you were before. Your home equity grows over a period of time and by decreasing your principal loan balance, you are in a good position to negotiate.