Homeownership Solutions
Welcome to your journey of home ownership! At Gene Wesley Mortgages, we’re here to guide you every step of the way with personalized mortgage solutions tailored to your unique needs. Whether you’re a first-time buyer or looking to optimize your mortgage strategy, our team of friendly experts is ready to assist you.
The Benefits of Financing with Us.
- Complimentary Consultation: We evaluate your current circumstances and refinancing objectives.
- Rate Comparison: We use our network of lenders to identify the best options for you.
- Application Process: We assist you through a smooth and efficient application procedure.
- Underwriting: Our team collaborates with lenders to accelerate your application.
- Closing: We facilitate a seamless closing process and provide clear explanations of all documents.
Pre-qualification and Pre-Approval
When you’re curious, get a Mortgage Pre-qualification. Usually 10 self-answered questions will give you some idea of what you’ll qualify for if the information is accurate. When you are ready to shop you should get pre-approved. This signals realtors and sellers that you are serious, gives you an accurate budget and gives you confidence that the mortgage process will be smooth.
Ready to take the first step? Get pre-qualified in minutes or start your pre-approval process today to shop with confidence.
First-Time Homebuyer Mortgage
Lock the door to your first home with ease. Our First-Time Homebuyer Mortgage is crafted for individuals and couples stepping into homeownership for the first time. Enjoy benefits like lower down payments, reduced interest rates, and potential government incentives that make buying your dream home more accessible. We’ll help you navigate eligibility criteria and any necessary homebuyer education courses, ensuring a smooth transition into homeownership.
Start your homeownership journey today! Contact us to learn how our First-Time Homebuyer Mortgage can make your dream home a reality.
Fixed-Rate Mortgage
Stability and peace of mind for the long haul. Choose a Fixed-Rate Mortgage if you value consistent monthly payments and predictability. With rates locked in for terms ranging from 15 to 30 years, you can budget with confidence, knowing exactly what to expect each month. Let us help you weigh the benefits of stability against other options to find the best fit for your financial goals.
Lock in stability for the long term. Speak with our experts to secure a Fixed-Rate Mortgage and enjoy predictable payments for years to come.
Variable Rate Mortgage (VRM)
Flexibility with potential savings. If you’re comfortable with some risk and anticipate stable or falling interest rates, a Variable Rate Mortgage might be right for you. These mortgages often start with lower rates than fixed options, offering short-term savings. Our advisors will work with you to assess your financial flexibility and prepare for any rate changes.
Explore flexible mortgage options with potential savings. Let’s discuss whether a Variable Rate Mortgage is the right fit for your financial future.
Adjustable Rate Mortgage (ARM)
Ideal for short-term plans or future refinancing. An ARM offers an initial fixed rate before adjusting periodically, often resulting in lower initial payments. Perfect for those planning to sell or refinance within 5 to 10 years, we’ll help you understand adjustment terms and rate caps so you can plan confidently.
Planning for the short-term? Discover how an Adjustable Rate Mortgage can offer lower initial payments and flexibility. Contact us now to learn more.
Cash Back Mortgage
Instant funds for immediate needs. Need cash at closing? Our Cash Back Mortgage provides a rebate based on your mortgage amount, perfect for renovations or settling costs. We’ll help you evaluate whether the upfront cash benefit outweighs potential long-term costs.
Need extra funds at closing? Find out if a Cash Back Mortgage is right for you—get cash in hand when you need it most.
New to Canada Mortgage
Welcoming newcomers with open doors. Tailored for recent immigrants without established Canadian credit histories, our New to Canada Mortgages offer flexible qualification criteria. We consider alternative credit histories and employment backgrounds, helping you overcome barriers and achieve homeownership in Canada.
New to Canada? We’re here to help! Let us guide you through the mortgage process with flexible options designed for newcomers.
Renewal
Don’t overpay on your mortgage! On a $400K mortgage, even a 1% lower interest rate could save you $4,000 per year. We’ll secure a rate lock for you so that if rates drop, so does yours, but if they rise, you’re protected. Renewal is also the perfect time to reassess your financial situation. We can help you explore options to restructure your mortgage, tap into home equity, or pay down high-interest debt.
Is your mortgage up for renewal? Let us find you the best deal and potentially save you thousands. Contact us 120 days before your renewal date to get started!
Business for Self Mortgage (Self-Employed)
Empowering entrepreneurs with tailored solutions. Self-employed? No problem! Our Business for Self Mortgages accommodate irregular income streams by considering business financials and bank records instead of traditional pay stubs. Let us guide you through comparing offers and finding the best terms suited to your entrepreneurial lifestyle. By emphasizing how each product meets specific needs and highlighting your role as supportive advisors, this revised content aims to capture attention, inform effectively, and encourage potential clients to trust your expertise in their homeownership journey.
Self-employed? No problem! Contact us today to explore mortgage options tailored to your unique income situation.
Renovation Mortgage
Unlock the potential of your existing or future home with a Renovation Mortgage. This unique financing option allows you to roll renovation costs directly into your mortgage, covering up to 95% of your property’s as-improved value. Benefit from lower interest rates compared to personal loans, increase your home’s market value, and make upgrades without financial stress. Whether you’re modernizing a kitchen or adding space, we’ll help you transform your home. Ready to get started? Contact us today to bring your vision to life!
Why we are your best choice:
- We will work closely with you to understand your needs and financial situation, ensuring you get the best mortgage solution.
- We will offer a variety mortgage options to best suit your needs and address both current and future conditions.
- We work with 70+ lenders to secure the most competitive rates and terms for you, potentially saving you thousands over the life of your mortgage.
- If you're new to the housing market, we offer specialized support and step by step information and advice.
