PURCHASING A HOME
First-time buyers?
We want to be by your side on this exciting journey! Our commitment is to provide you with the advice and guidance needed to navigate your way to home ownership.
Had a Mortgage Before?
In five years, life can change a lot. At Garrett Mortgages/CENTUM, we will talk goals, future plans and about those big life moments to make sure your mortgage is compatible with your life.
This purchase might be the biggest financial decision of your life and we take that seriously. Garrett Mortgages/CENTUM are here to walk you through every step of the process and make sure you have peace of mind that you are making the right mortgage decision.
Mortgage Pre-Approvals
Being pre-approved for a mortgage has endless benefits including knowing your budget, being a more desirable buyer and expediting the process when you find your dream home. You wouldn’t go shopping without your wallet and it is the same when it comes to buying a home.
Pre-approval will help determine the following:
- Your budget
- Your mortgage payment be
- If you need to restructure your financial picture
- A rate for a predetermined timeframe
- That you are a serious buyer
Don’t take the risk of finding your dream home onlyl to discover you can't get a mortgage for it. Finding the perfect home is hard, but Garrett Mortgages/CENTUM is here to help make the mortgage process simple!
Self Employed?
The good news: You’ve got financial and employment freedom! So much so that you’re ready to purchase a home.
The bad news: The bank may not agree with you on how much you make. In some cases, they might see you as more of a credit risk than non-self-employed people and most of the time that couldn’t be further from the truth.
Notice of assessments, net income after expenses, multiple companies, there’s a lot involved in getting a mortgage for the self-employed. Proving self-employed income and its sustainability can be the greatest challenge. At Garrett Mortgages/CENTUM, we’ve got over 50 lenders, and will work hard to find the one that will recognize your income. You’ve spent all this time building a business, let us handle the rest.
Find out where you stand
The first step is to complete an application. It doesn't cost a cent.