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About Me
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With over 15 years of experience in the Mortgage industry, whether you’re buying a new home, are interested in refinancing your mortgage, or your loan is up for renewal, we have a proven system for success. Here are a few of the features that make our approach work so well:
- Canada’s Best Rate
- Quick Approval
- Multiple Options
We all have different needs. With so many mortgage solutions to choose from, We walk you through the process and help you choose the product that will benefit you the most!
Diana Giardina
M15000981
Among other things, lenders in Canada primarily look at three major qualifying criteria: your credit score (showing how well you manage your credit and loans), your debt-to-income service ratio (percentage that tells lenders how much of your income goes towards regular, recurring expenses), and your home equity (the difference between the appraised market value of your property and your loan amount).
Contact 8Twelve and we’ll walk you through our fast and straightforward pre-approval process. Or, visit this link to get started: https://8twelve.mortgage/apply-now
If you’re locked into a mortgage rate that is above current market interest rates. If you have a variable rate and you want to reduce your risk by acquiring a fixed rate mortgage. Your property has equity and you need the cash. You are interested in lowering your regular monthly payments to improve cash flow.
We help Canadians secure their best mortgage
We’ve helped thousands of people across Canada save on their mortgages and improve their financial positions.
How it works?
Steps to Secure Your Mortgage
It all starts with a single first step.
Ready to start?
Know your options, plans and limits, as you will soon be become a home owner. Are you ready?!!
All queries are replied to within 24hrs.
Credit Score
Are you likely to pay back the loan? Your past borrowing behavior tells mortgage lenders how reliable you are at paying your debts. They examine two things: your FICO score and your credit report.
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Capacity
Can you afford to pay a mortgage? Lenders assess your capacity by calculating your debt-to-income (DTI) ratio. That’s all of your monthly debt payments, plus the new mortgage payment, divided by your gross monthly income.
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Capital
What resources can you tap to pay your mortgage? A steady income is essential, but lenders want to know you have other assets you have at your fingertips. Your capital includes all of your readily available funds, properties, retirement accounts, additional investments and other assets you could potentially sell for cash.
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Collateral
What’s securing the loan? Your collateral is the asset you’re offering in case you default on your mortgage—in other words, it’s your home. Lenders want to know your house is worth enough to cover the cost of your loan.
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