We have a mortgage just for you. Let's find it.
We negotiate with 65+ lenders to find the best mortgage rates in Richmond Hill made just for you.
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About Me
We help !
Whether you’re buying a new home, 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
Diana Giardina
Years of
Experience
Experience
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See what our clients are saying:
"I gained so much confidence in my ability to connect and deepen my relationships with people. It’s amazing how much easier it has been to meet new people and create instant connections. I have the exact same personality, the only thing that has changed is my mindset and a few behaviors."
Tom Allen
Founder & CEO
"It’s amazing how much easier it has been to meet new people and create instant connections. I have the exact same personality, the only thing that has changed is my mindset and a few behaviors."
Jane Anderson
Founder & CEO
"I gained so much confidence in my ability to connect and deepen my relationships with people. It’s amazing how much easier it has been to meet new people and create instant connections. I have the exact same personality, the only thing that has changed is my mindset and a few behaviors."
Ribeka Cruz
Founder & CEO
"Wow! I have the exact same personality, the only thing that has changed is my mindset and a few behaviors.I gained so much confidence in my ability to connect and deepen my relationships with people. It’s amazing how much easier it has been to meet new people and create instant connections"
Jake Bill
Founder & CEO
How it works?
Steps to Sucure 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.
Cretid 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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