refer friends

Refer Friends

Refer friends, Refer family, Refer colleagues

refer a friend

Let’s cut to the chase,

WE WANT YOUR REFERRAL! There, we said it. Phewww, glad that’s off our shoulder. Refer friends, Refer family, Refer colleagues. Whether its for business or any other form of transaction, word of mouth referrals are a time tested way of getting quality leads for whatever you are doing; providing a service, selling something, or anything else that requires people to be part of your venture.

At Trusterra Mortgage,

We value referrals and appreciate it greatly when you Refer friends, Refer family, Refer colleagues, because it show’s that you put great trust and value in our company and the services we provide to the consumer. Our company is based on ethical and moral values such as honesty, integrity, truthfulness, and providing a positive customer service experience for all our clients; just to name a few. One of the nicest compliment’s we could receive would be when you Refer friends, Refer family, Refer colleagues.

Home Sweet Home,

For the majority of the consumer purchasing real estate – home sweet home – will be the largest investment they’ll ever make, and we feel it’s that much more important for them to work with credible, well mannered, and trustworthy people and company. When you Refer friends, Refer family, Refer colleagues to us we know that you’re putting your neck out on the line and vouching for us. We wouldn’t want to disappoint you or your friends. We will work with our clients from day one, and all the way to the last day when their mortgage closes, looking after them and making sure that the right mortgage solutions and decisions are made that best suit their financial reality’s and needs. Although once the mortgage closes it is out of our hands, but we still, after the closing, continue to assist all and in any way we can our clients when they have mortgage questions.

This is the Call To Action part

This is the part of the blog that we ask kindly for your trust in us and to Contact Us and Refer friends, Refer family, Refer colleagues. You won’t regret it, and we’ll humbly appreciate it and ever be thankful.

refer friends

Trouble making mortgage payments

Trouble making mortgage payments

Are you having trouble making mortgage payments?  Find out from your lender what preventive measures they have set in place to help you.

This ‘Article from the Toronto Star‘ provides helpful information and insight regarding people having trouble making mortgage payments. has a good point in his article saying that “it’s the last thing you want to do when you can’t make your mortgage or loan payment but it’s a common response for many Canadians — stick your head in the sand and ignore it.” Definitely sticking your head in the sand is not the best way to deal whith having trouble making mortgage payments.

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You need to be open and honest to yourself and the lender that has given you the mortgage and let them know that you are having trouble making mortgage payments. This way the lender can come up with a solution to help you with making your payments. The last thing that on a lenders mind is wanting to worry about foreclosures and selling properties to get their money back. Therefore to as much as they can, help will be offered in creating a resolution to assist you.

Working with a mortgage broker or agent can also be helpful as they have specialized experience in this field and may be able to offer other solutions to your dilemma .

having trouble making mortgage payments

2014 New Year’s Resolution

2014 New Year’s Resolution

We’re certain you have more than one, but if we may suggest a 2014 new year’s resolution for you to consider, one which will save you potentially thousands of dollars in years to come; and what is that 2014 new year’s resolution you ask? We’d like to call it the pay less to the bank and more to yourself resolution. What we mean by this 2014 new year’s resolution is that you should evaluate your current mortgage payment set up with your lender to see if there are any ways for you to save more money and pay less interest to them. Trusterra Mortgage 2014 New Years Resolution

For example, lenders allow you to increase your regular mortgage payments by a certain percentage. You can call your customer service line, or walk into a branch and inquire about how much you are able to increase your monthly, or bi-weekly, or whichever payment frequency you have currently set up in your mortgage account. By increasing even a little bit of your mortgage payments will allow you to pay down your mortgage by that much more, and this can make some difference in the overall context of your mortgage contractual term.

You can also consider making lump sum payments towards paying down your mortgage outstanding balance. As part of your 2014 new year’s resolution try setting a goal that by the end of 2014 you would have saved enough money aside that you can make a lump sum payment on your mortgage outstanding balance. This too can help greatly reduce your mortgage balance if done regularly throughout the mortgage term.

If you’re one of the lucky ones in the New Year and have received a pay raise at work, you may even consider contacting your lender to see if they would allow you to lower your amortization. This will increase your mortgage payments, but it will reduce the overall life of the mortgage and therefore help you save money and pay less interest to the lender.

It can be very difficult and financially stressful to try to implement all of the above suggestions, especially right after the holidays, however you should take things one step at a time. If you feel it to be too much right now to make these 2014 new year’s resolutions, at least you’re now thinking about it and it is in the forefront of your thoughts and will allow you to plan for the near future with the hopes of trying out at least one or more of the mentioned ways to pay down your mortgage.

Remember, we’re here to help you along the way. Holding a mortgage debt is probably the largest debt that you will ever have and it shouldn’t be taken lightly. Contract us here at Trusterra Mortgage for an experienced, professional, and unbiased consultation.

Working with Trusterra Mortgage

Working with Trusterra Mortgage has many advantages.

Professionalism, truthfulness, customer service, judiciary responsibility, openness with client consultation, are just a few important points that we take seriously with the interest of our clients being the first priority when working with Trusterra Mortgage.

With years of real estate mortgage financing experience under our belts we have the know-how to get the job done right the first time around. By working with Trusterra Mortgage you bypass the long wait of making an appointment to walk into your local bank, and then after all that time spent there, feeling like the representative is trying to sell you a mortgage plus other products that you don’t really want.

Working with Trusterra Mortgage gives you the benefit, advantage, and comfort of knowing that we are here to work on your behalf and for your best interest. And we’re not going to try to sell you a whole lot of things you don’t need or want.

Have questions, not sure about something in the mortgage world, whatever your real estate financing needs are, we’re here to help. Don’t hesitate … CONTACT US! and let us show you why working with Trusterra Mortgage is a good idea.

Mortgage Happy

Are you a Mortgage Happy person?

Are you a mortgage happy person or not a mortgage happy person?  We want to hear about what was your good and bad experiences when going through the mortgage application process when you were buying a home whether as a first time home buyer or an existing home owner.

Share with us and the world why you are a happy person, or not when it comes to the mortgage application process.

If you were to go through the mortgage application process what changes do you want to see in the mortgage industry, what can be improved on?

people that are mortgage happy

 

 

 

 

 

 

 

 

 

How to select a Realtor

Whether you are a first time home buyer or an existing home owner looking to buy or sell,  it is very important for the consumer to know how to select a Realtor, and you can do this in several ways; research online, and in person by way of speaking with their family members, friends, and colleagues about their personal experiences of working with a Realtor when they bought their first home or sold it. Many times, our clients are referred to their Realtors through their trusted network of friends.

Most importantly, you should be interviewing the real estate professional so you know how to select a Realtor.

 

Some questions that can be asked from your potential Realtor are:

1) How many years have you been working in the real estate industry as a licensed Realtor?

2) What is your area of specialty in real estate?

3) What is your geographical coverage? You want to make sure you work with someone who knows the city, town, neighbourhood, or village that you are looking to buy in.

4) Ask the Realtor if they can provide you with any references from past clients.

5) You can also ask to see the Realtors portfolio of homes he or she had sold in the past.

6) How are you planning to advertise and sell my home in the market place?

7) Why should I work with you instead of your competitor?

8) Are there any fee’s in working with you?

9) Do I have to sign a contract to exclusively work with you, or can I go somewhere else if I am not satisfied with your service?

6) [you can ask yourself the following questions]

(a) How many listings does the Realtor have currently?

(b) Does the Realtor have a professional presence online, such as a web site, and social media feeds?

(c) When meeting in person with the Realtor what is her or his attitude and demeanor towards your interest in buying a home?

(d) Perform an online search of the Realtors name to see if any positive or negative results in the way of good or bad reviews / comments are said about the individual.

(e) Call the Real Estate Board in which the Realtor is part of and check with them to see if the Realtor is in good standing or not.

Mortgage Renewal

Mortgage Renewal

Is your mortgage coming up for renewal? Are you thinking about a mortgage renewal option? Have you considered the option of shopping around for a better mortgage product or mortgage interest rate instead of just staying with your existing mortgagee? Unfortunately many Canadians who are mortgage holders renew their mortgage with their existing mortgage bank / lender. The matter of fact here is that if you work with a Mortgage Professional, such as a Mortgage Broker or Mortgage Agent they will shop around and check to see if there are any other products out there with a better rate for you, therefore greater savings in the long run as well.

mortgage renewalThe cost for you to change banks or lenders at renewal time is minimal. Many mortgage lenders have promotions to attract customers from their competitors. Lenders provide perks to bring in more renewal business such as covering your legal and appraisal fees and also paying for your discharge fee to switch your mortgage.

Usually the mortgage professional will not charge you a fee either. This is another saving and a win-win situation for you.

Canadian lenders can guaranty a mortgage rate up to 120 days before the closing or renewal date of your mortgage. That means that you should start shopping around at least several months before your renewal date to take advantage of any good mortgage rates or products that are out there in the Canadian market place.  At Trusterra Mortgage we work with our clients and do our best in providing exceptional and trustworthy service and honest advice for their best interest.

What are you waiting for? Contact us and let’s work together in helping you get the best mortgage out there suited for your needs.