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When looking for a new home, you should always get pre-approved by a lender first. We can help you find out how much you can afford in a matter of minutes! Before buying a home, you should always obtain a mortgage Pre-Approval, and here is why it’s important that you pre-qualify for a mortgage first: Getting a pre-approval will help you understand what kind of home you can afford to buy, and how much of a mortgage you will be approved for and can afford. We can hold your pre-approval interest rate for up to 4 months (120 days), which will protect you from potential unexpected rate increases for that time period As soon as you get pre-approved, you can then proceed to make an offer on a home without worrying about whether or not you can get the mortgage that you will need, provided that your financial position stays stable until the closing date. With today’s strict mortgage rules, if you don’t get pre-approved it’s very possible that you will not be approved for a mortgage large enough to be able to actually complete the purchase of your home. A Pre-Approval From Neil Keeping Mortgages: FREE with No Obligation Locked In and Guaranteed to be the Lowest Interest Rate for 4 Months (120 Days) through specific lenders Quick and Easy and Only Takes A short time to Receive Your Full Pre-Approval Stored safely on our secure servers to ensure your privacy. Neil Keeping Halifax Dartmouth Mortgage Broker

A home equity loan is a loan that is secured by the available unencumbered equity in a borrower’s primary home, second home, vacation home, or any residential property that they own. Home equity loans come in different forms or borrowing products. These types of loans are available in the form of a first mortgages, second mortgage, third mortgage, or a HELOC (home equity line of credit), or a refinance on a property that is mortgage-free. When applying for a home equity loan, you can apply with major banks, monoline mortgage lenders, credit unions, trust companies, private mortgage lenders, and any lender that would typically offer mortgage products and services. For the most part though, when someone says that they are looking for a home equity loan, they are usually referring to secondary or tertiary funding that is in addition to their existing first mortgage or second mortgage. Most commonly, someone looking for a home equity loan is usually looking to take out cash money from the equity they have available in their home, rental property, cottage, etc. It’s common for a borrower who is looking for a home equity loan option to use these funds for reasons such as consolidating credit card and other debts, investing in another property, paying tax arrears of judgements, alleviating cashflow challenges, paying for tuition, paying for education loans, financing your travel plans, and more. Neil Keeping Halifax Dartmouth Mortgage Broker

A mortgage refinance is a new mortgage that is taken out either to replace a current mortgage. It is a term loan that a homeowner can apply for in the same amount as an existing mortgage or a greater amount. A homeowner may also apply to combine a first and second mortgage into a single first mortgage at a lower overall interest rate, or as a second mortgage that is in addition to a current first mortgage. As with a new purchase mortgage, a home refinance is secured against your home. A qualified mortgage broker can help increase your chances of getting your mortgage refinance application approved at the lowest rate available to you. When refinancing your mortgage, you may be able to get a lower interest rate, better terms, longer amortization, or use the extra cash for a number of different reasons. Through refinancing your mortgage, you can gain access to much needed cash for many different purposes. Since that cash can go directly into your savings accounts or chequing accounts, you can use it for whatever needs you may have. Mortgage brokers have access to a wide variety of lenders, and can help you get great refinancing rates at a bank, or through alternative lenders in the event that your credit is bad or less than ideal, you have too many revolving debt on cards, your income is low, or you are self-employed and have a non-traditional was of reporting your income. Whether you are looking to refinance your current mortgage to take out extra money from the equity you have in your home for personal use, to consolidate debts or pay off higher interest debts, to renovate your home, to finance a car, or for any other reason, I can help you get the best deal that’s right for you. Neil Keeping Halifax Dartmouth Mortgage Broker