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Here's why paying off your mortgage isn't always the best idea. Pay that mortgage off? Why would you bother, especially if that money could be invested elsewhere at a higher rate?
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Right Mortgage for You

Are you looking for a mortgage to buy a home, need money to pay for your child’s education, or are you drowning in debt? TMMC Canada offers a large variety of loan and mortgage programs to fit both personal and business needs. Whether you are a first-time homebuyer, a small business owner, or a student, there is a TMMC Canada loan program that is right for you.
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Let our team guide you!

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TMMC Canada’s primary concern is helping you qualify for the loan you need. Our team of loan officers, processors, and mortgage specialists is available to help guide you through difficult financial decisions. Don’t understand how certain loans work? Ask us. Let us teach you about what we know best—mortgages and loans.
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2nd Mortgage

In the past two years, many home owners have chosen to refinance because interest rates rose a couple percent. Many had adjustable rate mortgages that were moving from the initial fixed, lower introductory rate, to one that would reset every year. Let us help to consider refinancing when you are able to save at least one percent or more on your existing rate.

Products and features

Residential

  • Residential Loan
  • Buying New House
  • Refinance
  • 2nd Mortgage
  • Personal Line of Credit
  • Personal Loan
  • Credit Counseling
  • Financial Advise

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Business

  • Business Loan
  • Business Line of Credit
  • Credit Consolidation
  • Credit Repair
  • Consumer Report file ...submissions

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Questions and answers

1When should I obtain a mortgage pre-approval for an Ontario mortgage?
You should obtain a mortgage pre-approval if you plan on buying in the near future in order to secure an interest rate guarantee from the lender. The interest rate can usually be held for 120 to 180 days. A pre-approved mortgage in Canada is based on the information you provide to us in your application and is subject to verification of conditions such as employment and down payment verification.
2How much can I qualify for?
Qualifying guidelines vary depending on the lenders criteria and products available. To find out exactly what you can qualify for, please submit your application for a quick approval.
3Can I get a pre-approved mortgage before I find the home I want to purchase?
Yes. Our lenders offer pre approvals from 120 days to 180 days days. When it comes to new construction many lenders will extend that pre approval time to fit the construction schedule. Having a pre-approved mortgage will allow you to hold a great interest rate while you shop for or build a new home.
4Can I use money gifted to me for a down payment?
Yes, most lenders will accept down payment that is gifted from a family member. A gift letter is usually required to be signed by the donor to confirm it is not a loan.
5What is the minimum down payment required to purchase a home in Ontario?
The minimum down payment is 5% to purchase a home in Ontario, subject to maximum price restrictions. In addition to the 5% you must be able to confirm that you can cover costs incurred to close your mortgage. These costs may include legal fees, appraisal fees, survey certificates etc. Subject to qualify, the 5% down paymetn can be borrowed with an additional default insurance premium added to the mortgage (an extra 0.15% if you are using a cash-back mortgage or borrowing the funds (from credit card, line of credit etc) as your down payment..
6 If I have a declared bankruptcy can I still qualify for a mortgage?
Some lenders will consider your mortgage application depending on the circumstances surrounding your bankruptcy and your credit history since the bankruptcy has been discharged. The best way to determine if you can qualify for a mortgage after being discharged from bankruptcy is to call a mortgage consultant.
7What is required to obtain a first Ontario mortgage?
In most cases: * Full time employment/proof of income * Good credit rating * Verifiable down payment * Online Approval Application
8What can I use for a down payment?
In most cases: * Registered Retirement Savings Plan (RRSP's may be used as a down payment up to a maximum amount of 20,000 and is not subject to income tax if repaid within a specific time period) * Gift from immediate family * Accumulated savings * Sale of existing home * Sweat equity

Why it's worth to choose Tmmc Canada?

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Mortgage Safety

100% Approved, Fast & Secure.
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2nd Mortgage

In the past two years, many home owners have chosen
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We Support

We will provide Filogix Expert Base Software that will help you to work from home
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Become an Agent

If you want to become Mortgage Agent & work independently,