Sam Ansari, Mortgage Broker – Centum Financial Services L.P. Lic#13054

Residential Mortgage

we make it a priority to offer our customers a wide range of mortgage products to achieve their goals. To find out which mortgage best suits your lifestyle.

Refinance

Refinancing
We offer rate-and-term refinancing. Typically, you refinance your remaining balance for a lower interest rate and a term you can afford also to reinvest or to pay off your debts.

Home Equity

A home equity loan is a type of loan in which the borrower uses the equity of his or her home as collateral for the money loan. The loan amount is determined by the value of the property.

Purchasing multiple rental properties is understanding how rental mortgage lenders calculate the property income and expenses. By deducting the expenses of carrying the rental mortgage from the income generated from the property.

Reverse Mortgage

A reverse mortgage turns a portion of your home equity into an additional source of cash. This means you’ll have access to a dependable source of funds – tax and payment free. If you’re a Canadian homeowner who’s 55 years old or over, you may be eligible for a reverse mortgage.

Private Mortgage

A private lender (also sometimes called an alternative lender) is a person or financial entity that works independently of federally or provincially regulated financial bodies such as banks, credit unions, and trust companies. A private lender can lend money and provide mortgages and other types of loans to borrowers that, for a variety of reasons, may not qualify for a similar loan from a bank.

New To Canada

individuals who have recently moved to the country and aren’t yet citizens can still get a mortgage. The process is just more complex and the documentation needed is more extensive.

There are a few factors that ultimately determine what kind of mortgage you’ll qualify for as a newcomer to Canada. These factors are:

Whether you’re a permanent resident
The size of your down payment
Your credit score.

2nd Mortgage

A second mortgage is an additional mortgage that is placed on a property with an existing first mortgage. Second mortgages, also called 2nd mortgages, are considered riskier than first mortgages since if the property goes into default, the first mortgage holder must be paid first. Due to the increased risk, interest rates for second mortgages are typically more than those for first mortgages.

Construction Loan

If you want to build a custom home or vacation property, We can help to build your dearm home. Construction loans differ from regular mortgages in the loan term and when you receive access to the loan. Construction loans are meant to be a short-term way for you to finance your new home construction, with money disbursed in stages of construction. On the other hand, mortgages apply to existing homes, can have longer terms, and have lower mortgage interest rates