dbertolin

/Diane Bertolin
Diane Bertolin

About Diane Bertolin

Diane along with her team have over 120 years of real estate experience between them all from mortgage lending, to land development, construction, and real estate sales. Diane’s knowledge of economics, her fervent enthusiasm to read everything and her overall desire to help people to become financially independent lead her to this point of building her newest business. She joined the Unimor Capital Corporation team in September of 2016. Diane takes pleasure in helping people get the funds they need to get their dream property, but she also tells you when you cannot afford something. Diane strives to get you, your best mortgage or real estate investment.

How Do Construction Loans Work For Homeowners?

By |2018-08-28T09:15:29+00:00September 4th, 2018|Mortgage Information|

Thinking about a remodel or building a new home? It’s a big step. Even so, if your growing family is finding your home’s spaces cramped or you finally want to bring your home into the 21st century (better late than never), you really don’t have a choice if you love your property and don’t want to move. You need a construction loans – and getting approved is all about pre-planning accordingly. This means you need to speak with the construction company conducting the build to figure out a ‘construction timetable’ that will allow your lender to [...]

Is An Interest-Only Mortgage Right For You?

By |2018-08-28T09:15:14+00:00August 28th, 2018|Mortgage Information|

“Interest-only mortgage? That… doesn’t sound like it makes sense.” If you are familiar with traditional mortgages, this is probably what’s running through your head right now. Understandably, it causes a bit of confusion and almost sounds like an oxy-moron. After all, if there’s no principal to pay how are you going to make any progress paying down your mortgage month-to-month? You won’t; rather, you don’t have to pay the principal every month only the interest. It may not make a whole lot of sense, but believe it or not there are instances where an interest-only mortgage [...]

Minimizing Bad Credit with a Short Sale

By |2018-08-16T15:21:42+00:00August 21st, 2018|Credit|

You thought you would live in your home forever, yet life has other plans and you unfortunately have to move. Most of us probably know someone in this situation – and it’s never painless. For one reason or another, selling a home can be downright stressful; selling a home because you’re drowning in debt adds an even more stressful dynamic. What can you do? Is it possible to sell your home as soon as possible while avoiding a less-than-stellar credit report? It turns out there are certain best practices you can do to make the [...]

Racing the Clock: Sell Your Home Before Foreclosure Proceedings Begin

By |2018-08-16T15:23:34+00:00August 16th, 2018|Credit|

One of the most powerless feelings is realizing that you may lose your home due to lapsed mortgage payments, yet it’s impossible to catch up. Let’s get one thing out of the way: there’s no shame in this! Life happens. Financial burdens hit hard. It doesn’t mean you’re powerless to get out of this situation with a semi-winning hand, though. If you are going to lose your home, you might as well benefit as much as possible. In a race against the clock, you need to know the best practices for selling your home before [...]

Self-Employed? Getting a Mortgage is About to Get Easier

By |2018-08-10T14:41:00+00:00July 31st, 2018|Mortgage Information|

Ask any self-employed homeowner to tell you about their home buying experience and you are bound to hear at least a few tales involving grumbling, headache, and stress. The self-employed have always had an uphill battle when applying for a mortgage, but thankfully that may be about to change. CMHC Chief Commercial Officer Romy Bowers stated that the self-employed represent a significant portion of Canada’s workforce and the new policy would allow this demographic to, “benefit from competitive interest rates.”  Moreover, those that have been operating their own business [...]

6 Benefits of Selling Your Home to a Real Estate Investor

By |2018-08-10T14:41:14+00:00July 27th, 2018|Mortgage Information|

Selling your home doesn't always need to mean listing it with a real estate agent and waiting for a buyer to come along. If you're looking for a quick sale, it can make a lot of sense to sell to a private real estate investor instead. You might not get quite as high a price, but you'll enjoy these six other benefits to make up for it. 1) Take Control of the Situation Selling your home on the open market often takes months or years, and in the meantime your life [...]

What is a Letter of Explanation and Why Might Your Mortgage Lender Require One?

By |2018-07-12T14:18:12+00:00July 11th, 2018|Mortgage Information|

When working your way through the mortgage process, there are a large number of different documents that you will be asked to provide. The list can often seem never-ending. One of the more common documents that your mortgage lender may request is a letter of explanation (LOX). What is a letter of explanation? When deciding whether or not to approve you for a mortgage, the underwriter will take a close look at your financial history. Their investigation might include looking at your bank statements, retirement funds, tax returns, and pay stubs. [...]

Exploring Home Appraisals and Their Impact on Your Mortgage

By |2018-07-11T10:41:08+00:00June 26th, 2018|Mortgage Information|

The process of buying a new home is always a long and nerve-wracking one. At times it can seem like you have a never-ending list of tasks to do. Though many of these tasks are relatively straightforward, there are many which are not as well understood. In particular, there is some mystery around what exactly a home appraisal is and how it may impact your home-buying process. What is a home appraisal? In its purest form, a home appraisal is an expert evaluation of your home to determine what its value. [...]

How to Get Pre-Approved for a Mortgage

By |2018-07-11T16:12:28+00:00June 22nd, 2018|Mortgage Information|

Step one on your to-do list when searching for a new home to buy should be getting a mortgage pre-approval letter from your financial institution. The pre-approval will let you know how much you can borrow and what your interest rate will be. This will help you budget for exactly how much house you can afford. Perhaps more importantly, having a pre-approval letter in-hand will show any realtors and sellers that you are a very serious buyer. What documents or information do you need to have to get a mortgage [...]

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