CUSTOM COMMERCIAL SOLUTIONS

BUILDING YOUR BUSINESS. TOGETHER

COMMERCIAL MORTGAGES

STRUCTURED TRANSACTIONS

TRUSTED PERFORMANCE

CUSTOM COMMERCIAL SOLUTIONS

BUILDING YOUR BUSINESS. TOGETHER

COMMERCIAL MORTGAGES

STRUCTURED TRANSACTIONS

TRUSTED PERFORMANCE

TOUGH CREDIT CAN BE OVERCOME WITH THE RIGHT HELP

– ???? Years of lending experience
– Recipient of the …
– Ranked the No. 1 mortgage company
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GEMREAL Capital Corporation FSRA # 13189 (“GEMREAL”) is a boutique investment banking and mortgage brokerage firm focused on commercial real estate capital.

The firm was founded on integrity, experience, outstanding leadership and trusted performance. We believe in developing and sustaining long term relationships with our clients and maintaining the highest level of service. To accomplish this we provide clients with senior-level attention, comprehensive knowledge, detailed preparation and analysis, and top level industry relationships.

CALL 519-967-1422
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Make your dream project a reality sooner than you think.
Diane will show you how.

A commercial real estate transaction is too important to risk financing mistakes. Secure your project and your investment by making the smart choice and contacting Toronto commercial mortgage broker Diane Bertolin. Her team maximises expertise while minimising hassle and will fight for you to obtain the financing to move your commercial real estate project to the next level.

If you are looking for land development financing, construction financing or a commercial mortgage in Toronto, then your first call should be to Diane Bertolin.

Alberta Mortgage Rates

Alberta Mortgage Rates

Mortgages are debts that are paid back every month over a long period. However, no one wants their monthly payment or interest rate to be greater than they need to be. That's why it's crucial to get the best mortgage rate. Here are a few tips to help you get the best possible mortgage rates.

Shop around

Mortgage lenders have different rates and qualifying requirements. If you get a quote from one lender, you could be missing out on the chance to get the lowest rate. Try to get mortgage quotes from two or more lenders. The more mortgage quotes you get from lenders, the more confident you will have that you're getting the best deal.

Improve your credit

Mortgage lenders only offer well-qualified borrowers the best rate. A credit score of 720 and above can help you get the best mortgage rates. If you want to improve your score, there are several steps you can take to boost your score. You can ask your creditors to remove negative information, try to pay down debt, correct errors on your credit report, or ask someone with excellent credit to include you as an authorized user on their credit card. Before applying for a mortgage loan, taking any of the steps listed above will help you get the best mortgage.

Reduce your debt-to-income (DTI) ratio

Your "debt-to-income ratio" is crucial metric mortgage lenders use when evaluating applications. Lenders look at your DTI to see if you'll be able to pay your monthly payment. DTI measures your monthly obligations and compares them to how much money you make. A higher debt-to-income ratio of 43% or higher could mean you're likely to struggle with mortgage payments. Consider paying off any loan you have before applying for a mortgage or spending some time reducing the balance on your credit score to get the best rate.

 Make at least a 20% down payment 

Some mortgages let you buy a home with a small down payment. If you put less than a 20% down payment on a property, then you'll be required to buy private mortgage insurance (PMI) and pay a monthly premium as part of your regular mortgage payment. PMI protects your mortgage lender should you fail to make your payments. Therefore, making a 20% down payment can help you save money down the road because PMI represents an additional cost.

Choose a shorter loan length

A 30-year mortgage is common among homeowners, but you have other options when it comes to the length of your mortgage loan. Mortgage lenders offer 10-year or 15-year mortgages. The shorter your mortgage length, the higher your monthly payment, but you'll get lower mortgage interest rates. You'll be able to save money with a shorter-term length if you can afford the higher monthly payment.

Contact Mortgage Design Group Inc.

If you are looking to get a mortgage in Alberta, contact Mortgage Design Group Inc. to get the best rates in Alberta. You can give us a call at 403-942-4099.

Alberta Mortgage Rates
Mortgage Design Group Inc
+1 403-942-4099
Alberta Mortgage Rates
3010 32 Street South #2
Lethbridge AB T1K 7B4

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Toronto Office:

161 Bay Street,
Toronto, Ontario
M5J 2T6, Canada

289-337-8492

by appointment only

© Copyright 2021 Diane Bertolin, Mortgage Agent in Association With GemREAL Capital Corp. | Agent Licence: #M16001999 |Broker Licence: #13189
Website by Web GeeksSitemap | Terms and Conditions | Privacy |

Diane Logo white Small

Toronto Office:

161 Bay Street,
Toronto, Ontario
M5J 2T6, Canada

289-337-8492

by appointment only

© Copyright 2021 Diane Bertolin, Mortgage Agent in Association With GemREAL Capital Corp. | Agent Licence: #M16001999 |Broker Licence: #13189
Website by Web GeeksSitemap | Terms and Conditions | Privacy |