Mortgages for Purchases - Secure Your Dream Home with the Right Mortgage
Your Homeownership Journey Starts Here
Buying a home is one of the biggest financial decisions you’ll make—but it doesn’t have to be overwhelming. At Mortgage Fernando Inc., we simplify the process by offering tailored mortgage solutions, competitive rates, and expert guidance to help you secure the right financing for your home purchase.
Whether you’re a first-time homebuyer, upgrading to a new home, or investing in real estate, our team works with a wide network of lenders to find the best mortgage options for you.
Ready to get started?
Why Choose Us for Your Home Purchase Mortgage?
✅ Personalized Mortgage Strategies – We assess your financial situation and goals to match you with the ideal mortgage solution.
✅ Access to Multiple Lenders – We compare mortgage options from banks, credit unions, and alternative lenders to ensure you get the best deal.
✅ Stress-Free Process – Our team handles the paperwork and guides you every step of the way, making home financing simple and transparent.
✅ Solutions for All Buyers – Whether you’re self-employed, a first-time buyer, or an investor, we have mortgage solutions tailored to your needs.
Want to explore your options?
Mortgage Options for Home Buyers
Finding the right mortgage is about more than just securing a loan—it’s about choosing a financing option that aligns with your long-term financial goals. We offer:
Fixed-Rate Mortgages – Lock in your interest rate for predictable payments.
Variable-Rate Mortgages – Take advantage of market fluctuations for potential savings.
High-Ratio Mortgages – Ideal for buyers with a low down payment (less than 20%).
Conventional Mortgages – For those with a down payment of 20% or more.
Self-Employed Mortgage Solutions – Flexible lending options for business owners and entrepreneurs.
Not sure which mortgage is right for you?
Step-by-Step Mortgage Process
Navigating the home-buying process is easier when you know what to expect. Here’s how we simplify it for you:
Pre-Approval.
We assess your financial profile and determine how much you qualify for.
Mortgage Selection.
We help you choose the best mortgage option based on your needs.
Approval.
We submit your application and work with lenders to secure the best terms.
Closing.
Once approved, we guide you through the final steps to homeownership
Common Challenges & How We Help
We understand that securing a mortgage comes with challenges, but we’re here to help:
🔹 Low Down Payment? – We offer high-ratio mortgage solutions with as little as 5% down.
🔹 Self-Employed? – Our lender network provides options for non-traditional income sources.
🔹 Credit Concerns? – We help you find lenders that consider your full financial picture.
🔹 Unsure Where to Start? – Our team provides personalized guidance to simplify the process.
Let’s overcome these challenges together!
Frequently Asked Questions (FAQs)
❓ How much do I need for a down payment?
Most buyers need a minimum of 5% of the purchase price for a down payment. However, 20% or more can help you avoid CMHC mortgage insurance fees.
❓ What credit score is required to qualify for a mortgage?
A credit score of 600+ is recommended for most mortgage approvals. However, we work with alternative lenders who may approve mortgages with lower credit scores.
❓ What are the benefits of getting pre-approved?
Pre-approval gives you a clear budget, strengthens your offer in competitive markets, and locks in an interest rate for up to 90 to 120 days.
Still have questions?
Secure Your Dream Home with the Right Mortgage
Your homeownership journey starts with the right mortgage. Whether you’re a first-time buyer or an experienced homeowner, Mortgage Fernando Inc. is here to make the process smooth and stress-free.
Ready to take the next step?
Mortgage Fernando Inc.
Mortgage Brokerage. FSRA Lic # 13620
Tel: +1 (647) 977-8800 I Email: team@mortgagefernando.com