Get a Mortgage in British Columbia to Buy US Property

Angela Kroemer – The Mortgage Group

Your British Columbia US Property Financing Expert

TMG The Mortgage Group
Vancouver Island, British Columbia
Cell: (250) 650-4182
Toll Free: 1-888-679-0190
Toll Free Fax: 1-888-679-0192

British Columbia Mortgage Financing

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Angela Kroemer
TMG – The Mortgage Group

British Columbia US Real Estate Financing Expert

Angela Kroemer is a BC Mortgage Professional with TMG The Mortgage Group Canada Inc., serving clients from Victoria to Port Hardy on Vancouver Island and in all areas on the mainland such as Vancouver, Surrey and Kamloops.

Background in Business Administration to Find You a Great Mortgage

Angela received her Business Administration , majoring in Accounting in Ottawa and moved to The Comox Valley, British Columbia (BC) where she worked with smaller companies. Angela enjoyed working with these companies as she worked side by side with the business owners, creating not only business relationships, but also lasting friendships.

Your British Columbia Mortgage Group Specialist

Now working with TMG, The Mortgage Group Canada Inc in British Columbia, Angela has access to products and rates of over 50 BC mortgage lenders, can work with you to develop a plan, specifically suited to you and your situation. Whether you are purchasing a new home in the US or Canada, refinancing a mortgage, or extracting equity for an investment such as real estate in the United States. Angela can help you find your perfect mortgage by providing you with unbiased advice. Your bank or credit union has one set of mortgage products and mortgage rates to offer, giving you only one choice.

British Columbia Mortgage Brokers Gaining Popularity!

We’re growing – In Canada, approximately 1 in 4 mortgage borrowers are using a mortgage broker, and almost 1 in 3 in British Columbia (BC). Angela’s clients include average families, professionals, first time buyers, self employed workers, vacation home buyers, rental home buyers, and clients from all backgrounds.

Member of the Canadian Association for Accredited Mortgage Professionals (CAAMP)

As a member of the Canadian Association for Accredited Mortgage Professionals (CAAMP), Angela has met academic requirements for licensing, and is governed by strict professional rules of conduct designed to ensure that the advice given is impartial and meets the needs of all her clients. As well as a member of CAAMP, Angela has received the Accredited Mortgage Professional (AMP) designation. AMP Mortgage Brokers are well trained, well informed and committed to providing you with the advice and choices that fit your situation. AMPs are required to complete ongoing education which ensures they are up to date on all aspects of their profession. Licensing is not required of most mortgage representatives in Banking Financial Institutions and thus you are not receiving the same expertise as you would with a British Columbia licensed mortgage professional like myself.

Becoming a British Columbia Mortgage Professional is one of the best decisions Angela has made. It is a remarkable field, getting people into their dream homes, saving clients thousands of dollars from lower interest rates or better options such as better prepayment options, so they can be mortgage free years faster. Mortgage rules are always changing and as a BC Mortgage Professional you must adapt to those changes. It is like a puzzle that you must fit all the pieces together to get the best mortgage options and rates. I enjoy the challenge as well as meeting people from all over British Columbia.

Whether you live in Victoria, Vancouver, Comox Valley, Kamloops, Surrey, or Kelowna, Angela Kroemer and The Mortgage Group can guide you to a plan that works for your US real estate property purchase anywhere in the United States.

Contact Your British Columbia Mortgage Specialist To Discuss Your Options

Contact Your British Columbia US Real Estate Financing Expert to discuss your options to finance a property in the United States. If you are considering a second home or investment property in the United States, you probably have a significant amount of equity in your Manitoba home which could be used to make a low cash offer in the US city of your choice!

 

 

 

http://canadabuysouth.ca/mortgages-to-finance-us-property/british-columbia/?goback=%2Egde_3095873_member_184537221

 

 

 

Are You Prepared For Higher Mortgage Rates?

 

 

Luckily you probably won't have to worry about that until 2013, which is fast approaching.

Have you got a plan ready for action?

The questions you could be asking yourself is:

 

How high can my mortgage payments become before it is a problem ?

How high can interest rates raise before I cannot afford my mortgage?

Should I get a mortgage now and lock in for 5 years before the rates raise?

When I renew my mortgage after the rates have been raised will I be okay with my new mortgage payments?

If housing prices fall and rates raise will I have enough equity in my home to renew with the different scenarios?

 

There are many different ways to plan for this uncertainty, which will create a great outcome.  You can not control the interest rates or the housing market.

But, you can control your personal debt, your personal expenses and to some degree your wage.

Do you need to get those credit cards paid off?

Do you need to stop eating out so often and saving money that way?

Do you need to look for a better paying job?

 

OR

Look into  getting locked in for a low 5 or 10 year term now?

That way you will have at least another 5 years of low mortgage payments that fits with your budget and lifestyle now.

 

Change is coming.

How will you deal with it?

 

Not very many people find household finances a lot of fun.

If you would like to go through the different scenarios, I am here to help and go through those scenarios with you.

You know what you are most comfortable with and I know how to get you those answers.

 

Plan For The Future

With a solid plan put into place now, this will save you lots of stress, time and money in the future.

 

This is a free service, no obligation. 

Call me and lets get the planning done now.

 

Angela Kroemer, AMP

Mortgage Professional

TMG The Mortgage Group Canada Inc.

TMG Sharie Marie Mortgage Team

Local: 1.250.650.4182

TFP: 1.888.679.0190

Fax: 1.888.679.0192

akroemer@mortgagegroup.com

www.KROEMERmortgages.com

 

 

 

 

 

 

 

 

 

 

 

Do credit settlement agencies really deliver?

Global News investigation re debt settlement firms

Global TV 's "16 x 9" show ran an investigative story regarding how "debt settlement" firms are misleading Canadians coast to coast. Creditors do NOT have to work with these firms who are taking fees from consumers with no guarantees. Only Alberta and Manitoba currently regulate the firms following a ban on upfront fees for debt settlement firms by the FTC in the US in 2010 .

Bad Debt: Do credit settlement agencies really deliver?

You’ve heard the commercials before – credit settlement agencies promising big reductions in the debt you owe. But do they deliver? 16x9 investigates a controversial industry and speaks to two men who say they never got what was promised.

 

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Angela Kroemer, AMP

Mortgage Professional

TMG The Mortgage Group Canada Inc.

TMG Sharie Marie Mortgage Team

Local: 1.250.650.4182

TFP: 1.888.679.0190

Fax: 1.888.679.0192

akroemer@mortgagegroup.com

www.KROEMERmortgages.com       click to go website

TMG- What We Know About You – Mortgage Consumers

The 2012 Mortgage Consumer Survey prepared by Canada Mortgage and Housing Corporation (CMHC) tells those in the mortgage industry a lot about you, the consumer – your buying habits, where you go to look for information, the kind of information you look for, etc.

The online survey was completed over February and March of 2012 by more than 3500 mortgage consumers who had completed a mortgage transaction in the previous 12 months. Here are few highlights of that survey:

Online Activity

• When researching mortgage information, 71% of consumers went online; this is up from 65% in 2011.
• Facebook was the most popular social media network used to gather information, especially among first time home buyers.
• The two most actively searched items were interest rates at 86% and mortgage options at 73%.
• And not surprisingly, 38% of 18 to 24-year-olds used mobile mortgage apps.

Using Professionals

• Consumers are turning more to mortgage professionals to help them with their mortgage decisions.
• Consumers are asking a lot more questions about mortgages – 71% asked about differences between mortgage products; 67% wanted information about mortgage loan insurance; and 67% asked about penalty clauses.
• Consumers like referrals and most referrals come from a family member or a financial planner.

The Mortgage Process

• Before making a decision about a mortgage, consumers spend about five weeks doing research; first time home buyers spend about eight weeks.
• Consumers are now more prepared when meeting with their mortgage professional and come armed with a list of questions and the necessary documentation.
• Eighty per cent of consumers felt confident they made the best decision with their mortgage product.

Mortgage Free

• Thirty-one per cent of mortgage holders made lump-sum payments or increased their regular payments to pay off their mortgage sooner.
• Nearly half of all buyers set their monthly payment higher than the minimum to pay off their mortgage sooner.

The survey findings are positive indicators that consumers are increasing their knowledge about financial matters. Four in ten home buyers went online and did a financial self-assessment. And a whopping 80% felt they had a good understanding about how much they could afford and what options were available to them.

Consumers who educate themselves about the financial options available will learn how to make consistent, informed financial decisions and that will help them to achieve their goals. This survey shows that Canadian consumers are on the right track.

The survey also makes clear that mortgage professionals are in a unique position to help educate consumers about their mortgage options and ways to pay off that mortgage sooner.

Thanks to CMHC for conducting the survey and TMG for putting results in a blog.

CMHC
http://blogger.mortgagegroup.com/2012/05/what-we-know-about-you-mortgage.html






Angela Kroemer, AMP
Mortgage Professional
TMG The Mortgage Group Canada Inc.
TMG Sharie Marie Mortgage Team
1.250.650.4182
akroemer@mortgagegroup.com
www.KroemerMortgages.com
Your Mobile Mortgage Professional in The Comox Valley

Purchase PLUS Program

A purchase plus program is designed for the person who has found a house and wants to make improvements.
The house could be at a lower cost because of the repairs it may need to make it liveable to you.

Right now there is a great special going on, but you need to move fast because the house must close by December 31 2011.

Can't find a home that is exactly what you want. Purchase a home and plan to make inprovements and you can still get this low rate. 5 year fixed quick close special is available for purchase plus improvements at 3.29% o.a.c., must close on or before December 31, 2011, owner occupied homes, there is no premium to the rate for this purchase plus program.

Please don't delay if you would like to take advantage of this deal.


Thank you
Angela Kroemer, AMP
Mortgage Professional
1.888.679.0190
akroemer@mortgagegroup.com
www.ComoxValleyMortgagesToday.com
TMG The Mortgage Group Canada Inc.