MARY STURINO B.Sc. Broker
OAKVILLE, ON
Phone: 905-302-0170 Mobile: 905-302-0170 Fax: 905-897-9610 Email MARY

Mortgage Information Center 905-302-0170


 

  Mortgage Information Center & Financial Tools

Searching for Oakville Mortgage, Oakville Mortgage Brokers, Oakville Home Loan, Oakville Mortgages, Oakville Home Loans, 
Oakville Mortgage Rates, Oakville First time Home Buyer Pre qualifications, Quick & Easy Mortgage approvals,
Self Employed, Bad Credit,  Financing, Debt Consolidation, Refinancing, Lowest Intrest Rates Canada,
New Canadian, Hard to Finance, Construction Loans, Commercial Loans, Ontario Mortgage Broker, Lowest Mortgage Rates, Ontario Mortgage,

 

Mary Sturino Mortgage Broker 905-302-0170 

Quick & Easy Mortgage Approvals!

Now Offering 90 Day Rate Hold

Great Low Mortgage Rates!

Saving you Thousands!

Contact Us Today   

 


Whether you're buying your first home, refinancing, consolidating your debts, or purchasing your dream home, we can help you to attain your goals.

Our Lenders have proven success. We utilize our financial relationships and vast experience to help you secure the mortgage with the most competitive rate that will lead you on the path of capital and financial security.

WE WILL SAVE YOU THOUSANDS!

  Save Thousands Lowest Mortgage Rates

Our Aim is to Save you Money Mary Sturino 905-302-0170

 

Obtaining a Mortgage

Once you have decided to purchase a home, you are faced with the task of obtaining a mortgage. Many factors come into play. How much do you make? How much do you spend? How much do you currently owe? What is your credit score? How much cash do you have available as a down payment? How much can you afford as a monthly payment, leaving enough to cover taxes, insurance, and upkeep, as well as your personal living expenses? Using our loan calculators  you can identify many of your limits.

 

To be best prepared, we recommend you obtain a pre-approved mortgage before you begin shopping for a home. This allows you to make a strong offer when you find your dream home. 

 

 

 Our Approved Mortgage Lenders

Our Approved Lenders

Canadian Mortgage Calculator

Dynamic Graph Mortgage Calculator. Excellent Resource for visually analyzing financing options. Try adding monthly, annual, or one-time payments under Prepayment Data.

 

 

 

 

 

 

 

Contact Us Today to get Preapproved:

 

  • FREE Mortgage Approvals

  • Best Mortgage Rates

  • Quick & Easy Mortgage Approvals

  •  

    Residential Mortgages

  • Commercial Mortgages

 

 


Mortgage Calculators and Mortgage Rates


 

Canadian Mortgage Calculator & Canadian Mortgage Rates

Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs.  To email yourself a copy of the results, click the Receive this Detailed Analysis link.

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
Results
  Receive this Detailed Analysis

Your Monthly Payments
 
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
 
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %