Welcome to Grant Brown's Website - Mortgage Broker - Homeguard Funding Ltd. (Verico) - License #10409

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Thanks for taking the time to visit my website. I have many resources available to you. In addition to the links below you can use the navigation at the top and bottom of this website to learn more about the products and services I can offer.

Please watch the video below where I was featured on a Sun TV Home Show....

 

	About Us - Learn more about us, the products and services that we can assist you with.
	Frequently Asked Questions - We're sure you have a number of questions. We've created a list of frequently asked questions. Feel free to see what others have asked. If you still have a question feel free to contact us and we'll be happy to answer all of your questions.
	Mortgage Calculator - There are many different mortgage calculators on the Internet. We have chosen this calculator as it's very simple to use. Click here for the Mortgage Calculator
	Apply Now - If you're ready to start click this link to apply online. If you have any questions please feel free to contact us as well.

TRENDING...

Great Article on the Top 10 Mistakes New Home Buyers Make  

Money saving mortgage tips:

• Take advantage of lump sum payments
• If you are paying your mortgage monthly, consider paying bi-weekly or weekly instead
• Consider increasing your payment (refinancing at this time is an excellent option with very low interest rates. Stop paying monthly credit card bills and combine your bills into one low payment. The monthly payment savings can now be used to pay down your mortgage faster savings thousands over the span of your mortgage)
• Income tax time is approaching as well as RRSP deadlines, Use RRSP refunds to reduce your mortgage balance. I can assist with freeing up money if you would like to top up your RRSP's and have access to excellent Partners if you want to connect with a financial planner.

Free First-Time Homebuyers Guide  - Get the guide

Why are a high percentage of borrowers still signing their existing lender's renewal "offer" - See article as you could be leaving thousands on the table!

Fewer first-time home buyers are getting pre-approved. See TD CT report 

Looks like the prime rate is going to remain the same going into 2013. This bodes well for current variable rate clients.

Your Credit Score is so vital in today's mortgage market. See Artile: http://bit.ly/uR5FR5

Thinking whether to go Fixed or Variable?.....This article might help you

CREDIT TIPS

5 STEPS TO ENSURE YOUR CREDIT IS UP TO PAR

Following are five steps you can have use to attain a speedy credit score boost:

1) Pay down credit cards. The number one way to increase credit scores is to pay down credit cards so 30% of limits remain untouched. Revolving credit, like credit cards, has a more significant impact on credit scores than car loans, lines of credit, and so on.

2) Limit the use of credit cards. Racking up a large amount and then paying it off in monthly instalments can hamper credit scores. If there is a balance at the end of the month, this affects scores – credit formulas don’t necessarily take into account the fact that you may have paid the full balance off the next month.

3) Check credit limits. If lenders are slower at reporting monthly transactions, this can have a significant impact on how other lenders may view a file. Ensure everything’s up to date as old bills that have been paid can come back to haunt a credit score.

Some financial institutions don’t even report maximum limits. As such, the credit bureau is left to only use the balance that’s on hand. The problem is, if you consistently charge the same amount each month – say $1,000 to $1,500 – it may appear to the credit-scoring agencies that you’re regularly maxing out your cards.

The best bet is to pay balances down or off before the statement periods close.

4) Keep old cards. Older credit is better credit. If you stop using older credit cards, the issuers may stop updating these accounts. As such, the cards can lose their weight in the credit formula and, therefore, may not be as valuable – even though you have had the cards for a long time. You should use these cards periodically and then pay them off.

5) Don’t let mistakes build up. Always dispute any mistakes or situations that may harm credit scores. If, for instance, a cell phone bill is incorrect and the company will not amend it, dispute this by making the credit bureau aware of the situation.

And while some clients with credit blemishes may be able to repair their situations fairly easily by using the quick tips above, others may face a longer road to recovery. By partnering with bankruptcy trustees and credit counsellors who are experts in the credit repair niche, you can expand your expertise and offer assistance to clients you come across that require deeper credit repair.


 

Email: grant@homeguardfunding.com

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