Kristina Vendichansky - Mortgage Specialist

Kristina Vendichansky - Mortgage Specialist Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Kristina Vendichansky - Mortgage Specialist, Professional Service, Toronto, ON.

Wishing you all magic moments filled with love ✨Yours truly, Kristina V.
12/24/2022

Wishing you all magic moments filled with love ✨

Yours truly,
Kristina V.

You’ve secured your pre-approval or are looking towards getting pre-approved. Now, you may be wondering – what should I ...
10/31/2022

You’ve secured your pre-approval or are looking towards getting pre-approved. Now, you may be wondering – what should I look for on the pre-approval letter? Don’t worry, I’ve got you covered:

• Pre-approved mortgage amount
• Home price – the maximum price you can afford
• Pre-approval expiry date
• Mortgage type – amortization, term, LTV ratio

Some realtors will require a pre-approval letter prior to showing you properties. What is more important -

☝🏼 it provides peace of mind during the closing period for YOU

If you are a newcomer to Canada looking to purchase a home, you will need to provide these documents to secure a mortgag...
10/20/2022

If you are a newcomer to Canada looking to purchase a home, you will need to provide these documents to secure a mortgage:

• Permanent resident status
• Proof of income
• Employment history
• Down payment
• Credit check
• Bank reference letter

If you are a foreigner or newcomer wishing to purchase a home in Canada, reach out to me today! I can help you begin your mortgage process and answer any question along the way.

🪄♥️💫

There is always something to be thankful for 🫶🏽 and it is very important to start each day with a grateful heart. .mortg...
10/07/2022

There is always something to be thankful for 🫶🏽 and it is very important to start each day with a grateful heart. .mortgages wishes you the warmest and happiest fall weekend ♥️

To put it simply, a construction mortgage applies when you are building the property and are involved in the decision-ma...
10/06/2022

To put it simply, a construction mortgage applies when you are building the property and are involved in the decision-making process from start to finish. For example, you buy a plot of land and want to build your dream home.

A pre-construction mortgage is applicable for properties where you are buying into someone else’s vision and development. For example, you buy a pre-construction unit in a new high-rise condo building. With pre-construction, you are less involved in the decision-making process but can provide input on smaller details you want to be incorporated into your unit.

First of all, what is the amortization period? The amortization period is the length of time it would take to pay off a ...
09/27/2022

First of all, what is the amortization period?

The amortization period is the length of time it would take to pay off a mortgage in full, based on regular payments at a certain interest rate. A longer amortization period means you will pay more interest than if you got the same loan with a shorter amortization period.

Regardless of Canadian residency status, the maximum amortization period for mortgages in Canada is 25 years from A lenders. However, you can potentially obtain longer amortization periods from B lenders, accessible by a Mortgage Broker.

When you partner with a Mortgage Broker, you have access to both Private Mortgages and Bank Mortgages.

Let’s talk and find the best solution for you 💫

Regardless of Canadian residency status, the maximum amortization period for mortgages in Canada is 25 years from A lend...
09/27/2022

Regardless of Canadian residency status, the maximum amortization period for mortgages in Canada is 25 years from A lenders. However, you can potentially obtain longer amortization periods from B lenders, accessible by a Mortgage Broker.

When you partner with a Mortgage Broker, you have access to both Private Mortgages and Bank Mortgages. We can help you find the best options that meet your financial goals. Let’s get talking today!

One of the most important things in my job is quick turnaround time. I have to be fast and efficient in order to succeed...
09/21/2022

One of the most important things in my job is quick turnaround time. I have to be fast and efficient in order to succeed. So my clients and colleagues can succeed. I don’t give empty promises. That’s my style. And nothing can change it ☝🏼

Unfortunately, no. To ease the hot housing market in Canada, Justin Trudeau’s liberal administration has placed a ban o...
09/17/2022

Unfortunately, no.
To ease the hot housing market in Canada, Justin Trudeau’s liberal administration has placed a ban on foreign homebuyers in Canadian markets. Currently, the ban is in effect from 2022-2024. Only foreigners with permanent Canadian residency, or foreign students or workers working towards permanent residency are exempt from the ban.
Reach out to us today! We’re here to help maximize your financial goals and mortgage needs.

If you are a newcomer looking to purchase a home in Canada, you can qualify for a Canadian mortgage - often at the same ...
09/02/2022

If you are a newcomer looking to purchase a home in Canada, you can qualify for a Canadian mortgage - often at the same interest rates as Canadian citizens.

However, owning a property in Canada does not expedite your immigration process.

More posts are coming for newcomers, as this topic is hot in recent months.

I personally love to work with first-time homebuyers. I simply help young people to live at their own beautiful home whe...
08/31/2022

I personally love to work with first-time homebuyers. I simply help young people to live at their own beautiful home where they start to collect warm memories ♥️

First-Time Home Buyers by the Numbers:

▪️ 81% of first-time home buyers use a low-down payment mortgage
▪️ First-time buyers are more likely to buy urban property at 62%
▪️ 47% of first-time buyers are unmarried

If your bank offers you an automated mortgage renewal, it’s still a good idea to chat with your mortgage professional as...
08/25/2022

If your bank offers you an automated mortgage renewal, it’s still a good idea to chat with your mortgage professional as there are might be better rates and terms for your renewal.

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Toronto, ON

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+16474705690

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