Welcome to BELLEVILLE MORTGAGES website!
Your mortgage tailored specifically for you.
Today's Mortgage Rates
As an independent mortgage agent, I shop around for the best rates for you. I also help you to understand the various mortgage options available to you. Call me for our latest rates.
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What's New In Mortgages?
Check out our News & Events page to see our latest blog posts on what's new with respect to mortgages.
Learn, for example, The Four Key Steps To Getting a Mortgage.
Watch our video on How to Save Money On Your Mortgage.
If you are thinking of breaking an existing mortgage contract, consider watching our video Breaking a Mortgage Penalties.
And this article tells you about the key advantages of utilizing an independent mortgage agent to find you the best mortgage for you.
Rhonda Schmidt – Your Mortgage Broker
Hi! I’m Rhonda Schmidt, and I am your mortgage specialist located in Belleville, Ontario. If you are looking for mortgages in Belleville or anywhere in Canada, I can help! I will work hard for you to help you realize your financial freedom and save you money! It is my mission to be your first choice when it comes to mortgages. I’m passionate about finding the best mortgage I can for my clients. Mortgages are much more than just ‘interest rates’. There are important terms and conditions that you want the best advice on, and I will do my best for you!
Are you a first time home buyer? I will guide you through the mortgage process, making your first home purchase easy and stress free! If you are interested in a mortgage renewal, or in refinancing, I can help you save money, and you’ll pay less.
Tips Before You Buy Your Home
Strengthen your Credit Rating
The first and one of the most important steps you should take before applying for a mortgage, is to find out what your credit reports say about your financial history, because your credit rating will drive what is offered to you for interest rates and monthly payments. The higher your score, the lower your payments.
Set a Budget
Next, sit down and figure out what you can afford – so that you can purchase a home that’s financially comfortable. For conventional loans, a safe formula is that home expenses should not exceed 28% of your gross monthly income. Consequently, if you want to be able to out to a movie, or treat yourself to a nice dinner, a concert or a holiday, you can if you buy within your budget.
Learn How Mortgages Work
Then get familiar with mortgage laws, structure, options and current rates. This will help you decide on the right loan and lender which is critical to your home buying success. We can help you better understand the loan process.
Get a Mortgage Pre-Approval
A key recommendation is to get a pre-approval before looking for a home and then you will know the price range you can afford. This will also speed up the closing of your home purchase once you have decided to proceed.
Buy a House You Like
Finally, if you are buying a home for you and your family, buy one that you will be happy living in for the next few years. Short-term ownership can be an expensive proposition if you decide to resell, depending on your downpayment and how much it would cost to sell and re-locate. Make sure you really like the house.