Your future home won’t cost you an arm or a leg if you set a proper financial plan. So, before you jump-start the homeownership process, it’s important to understand your financial picture. It will give you an idea of the type of mortgage product you will have to opt for. However, as a house is a significant investment and a mortgage is a major responsibility, it’s advisable to seek guidance from an expert who is well connected with various financial resources, like a mortgage broker. 

Many of us say that money doesn’t drive us. Common excuse: “I will never be a millionaire, so might as well live day by day!”. We have to admit, though…. Whether we like it or not, the ill-fated dollars and cents drive our lives. It’s based on how much we can earn that determines what we buy, where we live, how we live!

The COVID-19, or coronavirus, has left all of us in an unprecedented situation with unknown threats, the fear of financial instability, and with the uncertainty of an unknown and scary near future.

Finding the right mortgage that suits your needs and fits your budget requires you to go through several intricate steps. You need to consider the rate of interest, terms of payment, and also other factors such as the lender’s experience and reputation. As a layperson, shopping for a mortgage can be difficult and confusing. Therefore, it’s best to enlist the services of an experienced mortgage agent. 

Most lenders require a beacon score of 650 points to qualify for a regular bank mortgage.

Here’s a little summary to show you how credit scores are compiled:

Are you taking advantage of Internet Banking to maximize your credit score, and even repair your credit, if needed? Sounds crazy? Not really... The main reason for low credit scores and credit troubles is due to the fact that people commit to borrow when they think it's affordable, and then fall for the traps of the marketers. "Don't pay for six m

As a layperson, finding insurance or mortgage products that compliment your needs can prove to be quite a difficult task. To ensure that you get the ideal insurance policies and lucrative mortgage products, it’s advisable to enlist the services of a mortgage agent, insurance, and investments advisor to help you sieve through your options and make the right choice. With so many professionals available, it can be daunting to sieve through the options and make the right choice. To help make this selection easier, here’s a list of the top five things to look for when hiring a mortgage agent, insurance, and investments advisor.

Stay well informed, make sure you are dealing with reputable professionals, don't be afraid to ask questions, and if it sounds suspicious, it probably is...

It is ok to ask to take away paperwork and have it seen by another professional, before you commit to sign.

Thanks for stopping by my blog. If you’re looking for more information about Victor Matos –Financial Services, you’ve come to the right place.

From our family to yours, we wish you a Merry Christmas and a Prosperous New Year 2020!

We would like to inform our clients that our holiday hours may be reduced on Christmas Eve and on December 31, 2019. But appointments can still be arranged by calling (905) 541 5242. For any other assistance, feel free to get in touch with us by clicking here.

I’m Victor Matos, the proud owner of Victor Matos Financial Services Inc, operating as a mortgage agent, insurance, and investments advisor.

I look forward to sharing my story. I hope that you will enjoy getting to know me better.

“Why should I?” - that would be your first reaction, obviously.... you still have months or years to go before your current term is due, so leave it alone... or maybe not...

Here are some tips and information: Statistics show that in Canada, about 7 out of every 10 mortgages are arranged with mortgage brokers! And a good part of them, are funded by Banks! Then why use a Mortgage Broker?

If you’re looking for a mortgage in Hamilton, ON, it’s crucial to pick a reliable professional with optimal solutions. Finding a suitable mortgage on your own can be challenging if you have limited experience in this field. Moreover, making the wrong choice will directly impact your financial stability and living standards. Therefore, it’s essential to choose a mortgage agent who you can count on to help you with your mortgage needs.

When renewing or refinancing your mortgage, or when purchasing your home, the sheer size of a mortgage can put a strain on your finances. However, financial goals, such as saving for retirement or having sufficient health cover, are just as essential. So, consulting a mortgage and insurance agent who provides various types of mortgage and insurance policies could be the perfect solution.

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I have a serious matter to discuss with you - life insurance.

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