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TMG The Mortgage Group Atlantic Inc.
Let me help you finance your home!让我帮您完成房贷申请
Find your personal Mortgage Specialist 找到您的私人房贷专员
Purchasing a home is an important decision and you should be confident about your investment. I will work with you personally to offer you valuable insight throughout the process, save you time and find the mortgage that best suits your situation. 购买房屋时一项让您有信心的重要投资决定。我将为您提供最适合的房贷产品以节约宝贵的时间。
  • Expertise专长
    I will provide you independent expert advice on your financial options. I am not tied to a specific lender or products so I can offer you mortgage products that will best match your specific needs. 我将提供独立的专业建议.由于我不仅代表一家房贷放贷机构因此我可以提供最适合您的房贷产品.
  • Save you time with one-stop shopping 通过一站式房贷申请机构节省您的时间
    Instead of spending your valuable time meeting with competing mortgage lenders, I can quickly narrow down the list of lenders that will help you achieve your financial goals. I will make your comparison-shopping fast, easy, and convenient. 您无需花费宝贵的时间与不同房贷放贷机构商讨,我将聚焦于那些满足您财务目标的放贷机构.更快,更便捷
  • No charge to you 无需花费
    There's absolutely no charge for my services on typical residential mortgage transactions. Like many other professional services, such as insurance, mortgage brokers are paid a finder's fee when we introduce dependable clients to a financial institution.您无需向我另外支付服务费,因为银行等金融机构会向我支付.
Why Should You Use My Services? 为何选用我的服务
I will negotiate on your behalf. Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. And even if you have an existing relationship with your branch, TMG does millions of dollars of transactions yearly with a wide variety of lending institutions so we have strong lender relationships. I can use that relationship to your advantage to negotiate your mortgage to ensure you secure competitive rates and terms that benefit you.
我将代表您的利益与银行等金融机构讨价还价,TMG与他们有着长期的合作关系.我将确保您拿到最好的利率及条款.
 
I will also ensure that you're getting the best rates and terms. Even if you've already been pre-approved for a mortgage by your bank or another financial institution, you're not obliged to stop shopping! I can investigate on your behalf to see if there is an alternative to better suit your needs.
即使您手中已经有预批函也可尝试与我联系,看看有无更好的产品满足您的需要
 
Do you know about mortgage customization? All mortgages are not created equally, and depending on your financial goals, I will ensure the mortgage you receive helps you with those goals. Whether borrowing to purchase, renovate, or make your mortgage interest tax deductible, I can ensure that the mortgage you have helps achieve these financial goals since I am also a tax specialist.
您知道房贷定制吗?几乎所有房贷不尽相同,取决您的财务目标.无论是借款买房,翻新或是出于减税目的,作为报税师的我也能帮助您达到这些目标.

Think Outside the Branch for Your Mortgage 除了房贷以外的思考
New Mortgage新房贷
Need a new mortgage? I'll help you pick the right fit for you and your budget. 需要新的房贷?我来选择最合适的产品
Renewal 续约
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy. 如果是来进行房贷续约(老客户),我来帮您把关,简化这一过程
Refinancing再贷款
Sometimes, refinancing is your best option for a variety of reasons. Let me review your options and do the hard work for you! 有时由于各种原因再贷款是一个最佳选择.让我帮您做这部分有点困难的工作
Get started with your application now! 开始您的申请表填写
I'm here to help with your mortgage needs, refinancing, new home purchases or mortgage renewals. 我可以为您提供房贷申请帮助,再抵押融资,新屋购买或房贷续约
Types of Mortgages房贷种类

A fixed mortgage offers you the security of locking in your interest rate for the term of your mortgage, so you know exactly how much principal and interest you will be paying on the mortgage during the term. Terms range from 6 months to 10 years. Fixed rate mortgages offer some form of pre-payment, from 10% to 25% of the original mortgage balance each year, depending on the lender. If you wish to pay off your mortgage in full, there will be a penalty of either 3 months simple interest, or an Interest Rate Differential (IRD). The benefit of this mortgage is the rate is lower than an open mortgage, making it a more popular option if you have no plans to pre-pay it in full during the term you select.

固定利率帮您在一定期限内锁定了利率,这样在此期限内您知道自己付了多少本金及利息.期限从6个月到10年不等.固定利率房贷允许您每年提前还10%到25%不等.如果您决定付清房贷,则会产生罚金:3个月的利息或剩余期限的贷款差,取大值.固定利率房贷最大优点是低于开放式房贷,适合那些不准备在整个贷款周期会还清贷款的客户.

A variable-rate mortgage allows you to take advantage of today's low Prime Rate. Most variable rate products are set below prime, terms range from 1 to 5 years. Payments vary depending on the product or lender you choose. In some cases you can fix your payments for up to 5 years, but the interest rate will fluctuate as the Bank Prime Rate changes. In other cases your monthly payments will fluctuate depending on how many times the Prime Rate changes during your term.

浮动利率让您获得当下最低优惠利率.大部分浮动利率低于最优利率,期限是1-5年.有时你可锁定期限最长是5年的每月固定付款,但利率随着银行的最优利率发生变动.有时你的每月付款由于银行调整最优利率将发生巨大波动,产生风险.

An open mortgage allows you the flexibility to pay off some or the entire mortgage at any time, without penalty. Interest rates are usually higher and are tied to the Bank's Prime Rate.

开放式(相对固定而言)房贷让您随时可还清整个贷款而没有罚金.但利率通常高于银行的最优利率.

A secured line-of-credit allows you to access the equity in your home whenever you choose. Rates are tied to prime, usually slightly above prime. Required payment on the balance is interest only, making it a good choice where cash flow may be important. Lower interest rates compared to an unsecured line of credit. You may have a secured line of credit and a mortgage, if you have good equity in your home.

担保信贷额度是银行基于您抵押的房产而给了您一笔可用的贷款.利率与最优利率相关,通常略高于最优利率.有时只需支付利息,让您的现金流更充裕.与没抵押物的信贷额度相比利率更低.您有时可以同时申请担保信用额度及房贷,只要您有好的抵押资产.

The Rates, Today 当日利率
Because I work with a wide variety of lenders I can access competitive, lower-than-advertised interest rates. Check back often to see how these rates compare to average bank rates. 由于我与众多放贷机构合作因此我可以提供有竞争力的,低的利率产品.
How Much Can You Afford?您的负担能力
Use this mortgage calculator to help you figure things out 用计算器帮助您计算结果
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Contact me! Let's get started today! 现在就与我联系

Get in touch with me today for your free consultation!

Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help. 无论您是第一次申请房贷,房屋增值后再融资,或仅仅寻找方案,我将提供协助