Rampone-Marsh Kelowna Mortgage Services
Mortgages, Financing and Lending Specialists
Kelowna – Vernon – Penticton
This is one of the most important financial decisions you will ever make! Understanding all the mortgage options available to you can seem overwhelming. We will help you make sense of all the numbers and ensure you a speedy and stress-free home buying experience by providing you with options that have flexible terms and the lowest rates. Remember there is no cost to using a Mortgage Broker. A fee may only be charged in the most credit challenging circumstances.
Self-employed income is becoming more and more prevalent in today’s day and age. If you are self-employed or you use a corporation to reduce your income and taxes, the government has recently made some changes that will affect your mortgage qualification. We specialize in working with business owners and professional clients whose financial situations aren’t all that straight forward.
Private lending or a private mortgage means getting the financing you need from a private mortgage lender, as opposed to applying to a bank or other financial institution for a loan. There are advantages and disadvantages to a private mortgage, but the most important thing you should understand is that private lending covers a broad range and can be tailored to each homeowner’s specific needs.
Thinking you would like to crunch some numbers?
Why not have a look at our mortgage calculator!
Purchase Plus Improvement Mortgage
With so many homes needing updating out there, this program is ideal for any homebuyer wanting to include renovation funds into their mortgage. Did you know you can do this with as little as 5% down? Give us a call/email or even a text and we can explain the process with you. We can even recommend some honest contractors that will provide you with renovation ideas as well as clear, concise renovation quotes! Remember….our only goal is to help you obtain the best mortgage possible!
Mortgage Renewal and Refinancing
It you’re needing to access affordable capital, quite often your home is the best option for this. Unlocking the equity in your home is simple. Are you looking to refinance your property to pay off debts or an unpredicted expense? We can help! Maybe you want to start a new business, buy a vacation pull money out for an investment opportunity? We can help! Regardless of the reason, we will discuss all your mortgage refinancing options with you and help you to secure the best mortgage available on the market.
Vacation and Rental Properties
Dreaming about buying a vacation property? This is something we specialize in. Did you know you can buy a second home with only a 5% down payment? We can help you determine what you can afford and provide a home financing solution that will help you realize your dreams for a perfect getaway. You may be in a position to use the equity in your current home to help you purchase a vacation home. Remember, we’re always happy to help and our service is completely free to you.
Here are just a few of the lenders we have developed an excellent working relationship with.