Whether you’re looking to purchase your very first home, upgrade to a new home, renew your existing mortgage, refinance your mortgage to free up some equity, purchase investment properties or vacation homes, build a home or commercial property or lease business-related equipment, Ethel is here to guide you through the process.
Ethel will search the lending products to find the best possible mortgage solution tailored to you. Ethel works for you - to ensure you receive the best rates and products available in today’s marketplace.
Ethel provides for residential clients a no charge consultation to advise a client the pre-authorized mortgage amount based on their current disclosed financial situation. The mortgage application process can be stressful and she offers pre-authorizations to proposed clients to ensure that when the client submits an offer on the home of their dreams that they will be confident that they qualify for the financing prior to submitting the offer.
Ethel also provides with pre-authorizations the estimated fees and closing costs to ensure that the client does not have buyer’s remorse due to unknown or unforeseen costs during the home buying process.
If a client is just starting the home buying journey or has hit a financial road bump and recovering and requires consultation on what is required to get to where they need to be, Ethel is happy to assist. Ethel will provide a financial snapshot of where the client is currently in the home buying process and what is required in the next steps to get to where they want to be…
If you’re looking to access some of the equity in your home or you have a mortgage that is up for renewal in the next six Canadians face many reasons today to Refinance their Mortgage. For example, you may have been working at improving your credit score and now qualify for a new mortgage with a better discount, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed-rate.
Refinancing is also a good option to pull out equity for consolidating debt, home improvements, investments, college expenses, and more. While most Canadians spend a lot of time, and expend a lot of effort, in shopping for an initial mortgage, the same is generally not the case when looking at mortgage term renewals.
Generally, it is a good idea to start shopping for a new term between four and six months before your current mortgage term expires. Your mortgage is one of your biggest expenses. For this reason, it is imperative to find the best interest rates and mortgage terms you possibly can. By shopping around at renewal time, you can save substantial amounts of money over the life of your mortgage loan. Do not be one of the 60% who just simply sign their renewal letter and send it back.Use the profession mortgage services Ethel provides to ensure the lenders compete for your business… you have options. Often a quick phone call can result in huge savings.
"dedicated in assisting clients in making responsible informed decisions"
Ethel Lariviere is a Mortgage Broker with DLC-Blue Tree Mortgages WEST
Purchasing a home is the single largest investment most of us will make in our lifetimes. As a licensed Mortgage Broker, my role is to assist you in making good decisions on how you finance your home both at the time of purchase and also down the road when it’s time to renew or refinance.
All lenders are not created equal; I understand what makes them different and recommend the mortgage solutions best suited to your needs. Rates are always important and at BlueTree we provide you with discounted rates from most major lenders including banks, credit unions, and trust companies.
