https://www.perrysmortgages.ca/blog daily 0.75 2022-06-14 https://www.perrysmortgages.ca/blog/blog-post-title-three-85dgt monthly 0.5 2020-05-20 https://www.perrysmortgages.ca/blog/blog-post-title-four-6bgxr monthly 0.5 2020-05-20 https://www.perrysmortgages.ca/blog/blog-post-title-one-jym24 monthly 0.5 2020-05-20 https://www.perrysmortgages.ca/blog/blog-post-title-two-zj77b monthly 0.5 2020-05-20 https://www.perrysmortgages.ca/events daily 0.75 2023-02-07 https://www.perrysmortgages.ca/events/creativefinancingcmls monthly 0.5 2023-02-07 https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/b9489625-e879-439b-9b14-da56eeb02169/Event+Fireworks+Social+Media+Graphic+%28Poster+%28Portrait%29+%2818+%C3%97+24+in%29%29+%28496+%C3%97+661+px%29.png Events - Creative Financing in 2023 - It’s no secret that mortgage financing has gotten increasing complicated for even the most straightforward of borrowers in the past year. So heading into 2023, everyone from your everyday employed client with an excellent credit score to your self-employed family, your bruised credit client or your near retirement investors will just keep getting harder to approve. That’s where lenders like CMLS and Aveo come in - between them, they have mortgage products to meet just about every set of needs. So, I’ve invited them to join us in the HomeLife Golconda Board Room on Wednesday, February 15th to give us an in-depth look at how we can support even your clients with the most diverse lending needs. Please let us know if you’ll be attending by RSVPing below - so we can be sure to have enough coffee and morning snacks on hand! Can’t wait to see you there! https://www.perrysmortgages.ca/realtor-mortgages daily 0.75 2022-07-13 https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/3e914ce7-5d2a-4296-8efe-dd226fa36134/Untitled+design+%2864%29.jpg Realtor Mortgages - Not all lenders are created equal. If you’ve been struggling to secure financing for your own purchases as a realtor or commission-based sales professional, it’s likely because many lenders require documentation that is simply not available to you. But in my practice I work a number of lenders who not only specialize in working with commission-based professionals, but also require very little documentation to confirm income - and many are lenders that you won’t find anywhere else. https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/1b808d62-f96d-40dc-9d53-4b6657d0fc36/Untitled+design+%2865%29.jpg Realtor Mortgages - Keeping it simple. When you work in commission-based sales your world is fast-paced, and you don’t have time to chase down tax documents or compile excessive information to prove your income. So, to ensure your mortgage process goes as quickly and smoothly as possible I have cultivated great relationships with some of the best Canadian lenders that only require 6 months of your commission statements - that’s it! https://www.perrysmortgages.ca/home daily 1.0 2022-09-29 https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/449e83d3-ded7-434a-9917-eb3a1e68726f/Untitled+design+-+2022-07-12T131826.016.png Home https://www.perrysmortgages.ca/contact daily 0.75 2022-07-13 https://www.perrysmortgages.ca/reversemortgages daily 0.75 2022-07-12 https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/73457b11-1054-48ea-8767-2bb4fdaed373/Untitled+design+%2870%29.png REVERSE MORTGAGES - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg REVERSE MORTGAGES https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg REVERSE MORTGAGES https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607628784608-5D22G9GPLHDSAB2IXC2G/Large+JPG-Aro+Ha_0638.jpg REVERSE MORTGAGES https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607638148090-Y6OFDI575CM3NQV732RJ/Large+JPG-Aro+Ha_0387.jpg REVERSE MORTGAGES https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg REVERSE MORTGAGES https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589847743861-GWVMBPD7Z7WQRQL9IZZ8/Large+JPG-Aro+Ha_0380.jpg REVERSE MORTGAGES https://www.perrysmortgages.ca/firsttimebuyers daily 0.75 2022-07-13 https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/b5f00d2b-43a3-41c9-af43-a44d6b5425ee/Untitled+design+%2869%29.png FIRST TIME HOME BUYERS - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg FIRST TIME HOME BUYERS https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg FIRST TIME HOME BUYERS https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg FIRST TIME HOME BUYERS https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589847743861-GWVMBPD7Z7WQRQL9IZZ8/Large+JPG-Aro+Ha_0380.jpg FIRST TIME HOME BUYERS https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607628784608-5D22G9GPLHDSAB2IXC2G/Large+JPG-Aro+Ha_0638.jpg FIRST TIME HOME BUYERS https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607638148090-Y6OFDI575CM3NQV732RJ/Large+JPG-Aro+Ha_0387.jpg FIRST TIME HOME BUYERS https://www.perrysmortgages.ca/investmentproperties daily 0.75 2022-07-13 https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/480e3225-b093-456e-82ac-e9dedb42c183/Untitled+design+%2871%29.png INVESTMENT PROPERTIES - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/1655227082221-BT7TULQAORU1GNUW3R7W/unsplash-image-D_4R9CcYZOk.jpg INVESTMENT PROPERTIES - Rental/income properties. Investing in income properties is a prudent way to build your investment portfolio, enjoy tax benefits, increase your monthly income and support your overall wealth. Whether you are a real estate professional or just a smart investor, I am here to help you purchase your first investment property or your fifth! If you are planning to make your first rental purchase, some things to keep in mind: Rental mortgages require a minimum of 20% down payment. However, some lenders will allow for a portion of this amount to be borrowed from existing equity or the bank of mom and dad. Not all rental mortgages are created equal. Depending on the lender and the product, the way rental income is considered varies. I will help you choose the mortgage that gives you the most borrowing power with the least overhead. Consider that if you invest in a multi-unit rental and live in one of the units, it could be considered owner occupied and get you a better rate with more flexible terms. If you are ready to start your real estate investment journey, schedule a call today! https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/1655227012870-XZUYE9T6FBK02MZE68NO/unsplash-image-yaAh6fIp9NE.jpg INVESTMENT PROPERTIES - Vacation properties We all dream of a cozy cottage hideaway to spend our summers away from the bustle of the city. If you’re ready to take that plunge, I can help you finance it. Securing funding for a vacation property is very similar to a second home, but with a few specifics to consider. Lender policies tend to be stringent around which types of properties they approve. They look for things like: Quality properties with year-round road access Residential-standard water and septic system, electrical and heating Used for recreational purposes Lender restrictions vary around short term rental when you are not using the property yourself. It’s important to find the right lender for your needs to ensure you can make full use of your new hideaway as planned, and I have strong relationships with the best of them! https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/1655226863025-A6ARGUKIPNL8YW10ME1W/unsplash-image-qvIHG1eFvps.jpg INVESTMENT PROPERTIES - Second home/owner occupied. Are you planning to buy a new home without selling your current one? Investing in a home for your kids to live in while they are off at school, buying the perfect next home before finding a seller for your current one, or buying your new home while keeping your first as a rental? There are some important factors to consider, and I can help! To qualify, we will need to prove to the lender that you can carry both the mortgage and the carrying costs of both properties Rental income is considered with a lease agreement if you are renting your first home Most often, a second home requires a down payment of 20%, but if both properties will be occupied by immediately family members rent-free, you may be eligible for a high ratio option (as little as 5% down). Note: High ratio options do not apply to cottages or recreational properties. https://www.perrysmortgages.ca/testimonials daily 0.75 2022-06-10 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg Testimonials https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg Testimonials https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg Testimonials https://www.perrysmortgages.ca/selfemployedmortgages daily 0.75 2022-07-13 https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/1657744959999-9SI5GEJG6533LZ0QR1P4/Untitled+design+-+2022-07-13T134120.536.png Self Employed Mortgages https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/1657744977593-DZKQTV57COZLZKF0VQBD/Untitled+design+-+2022-07-13T133946.251.png Self Employed Mortgages https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/1657744991597-P5TKSKL0TV5H54BJTQDW/Untitled+design+-+2022-07-13T134035.376.png Self Employed Mortgages https://www.perrysmortgages.ca/otherservices daily 0.75 2022-06-11 https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/1654966126067-711DZNP3HQIAVY61DTQY/unsplash-image-XeYmx-qBsUk.jpg Other Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.perrysmortgages.ca/meet-perry daily 0.75 2022-08-04 https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/3513eff5-f35d-4981-8306-0e7d57237e38/Perry+Pappas+Head+Shot.jpeg MEET PERRY - Hello! I'm Perry Pappas. I have worked as a mortgage broker in Toronto for many years. Born and raised in Toronto, I understand the market. And I work hard to get you the very best mortgage rate. I am not tied to any single bank which means I can shop around to get you the best rate. Here is where we should write a bit more of a detailed backstory - what makes Perry, Perry? https://www.perrysmortgages.ca/application daily 0.75 2022-07-06 https://www.perrysmortgages.ca/key daily 0.75 2022-07-06 https://www.perrysmortgages.ca/linesofcredit daily 0.75 2022-10-19 https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/1afd5765-e442-4f05-bb53-334c2d04f01c/Untitled+design+-+2022-07-05T100702.868.png LINES OF CREDIT - For commission-based sales professionals. There are countless commission-based careers out there and it seems like that number is only growing in the post work-from-home era. With no guaranteed income month to month, many banks make the borrowing process difficult. But I specialize in helping commission-based pros access the equity they’ve earned to invest in the things they need to grow their businesses or their personal wealth. If you are a commission sales professional, I can help you: Qualify using 100% of your commission income No tax documents required! Fixed rates - don’t worry about fluctuating interest rates No upfront, monthly or annual fees Closing costs and processing fee can be paid by credit line itself A home equity line of credit is a perfect tool for commission-based professionals to: Create a cushion for slower sales months Develop an investment portfolio to support your long term financial well being Invest in income properties to supplement sales income Or support your personal financial growth in any way you see fit! https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/c11dcd80-e527-4273-b296-29c265ba6d0c/Untitled+design+%28100%29.png LINES OF CREDIT - For realtors. Just like a mortgage, qualifying for and obtaining a line of credit as a realtor can be a daunting process. But I have found the best credit line products on the market, designed for realtors and are quick, simple and savvy to obtain and can make growing your real estate portfolio easy! Qualify on 100% of your commission income No tax documents required! Fixed rates - don’t worry about your credit interest fluctuation 100% of rental income considered for approval Take advantage of the wealth you’ve built in your properties to grow your investments today! A home equity line of credit is a perfect tool for realtors to: Put a down payment on their next investment property Renovate or add legal suites to existing properties Pay out high interest private mortgages Consolidate business and personal debt Invest in marketing for your real estate business The sky is the limit! https://images.squarespace-cdn.com/content/v1/62a3a1f5ce59231324ff6944/27c1c481-dbd2-4471-ab96-eca40e8511b3/kal-visuals-PFC2fY9LE_g-unsplash.jpg LINES OF CREDIT - For small business owners. If you are a small business owner, you no doubt understand the importance of having access to cash flow to keep the show on the road. And while you work tirelessly to keep the money rolling in, having access to a secure line of credit in case big expenses come up or to fill gaps along the way is a great idea! A HELOC is a perfect way to fund: Large pieces of equipment for your business Big inventory purchases A physical location for your business to call home Cash to cover expenses during times of growth. If you are ready to invest the wealth you have in your home back into growing your business, let’s connect and discuss the best home equity line of credit option for you! All we need to get started is 6 months of bank statements - no tax documents required! https://www.perrysmortgages.ca/privacypolicy daily 0.75 2022-07-12