Let's Get You Closer To Your Dream Home
Looking for a mortgage in Ontario? You’re in the right place. I specialize in helping homebuyers, homeowners, and investors across Ontario secure the right mortgage solution for their unique needs. Whether you're buying your first home, refinancing your current mortgage, consolidating debt, or investing in property, I’ll guide you through the process with expert advice and personalized service. My goal is to make mortgage approvals simple, stress-free, and tailored to your financial goals. Let's get you one step closer to homeownership today!
RUEBEN MURRAY
Your Preferred Mortgage Agent
A Caribbean native with a robust entrepreneurial background, Rueben holds invaluable experience in financial management and customer service.
As a diligent advocate for clients, Rueben understands that each individual or family has unique financial goals and circumstances. Whether it's a homebuyer navigating the market for the first time or a seasoned investor seeking optimal financing solutions, Rueben provides personalized attention and tailored advice to ensure the best possible outcomes.
Your top mortgage questions, answered
Common types include conventional/high ratio, open, closed, convertible, hybrid and reverse mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed interest rate stays constant throughout the mortgage term, leading to predictable monthly payments. An adjustable interest rate can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan on the with bad credit, there are still options available. "B" side and private lenders have more flexible credit requirements, and there are lenders who specialize in working with borrowers with less-than-perfect credit.
