MY MORTGAGE
GIRL GISÈLE

Whether it’s getting your first mortgage, refinancing, or moving your mortgage in Windsor-Essex, #mymortgagegirlgisele can help!

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ABOUT ME

Hi! It’s #MyMortgageGirl Gisele, so nice to meet you.

A little about me…

I’m here to help. Help you not only with your home and mortgage, but your overall financial picture. I want to show you how you can achieve the lifestyle you’ve earned.

There is more to buying your first or next home than interest rates and mortgage options. It’s about how we can get you completely set up in the home you want today and a full financial plan for your future. Not just a transaction but a carefully curated path.

Let’s talk. I am available at your convenience – in person or virtual; day or night. Whatever works best for you.

CALL OR EMAIL ME TODAY!

LET’S CALCULATE YOUR MORTGAGE PAYMENT

Keep in mind this is an estimate tool. Be sure to talk to me so we can finalize all the details.

Toronto Real Estate

FAQ

Buying a home is a major decision. Whether you’ve just started your research or are actively house-hunting, I can help provide you with the personalized advice and solutions you need to make your home ownership goals happen.

We’ll work together to ensure your financing suits both your current and future needs, you can feel confident that you’re working with an expert who has your best interests in mind.

Have another question?

ASK ME!

Renewals allow you to continue with your mortgage, at the updated interest rate with the same lender. You will have the remaining balance on your mortgage, the remaining amortization and the latest interest rate options are currently being offered. In most cases, renewals do not require further approvals, documents, or applications.

Transfers are when you switch lenders. Ideally it is for better rates or payments, and you will be lending from and paying to a different financial institution. You do have to re-qualify and gain approval when transferring however it is often for the right financial goals.

There are two sides to your application. Your financial picture and the Property. A pre-approval is issued based on the information about You. It does NOT include the information about the house you want to purchase. In rare instances, something negative could come back as part of the review that could lead to your bank or CMHC to decline property financing. A financing condition allows you out of the agreement should this occur otherwise you could be legally obligated to purchasing the home.

Banks and mortgage lenders look for similar information on your mortgage application, ultimately your ability to meet the loans obligations and payments. The four main factors are:

Your Credit History (i.e. credit score, credit activity and payment history)
Financial proof of your Down Payment and Closing Costs
Employment Income Verification
Debt-to-Income Ratio (current payments relative to your income).

REVIEWS

I had an amazing experience with Gisele. My clients were very impressed with how well she explained the process and how she was always available for them. I highly recommend working with Gisèle if you’re looking for a mortgage professional. - Patrick

Gisèle was nothing short of awesome. She helped my boyfriend and I navigate through getting our first mortgage and helped in ensuring we had all the information we needed. She was always a text or call away. I highly recommend Gisèle. - Bailey

Thank you Gisèle for being part of the process in getting me in my home. It’s a project I’ve been looking for which will definitely pay off. I’m so happy I searched around and found you. Your knowledge and individual attention made my personal experience a smooth process. - Lisa

Can’t recommend Gisèle enough! She was so patient with all of my questions and helped me through every step of the mortgage process. I am finally a homeowner and couldn’t have done it without Gisèle’s help. Thank you a million times over! - Alberto

Gisèle is a knowledgeable mortgage specialist with an energetic and passionate approach to her work! I trusted her with the mortgage on my personal residence and have referred a number of clients to her who she has been able to help as well! - Alex

Gièele was exceptional at helping me with the purchase of my first home. She was readily available to discuss different questions I had and helped me with every step of the process to ensure it went smoothly. I would highly recommend working with Gisèle if you're looking to buy your first (or second, etc) home. Thank you again for all the hard work you put in and help you provided every step of the way. - Sean