MY MORTGAGE
GIRL GISÈLE

Your mortgage agent in Windsor–Essex. Buying your first home, renewing your mortgage or exploring refinancing? Gisèle Levasseur helps buyers and homeowners across Windsor–Essex understand their options and find mortgage financing that fits their lives. Get personal guidance, clear answers and support from your first conversation to closing day.

LET’S CHAT

DOWNLOAD MY MORTGAGE TOOLBOX

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!

Mortgage Agent Level 1 | License #M25002392 | Evolv Mortgage Group, Dominion Lending Centres National Ltd. | FSRA brokerage #13833

LET’S CALCULATE YOUR MORTGAGE PAYMENT

Please note: This is an estimate tool. The CMHC fee shown is an estimate and may not be 100% accurate. Final amounts can vary slightly based on changes to your down payment, mortgage amount, or insurance premium updates. Always check with your mortgage professional for the most up-to-date figures.

Loan Details

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$100K $2M
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%
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Payment Breakdown

$2,839
Monthly Payment
Mortgage Amount
$400,000
Total Interest
$451,700
Total Cost
$851,700
CMHC Insurance
$0
Principal & Interest: $2,839
Property Tax: $0
Total Monthly Payment: $2,839

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

Start with a conversation! I’ll review your income, employment, down payment, existing debts and credit history to help you understand your mortgage options. From there, we can work through the lender’s pre-approval process so you have a clearer picture of your potential buying budget and payments before you start house hunting. A pre-approval isn’t a guarantee of final financing. The lender still needs to approve the property and confirm that your financial situation continues to meet its requirements.

I recommend reaching out about four to six months before your mortgage renewal date. This gives us time to review your current mortgage, discuss what’s changed in your life and compare available options. Before you sign your lender’s renewal offer, let’s look at the rate, payment, prepayment privileges and other terms together. The goal is to find a mortgage that fits your needs today. Reviewing early doesn’t mean you have to renew early—timing, rate holds and any potential costs depend on your lender and mortgage contract.

Yes—being self-employed doesn’t automatically prevent you from qualifying for a mortgage. The process may involve additional documentation to help the lender understand your income and business history. Lenders commonly ask for two years of personal tax returns and Notices of Assessment, and may also request business financial statements, proof of business ownership or business bank statements. Requirements vary by lender and mortgage program. Whether you’re a business owner, freelancer or independent contractor, I can review your situation and help you understand the options available. If you’re newly self-employed, let’s talk about what may be possible now and how to prepare for a future application.

When you go directly to a bank, you’re generally choosing from that bank’s mortgage products. A licensed mortgage agent can explore options from the lenders available through their brokerage, although not every lender works with mortgage agents. As your mortgage agent, I help you compare suitable options, explain the terms, gather your documents and guide you through the application process. We’ll look beyond the interest rate to consider payments, flexibility, penalties and how the mortgage fits your goals.

Absolutely! I offer virtual and in-person appointments, so we can connect in a way that works for you. Whether you’re buying in Windsor, Tecumseh, LaSalle or elsewhere in Essex County, we can discuss your goals, review your mortgage options and work through next steps remotely. Reach out to arrange an appointment that fits your schedule.

You don’t need to have everything ready before we talk, but these documents are a helpful starting point:
  1. Government-issued identification.
  2. A recent employment letter and pay stubs.
  3. Recent T4 slips and Notices of Assessment, if requested.
  4. Bank or investment statements showing your down payment funds and their history.
  5. Details of outstanding debts, including loans, credit cards and lines of credit.
  6. Your current mortgage statement, if you already own a home.
  7. Your purchase agreement and property listing, if you’ve already made an offer.
  8. If you’re self-employed, additional tax and business documents may be needed. I’ll give you a personalized checklist based on your situation and the lender’s requirements.
REVIEWS
Apply. Approve. Close. Repeat

Contact me today to discuss
your homeownership dreams

 519-999-0901
 mymortgagegirlgisele@gmail.com
 Book An Appointment

Mortgage Agent Level 1 | License #M25002392 | Evolv Mortgage Group, Dominion Lending Centres National Ltd. | FSRA brokerage #13833

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Apply. Approve. Close. Repeat
Looking for a mortgage agent in Windsor–Essex? Gisèle Levasseur works with buyers and homeowners in Windsor, Tecumseh, LaSalle, Lakeshore, Amherstburg, Essex, Kingsville and Leamington. Whether you’re preparing to buy your first home, reviewing an upcoming renewal or considering refinancing, Gisèle offers personal mortgage guidance with in-person and virtual appointments available.

Contact me today to discuss
your homeownership dreams

 519-999-0901
 mymortgagegirlgisele@gmail.com
 Book An Appointment

Mortgage Agent Level 1 | License #M25002392 | Evolv Mortgage Group, Dominion Lending Centres National Ltd. | FSRA brokerage #13833

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