Purchase

Purchasing a property is the largest investment most people make during their lifetime. At Kupina Mortgage, we want to ensure that every purchaser is aware of the mortgage options available, helping them make an informed decision. Our network consists of 90 different Canadian lenders offering convenience in obtaining the best rates and mortgage products. We offer financing products for residential, commercial, investment and newly constructed properties. Whether you are a first-time-homebuyer, seasoned homeowner, real estate investor or building your dream home, we make property ownership a reality.

An important step in beginning the mortgage process is a Pre-Approval. A Pre-approval is beneficial to a purchaser for the following reasons:

• * The interest rate is guaranteed for up to 120 days. If the interest rate increases you are able to secure the interest rate specified in your pre-approval. If the rates decrease, you are able to secure the lower rate.
• * It outlines the exact mortgage amount you are able to borrow. This is beneficial in narrowing your property search as you know your maximum purchasing capabilities.
• * Having your finances in order puts you in a favorable position with sellers as it ensures them you are able to close on the property.

Securing a pre-approval is something every potential property owner should do. Contact a Kupina Mortgage agent today or apply online for a free assessment and pre-approval.

RESIDENTIAL

Residential properties typically include newly built, resale, detached, semi-detached, townhouses, apartments, free-hold and condominium homes. They may also include vacation properties, cottages, chalets or small farms.

Buying a home is an exciting milestone! Whether you have found a new home or still searching, it is important to obtain the right financing. There are plenty of lenders in today’s market that make it convenient to acquire a residential mortgage. New programs and products are regularly being launched and innovative alternatives such as interest only loans, open/closed mortgages, home equity line of credit, flex-down payments, self-employment solutions and many others are entering the purchasing landscape.

Having all these available options is great if you have the time to research and visit the various institutions…that’s where we step in! Our experience combined with our network of lending institutions allows us to place your mortgage with the most ideal lender offering a competitive and customized mortgage product for your home. Our agents are available at your convenience to assist you in all your residential mortgage needs.

COMMERCIAL

Commercial Mortgages are designed for businesses and investors who wish to purchase or refinance commercial, income producing properties and offer a flexible way to raise capital.

Commercial financing covers a wide variety of products including:

• * Income properties (hotels, restaurants, gas stations etc.)
• * Multi-family residential properties (5 or more units, high-rise apartments)
• * Industrial/warehouse properties
• * Office properties
• * Malls, plazas and retail properties
• * Raw land financing

In commercial lending it is prudent to consider all variables in order to provide the most effective and supportive financing for your venture. Since rates and terms vary depending on the amount and type of property, contact a Kupina Mortgage agent to better serve you and your commercial loan.

INVESTMENT

Real Estate investment financing consists of income-producing properties. An important part of building a successful investment portfolio is having a sophisticated financing strategy. Many times a lender will only consider the transaction at hand when selecting a mortgage product; this in turn could compromise the investor in qualifying for additional properties. It is imperative for the mortgage professional to understand the investor’s short and long term investment goals and strategy.

The Kupina Mortgage team’s background as real estate investors and ongoing commitment to provide quality financial resources ensures you get the leverage you need for your investment goals. Our impulse to strive further guarantees you get creative results that correspond to your investment needs. Contact a Kupina Mortgage agent for your next investment venture.

CONSTRUCTION

Construction mortgages are attractive for those who are looking to build a new home, vacation property, develop raw land or renovate an existing property. Typical construction financing products include conventional or insured mortgages, self-employed construction loans, interest-only payments, purchase plus improvements loans and progress advance mortgages to name a few. Although this type of financing can be complex, Kupina Mortgage is available to guide you through the process from acquiring land to construction completion.

Our construction loans include competitive mortgage rates and terms from Canada’s largest lending institutions. Kupina Mortgage makes it possible to build your new home, at an affordable cost while having at your side our guidance and expertise. We welcome all handymen, builders and owners to bring their repairs and plans so we can enhance your project with proper funding.