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Edith Bedard

Edith Bedard

Mortgage Agent

ON LIC# 10530
Specialties: Residential Mortgages, Alternative Lending, Reverse Mortgages, Bad Credit, Self Employed, First-time home buyer, Leasing
Languages Spoken: French, English

About Me

About Me

Edith was born in the beautiful surroundings of Quebec City, and spent her summers vacationing in Maine where she was submerged in an English environment and fortunate enough to become bilingual.

Edith moved to Ontario back in 1988. Edith has worked in sales, marketing and customer service for the last 20+ years which are essential skills that she uses in her mortgage business. Edith is passionate about helping her clients while they’re making the biggest purchase of their lives; and does not take the privilege lightly. Edith continuously furthers her education in the real estate world, so that she is up to date and can help her clients acquire their personal home, or purchase investment properties to possibly accumulate wealth for their retirement.                                                                                                                                Edith looks forward to working with you and seeing your passive income and wealth increase over your future.

Call Edith for the best mortgage across Canada. Ph: 416-557-7081

Everyone is very busy with life daily activities and having to shop around, analyse the different options before deciding is time consuming and exhausting. I suggest that you delegate these tasks to me ... based on our initial conversation, I will shop around my 60 lenders; banks, credit unions, alternative institutions, insurance companies, trust and mortgage investments companies. If your situation requires private funds or commercial financing, I can do that as well. That's right, I am your personal shopper, facts finder, detailed analyst and financing handler ... all of those services without having to leave your home as we can do all of these over; zoom, phone, email, fax and digital signature is also available. Getting a mortgage today is not an easy task and being the biggest purchase you will make in your life, the decision of selecting a mortgage should be done will all the facts on the table. The people at the branch won't take the time to spell it out for you, not will be the mortgage specialists who works for the banks.  Working with me will give you all of the facts, access to 65 institutions (instead of just the top 10), VIP interest rates due to our volume discounts with our institutions, automatic rate adjustment if there is a drop in the interest rate market, most institutions will pay me a commission for selecting them as the best lender and I do all the work for you! Sweet!!! My clients are grateful for the work I did on their behalf - see my google reviews to read their comments Looking forward to hearing from you today. Mortgage Alliance is the most recognized and trusted mortgage brokerage in Canada. As a Mortgage Alliance professional, I have the expertise to get the Right Mortgage for your immediate and future needs. I work for you, not the banks, and provide unbiased guidance in your mortgage decision. We work with over 60 lenders (some offered exclusively through brokers) so you have the choice, convenience and great counsel that you deserve! I love working with First Time Home Buyers and Real Estate Investors. These two types of buyers seem to be miles apart at first glance however I see a synergy and can make it work for all parties. Are you curious yet? Contact me to find out more details. Have a wonderful day! ___________________________

Native de la belle ville de Québec, j’ai eu le plaisir de passer plusieurs vacances au États-Unis, dans l’État du Maine. Avec cette immersion je suis devenu bilingue.

En 1988, j’ai déménagé en Ontario pour un travail en vente et au fil des ans mon expérience s’est agrandie au niveau du service à la clientèle et marketing. Avec plus que 20 ans d’expérience, j’ai décidé de me lancer dans le domaine hypothécaire. J’adore aider mes clients à se positionner et faciliter le plus grand financement de leur vie – l’achat de leur maison. C’est un privilège que je ne prends pas à la légère …

Mes connaissances dans l’industries sont vastes à comparer des autres agents(es) hypothécaires car je trouve le financement pour les premiers acheteur(s), ainsi que de faire du refinancement, j’aide durant le renouvellement et pour les personnes qui font de l’investissement immobiliers avec des bâtiments multi-familles ou commerciaux, je peux vous aider aussi. Tout financement immobilier à travers le Canada.

Ma vision est de vous aider avec votre premier achat et au fil des années vous donnez les astuces pour acheter d’autre propriétés immobilières qui vous donnera des revenus additionnels ce qui augmentera vos actifs personnels et un fonds de retraite plus confortable.

Appelez-moi pour une consultation, ce sera un plaisir de vous aider.

Nous sommes tous très occupé avec les activités que la vie nous amène. Faire le ‘shopping’, l’analyse des options hypothécaires pour prendre une décision, ça prend beaucoup de temps et c'est épuisant. Je suggère que vous me délégué cette tâche …

notre conversation initiale me donnera les détails essentiels pour faire les recherches à travers tous mes institutions financières; banque, caisse populaires, institutions alternatives, compagnies d’assurances, fiducies et compagnies d’investissements hypothécaires. Si, votre situation nécessite de trouver des fonds privés ou du financement pour une propriété commerciale, je peux vous aider aussi.

Ét oui, je deviens votre ‘shopper personnel’, votre ‘inspecteur’ de faits, votre analyste détaillé et votre gestionnaire de financement ... tous ces services sans avoir à quitter votre domicile car nous pouvons faire tout cela; zoom, téléphone, e-mail, fax et signature numérique sont également disponibles.

 Obtenir un prêt hypothécaire aujourd'hui n'est pas une tâche facile et étant le plus gros achat que vous ferez dans votre vie.

La décision de choisir un prêt hypothécaire devrait être prise en prenant compte de tous les faits sur la table. L’employé de la succursale ne prendra pas le temps de vous tout vous expliquer, et ce sera la même situation pour les spécialistes hypothécaires mobiles qui travaillent pour les banques.

Travailler avec moi vous donnera tous les faits, ainsi qu’avoir accès à tous les institutions, taux d'intérêt VIP grâce à nos remises de volume avec nos institutions, ajustement automatique des taux en cas de baisse du marché des taux d'intérêt, la plupart des institutions me paieront une commission pour les avoir sélectionnées comme meilleur prêteur et je fais tout le travail pour vous!

Mes clients sont reconnaissants du travail que j'ai effectué en leur nom - consultez mes avis Google pour lire leurs commentaires

Au plaisir d’avoir de vos nouvelles dès aujourd'hui.

4 reasons why it's smart to use a Mortgage Alliance pro

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Borrowing money is harder for many self-employed Canadians. While there is broad recognition that self-employed Canadians are reliable borrowers, it may be difficult to navigate the mortgage process and the different options available specifically for this group. We can help turn the tables. These individuals may run their own businesses, or work in a profession where the main source of their income is predominately capital gains, a form of income that is generally not considered by most “A Lenders”.

We work with self-employed homebuyers every day and understand the challenges that they may face when arranging a mortgage especially with no standard proof of income. Our brokers are experts when it comes to mortgage solutions and have access to multiple options, including mortgage products designed specifically for self-employed Canadians. They can pinpoint which lenders have more favourable terms and requirements and advise you on how you can improve your options to get the best possible rate and terms.

The more complex your mortgage situation, the more sense it makes to use an experienced mortgage professional who can help simplify the process and help you achieve both your short-term objectives and your long-term financial plan. Most of all, they allow you to stay focused on your business, alleviating the burden of many time-consuming and frustrating tasks and meetings associated with securing a mortgage and will also work around your busy work schedule. Many will even travel to your work site if required to make the transaction as convenient as possible for you.

Remember, that independent mortgage professionals work for YOU, not the lenders or banks, so you can rest assured that their advice is unbiased and in your best interest when it comes to finding the right lender and right product to meet your needs. Find out what your options are, give us a call.

First-time home buyer

Here’s to buying like a pro the first time!

Buying your first home is one of the most important financial decisions you’ll ever make and getting the right advice from a mortgage professional is a great way to start.

Before you start looking for your dream home, your Mortgage Alliance professional can help you find out how much you can qualify for so you can shop with confidence. They’ll explain the process and even assist in getting you a mortgage pre-approval so you can take advantage of today’s low rate environment by locking in today’s rate for you for a set period of time, typically 90 to 120 days.

Understanding your down-payment options is important as you get ready to buy your first home. This is right time to consult with your mortgage professional who can explain the requirements and options available to first-time buyer only when it comes to down-payment. Generally, the min down-payment required depends on the purchase price with the min being 5% down. For homes $500,000 and under 5% down is the min required. For homes over $500,000 but less than $1 million, you need 5% down-payment on the first $500,000 and 10% for any amount over that. If your purchase price is $1 million or more, a minimum 20% down-payment is required. Mortgages with less than 20% down are subject to default insurance which is usually added to the mortgage amount.

At Mortgage Alliance, we work with over 60 lenders from major banks to private lenders. Your mortgage professional gives you access to multiple lenders and finds the right mortgage for you with only one application. They help you navigate the process, explain your options and present you with mortgage solutions that best meet your need. Having the right combination of mortgage features, privileges and rate is key. The right mortgage goes beyond just the rate--it's important to also consider term, prepayment options, refinancing penalties, restrictions, and fees.

Your mortgage professional will not only find the right mortgage for you but also provide strategies to help you pay your mortgage off faster and shave thousands off interest costs in the process.

Reverse Mortgages

If you’re a homeowner over the age of 55 and want to tap into your home equity, a reverse mortgage can be the right solution for you. A reverse mortgage is also known as an “equity release”. With a reverse mortgage, you can access up to 55% of the equity in your home tax-free as a lump sum or monthly cash deposits. The maximum amount you are able to borrow will depend on your age, your home’s appraised value, and our lender. No mortgage payments are required and you maintain ownership of your home. Repayment of the loan and interest is only required once you move or sell the home. At the end of your loan term, you may have less equity in your home. If you don’t make any payments, which is fine, you may have a larger interest payment to make when the home is sold.

A lender will often ask you to consult a lawyer prior to giving you a reverse mortgage to ensure you understand the conditions of the mortgage. The lender can never force you to sell your home to repay the reverse mortgage. It is also important to note that all existing loans on the property, including a mortgage or a home equity line of credit must be paid off prior to getting the mortgage.

Whether you’re looking for a financial cushion to live comfortably, funds to cover monthly expenses, pay off debt, renovate or fund your children’s education, you can use the funds from a reverse mortgage in any way you want without restrictions! What’s more, is if the home goes up in value, it doesn’t affect the reverse mortgage, meaning that all equity gained is yours! Lastly, you can get out of a reverse mortgage at any time by paying off the loan and any interest accrued.

Have a discussion with your mortgage professional to find out if a reverse mortgage is the right solution for you.

Bad Credit

Your credit history is integral when it comes to the mortgage approval process because that history is a reliable indicator of how you will manage your mortgage and your finances in the future. Your credit score is calculated using information in your credit report including your payment history, how much debt you’re carrying and the length of your credit history. Lenders use the score to helps determine the risk and your creditworthiness when you apply for a loan. Credit scores above 660 are generally considered good, very good, or excellent. These individuals receive lower rates, and can get loans easier than those that do not fit into this range.

Those with less than average scores or with lower scores who fall into the “poor” credit range may face higher interest rates, difficulty getting better loan terms or qualifying when applying for a mortgage. Buyers with poor credit may have to put down a larger initial down payment or require a co-signer to be able to qualify for the mortgage they need to get into their dream home.

Your mortgage professional can review your situation and coach you on how best to improve your credit over time. That's why it's a good idea to talk to a mortgage broker as soon as you can. As your good credit history becomes established, your borrowing options will increase. If you wish to get a mortgage while you work on bettering your score, we can help!

At Mortgage Alliance we are committed to helping Canadians realize their dream of home ownership. Our brokers have access to many lenders, from banks to private lenders, and a multitude of mortgage solutions. Even if you have poor credit, you have options and our brokers will work with you to find the right solution that best meets your needs. Call for a free consultation.

Alternative Lending

With the ever-changing market and a stricter stress test, many Canadians are finding it harder to qualify for a mortgage through traditional financial institutions “A-Lenders” and are turning to alternative lending solutions for their mortgage. At Mortgage Alliance we work with many alternative lenders, who can offer excellent mortgage options with more flexible criteria and more lenient qualification requirements.

Alternative lenders are great for individuals who have non-traditional forms of income for example, capital gains, room rental income, child tax benefits and others or for self employed applicants who may not have the minimum required number of years being self employed.

These lending solutions are also a good option for those with lower credit scores. While the rate they offer is slightly higher than what you will see posted by an A-Lender, they are nothing out of the ordinary when compared to traditional rates posted in Canada. They also generally have shorter terms, meaning that you can get into the home of your dreams while being able to rebuild your credit at the same time.

Buyers who don’t qualify under the mortgage stress test can also take advantage of the expanded debt service ratios allowed by alternative lenders to qualify for a mortgage and get into the home of their dreams. If you have a very unique situation, we also have access to various private lenders who are even more flexible and lenient in requirements and may be able to offer you mortgage options that fit your situation. In today’s environment, we’re seeing more private lenders helping Canadians with their mortgages.

Call your Mortgage Alliance professional to find out about the different options available to you. They are experts when it comes to mortgage products and different solutions and will provide you with unbiased advice. They work for you, not the lender.

Today's Mortgage Alliance Exclusive Rates

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Showing the best rates in:

  1. 2.19%
    1 year fixed
  2. 2.54%
    3 year fixed
  3. 2.69%
    5 year fixed
  4. 2.89%
    7 year fixed

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