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For over 20 years we've been connecting Canadians with the best mortgages from the right brokers!

Gretchen Casey

Gretchen Casey

Mortgage Agent

LIC# 10530
gretchen@mortgagesbygretchen.com
Specialties: Residential Mortgages, Self Employed, Alternative Lending, First-time home buyer

About me

Broker

Hi, I'm Gretchen Casey. I help those needing experience and solutions to quickly determine the best financial options for your goals.



Gretchen and her Team are the proud recipients of two 2020 #1/Diamond Reader’s Choice Awards from “Oshawa/Whitby This Week”. Based on outstanding client reviews and facing a 50-Point Inspection, Mortgages by Gretchen is also recommended by “Three Best Rated”.




Gretchen is passionate about connecting with her clients to uncover their values and needs. She then creates a plan and recommends the best mortgage products that align with your values and goals. Her philosophy is to be your advocate in the short and long term, striving for excellence in achieving your desired results. With her 16 years of experience she is able to quickly determine your best option and present her recommendations in a clear manner.



Gretchen specializes in providing the right option for the self-employed borrower, with access to 65 lenders including banks. This means you can borrow more than the bank would lend and at reasonable interest rates. She also has 16 years of experience, using her expertise helping Real Estate Investors seeking to increase their cash-flow and net worth.



Always prioritizing being accessible, Gretchen offers phone and Zoom meetings, on the same day or within 24 hours. Mellisa Thornton, Customer Experience Manager, works with Gretchen, the clients, their realtors, appraisers, lenders and lawyers, making sure the process is smooth and stress-free.



Are you Worried that you'll sign on the dotted line only to learn you could have saved thousands of dollars with a better mortgage? Do you need Expert Advice on the types of loans currently available to meet your goals? Did you get a turn-down from a lender and want to find a solution from someone you can trust? Do you want to build your wealth with an investment property?



You are not alone!



I offer FREE answers to these questions and more:





  • What's the best way to become mortgage free?




  • What type of loan is the best for my goals?




  • How do I get the lowest monthly payment?




  • How do I get a great rate?




  • What should I do at renewal time?




  • Can I get a pre-approval?




  • Can I pay-off my credit card debt with equity from my home at a much better rate?





Mortgages by Gretchen strives to exceed your expectations and to be your Mortgage Team for life.




We look forward to working for you!



Call 905-579-4412 or text/fax to 905-997-0562 for solutions!



Want to schedule a FREE 30 Minute Discovery Session with me? USE THIS LINK



Gretchen Casey



Mortgage Agent



Lic#10530Aâ??â??â??â??â??â??â??

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

Check it out

Self-Employed

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.

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’s Exclusive Rates

November 29, 2020

Click to secure the rate

Showing the best rates in:

  1. 1.74 %
    1 year fixed
    >
    Posted
    3.14%
  2. 1.69 %
    3 year fixed
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    Posted
    3.49%
  3. 1.79 %
    5 year fixed
    >
    Posted
    4.59%
  4. 2.34 %
    7 year fixed
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    Posted
    5.35%
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