Christina Pentlichuk - Mortgage Agent at Mortgage Alliance in Grimsby, ON
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Christina Pentlichuk

Mortgage Agent

Lic # 10530

christina.pentlichuk@vinegroup.ca

Work

(289) 779-8969

Specialties: Residential Mortgages, Alternative Lending, Self Employed, Reverse Mortgages, Bad Credit, First-Time Home Buyer

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About Me

About Me

From day one, my goal has been simple - to improve others' lives through financial freedom. 

It is what has pushed me to do what I do, helping Canadians attain the most competitive interest rates on the market paired with free financial advice - the only way to get ahead.  

Having grown up in Burlington, Ontario, I was always up for an adventure. I loved exploring in the Hamilton/Niagara region, a place I hold close to my heart and the market I've proudly served my clients in for the last 25 years. 

During this time, I specialized in banking, adapting, and reinventing myself to the ways of the ever-changing market and needs of the client. In fact, it is my success that has forced me to move through this change to attain the broad experience & skillset I hold today. 

Having called Dunnville home for the last 20+ years and the place I have raised my 3 kids, I am not only a mortgage broker but a family person. 

This has led me to be extremely passionate about helping other families become financially free through real estate! There is nothing more rewarding than helping families fund their dream home, be on the path to a dream retirement, paying off their children’s education and becoming mortgage-free. 

I am proud to share my wealth of knowledge with everyday Canadians, from small business owners to first-time homebuyers. I help them realize their DREAMS by continuously supporting each client and their individual situation throughout their borrowing journey. 

As apart of Mortgage Alliance, it has always been about delivering the best value to the client; that has been our unwavering commitment and the most rewarding part of what I am proud to do. 

A lot has changed over the years, but there is one thing I am certain of; when you use the right broker, you get the right mortgage.
When I'm not aggressively negotiating with lenders on your behalf, I am an avid nature person. During the winter, you'll find me racing my mini-me down the slopes in Ellicottville, and in the summer, I'll be up north either by the campfire making smores or challenging my boys to a water-skiing competition.

The competitiveness I hold in my life is the competitiveness I have regarding you and your family's best interest.

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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.

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.

Schedule for your Free Mortgage Consultation

Schedule for your Free Mortgage Consultation

Apply Now

Apply Now

Find out what your property is worth & get your updated credit score every

Find out what your property is worth & get your updated credit score every

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As of November 27, 2022

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