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Denham Evans

Denham Evans

Mortgage Agent

Concierge Mortgage Group

LIC# 12179
Language(s): English
Specialties: Residential Mortgages, Reverse Mortgages

About

Broker

Concierge Mortgage Group Inc. represents a team of knowledgeable, ethical and reputable mortgage professionals who can tailor your mortgage financing to your unique lifestyle and goals.

Independently owned and operated, Concierge is proud to be a network partner of Mortgage Intelligence, Canada's trusted source for mortgage solutions.

With Denham Evans, you can expect an authentic experience defined by honesty, integrity and peace of mind. As an Accredited Mortgage Professional, Denham has met the highest standards of industry performance, continuing education and ethical business practices.

Whether you want to buy a new home, set up a business, refinance or renew an existing mortgage, you deserve a smooth, respectful and personable transaction. Denham will work in your best interest to negotiate and get you the product that suits your needs in the most cost-effective manner.

Please contact Denham Evans to assist you in finding a seamless solution to your mortgage needs.

7 reasons to use a Mortgage Broker over your Bank

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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.

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Denham Evans

Denham Evans

Mortgage Agent

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