Heather Murphy - Mortgage Agent at Mortgage Intelligence
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Heather Murphy

Mortgage Agent

Lic # 10428

heather.murphy@migroup.ca

Work

(905) 380-7249

Specialties: Residential Mortgages, First-Time Home Buyer

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About Me

About Me

Many find mortgage financing confusing, but it doesn't have to be that way. My knowledge and experience, combined with friendly and attentive service, will give you the information and education you need to make an informed decision.

When it comes to mortgages, choice is everything! With my access to over 50 lenders like major banks, national, regional, and private lenders, you can be sure you are getting the best rate and mortgage for your situation.

You have come to the right place for your purchase, refinance or renewal. I have many specialties including self-employed mortgages, new to Canada, property investing, vacation homes, renovations, retirement cash flow, and credit repair.

I'll be with you every step of the way, even after your mortgage closes, providing tips and strategies to help you build long-term wealth. That's why my business is built primarily from client referrals. I look forward to earning your trust, and delivering a comfortable and successful mortgage experience!

7 reasons to use a Mortgage Broker over your Bank

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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 Intelligence 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 Intelligence, 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.

See how much you can afford

See how much you can afford

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Today's Exclusive Mortgage Intelligence Rates

As of August 14, 2022

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Showing the best rates in:

* Insured mortgage rates, subject to change. Conventional and refinance rates may be higher. OAC. E&OE

Tell us what you're looking for and we'll find the right mortgage for you!
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