Mortgage Products And Services Offered By Leslie Joy Cairns - Joy in Mortgages - Keystone Mortgage Corp

Author: Leslie Joy Cairns - Joy In Mortgages - Keystone Mortgage Corp. | | Categories: First Time Home Buyer Mortgage , Mortgage Broker , Purchase Mortgage

 Leslie Joy Cairns - Joy in Mortgages - Keystone Mortgage Corp.

Purchasing a home can be a very exciting time. If you are looking to buy a home, you have most likely already started to save for a down payment. How much you decide to save can range significantly based on how much you can afford as well as the minimum down payment on your new home. The application process for home loans is known to be a difficult task since it requires an extensive amount of paperwork, follow up, payments, etc. Leslie Joy Cairns - Joy in Mortgages - Keystone Mortgage Corp has the experience needed to help you in the application process, give you free mortgage advice and keep you informed about how different mortgage products can give you certain benefits and help you get into your home.

An insured mortgage is a mortgage that includes mortgage default insurance. While it is always ideal to be able to put 20% down on your home, for many people, saving a downpayment of 20% can be a significant barrier to buying a home. A benefit of an insured mortgage is that it can help you become a homeowner sooner with as little as a 5% downpayment. The insurance is designed to protect the lender in case you are unable to make your mortgage payments due to default or foreclosure, but it also works to benefit you as a homeowner as it allows the lender to offer you access to better interest rates. Also, if you have a good credit history, it will increase your chances of approval. The cost of your insurance is based on a percentage of your total mortgage amount. The bigger your downpayment, the less you will pay for mortgage default insurance. 

If you are looking for a mortgage broker in Edmonton, Alberta, call me directly at 780-570-5457 or email me at I have been in the mortgage industry for ten years and have a passion for building long-term relationships with my clients for many years to come. I put my customers first while striving to serve them better. My business is built solely through referrals, therefore, I’m committed and focused on serving you better. I work with numerous lenders across Canada, which gives me the confidence that I can access the right mortgage solutions for your needs. As your life changes and your mortgage needs change, I will be here for advice. My mortgage services include first time home buyer mortgage, mortgage renewal, mortgage refinance, purchase mortgage, home equity line of credit (HELOC), reverse mortgage, purchase plus improvement mortgage, spousal buyout mortgage, flex down mortgage, and new to Canada mortgage. I serve clients across Edmonton, Sherwood Park, St. Albert, Beaumont, Ardrossan, Spruce Grove, Leduc, Fort Saskatchewan, and the surrounding areas. 

To learn more about the services I offer, please click here. To get in touch with me, please contact me here