Vy Tri Truong, BComm, LLQP
Senior Vice President, Mortgage and Wealth Management Specialist
Mortgages
The guidance everyone deserves
Your home is often your largest asset. Our approach is to align the management of this asset with your overarching goals and retirement strategy. We prioritize placing your mortgage with lenders best suited to your specific circumstances and provide guidance along the way.
We use multiple tools to ensure your mortgage is a contributing component of your Omni Formula plan.
At Everything Financial, we have our own in-house mortgage specialists who offer a variety of products based on individual needs. We also partner with Manulife and can even work with your preferred mortgage broker.
- First-time home buyer programs
- Residential mortgages
- Commercial mortgages
- Home equity lines of credits (HELOC)
- High net-worth lending
- Reverse mortgages
If you’re self-employed, we have more outside-the-box solutions that include high net-worth programs, alternative lenders, private lenders and even commercial solutions.
If you’re house-rich and cash flow-poor in retirement, we create a financial plan based on your income needs.
Everything Financial
Mortgage Group
Vy Tri Truong, BComm, LLQP
Senior Vice President, Mortgage and Wealth Management Specialist
Bailey Hagge
Mortgage Specialist
Eight things that will squash your mortgage (pre)approval
After you have been pre-approved, or even fully approved for a mortgage, you can still squash your approval before you get possession. In short, any major changes to your personal or financial situation can put your mortgage at risk.
Considering a subject free offer?
In a competitive real estate market, where there are more buyers than sellers, you will have to find ways to make your offer more attractive to the seller. One way to is to make your offer “subject free.”
Show me the money: Down payment and closing costs
Everything starts and ends with your savings. This is the pool of money that you will need for the deposit, remaining down payment, and closing costs. There are laws in place to ensure your funds are legitimate and from confirmed sources, and this is what must be documented.
We partner with Manulife to offer the Manulife One line of credit mortgages. Manulife One is an innovative, all-in-one account that allows you to combine your mortgage, personal loans and lines of credit with your income and short-term savings. It can save you interest costs and give you more control over your finances.
