Our Products and Services
With over thirty different lenders to choose from (both institutional and private) we will shop the right mortgage to suit you specific need and situation.
We specialize in both RESIDENTIAL and COMMERCIAL mortgages.
Purchases
Whenever you are purchasing that new home contact us for your free consultation. We have a variety of mortgage solutions to meet your individual financing needs.
Like most people purchasing a home might be your largest single investment. It might well be your “retirement plan” so let the experts at Art Mortgage Camp help you through this process. We can help you realize your homeownership dreams by offering you all the best advantages:
- 1st and 2nd Mortgages
- Low Fixed and Variable Rates
- Great Pre-Payment Privileges
- Portability
- Extended Amortization Periods
- Maximum Customer Service
- Guidance and Advice from experienced Mortgage Specialists, and much more.
Renewals
At maturity why renew your mortgage with your existing lender without first checking with your Broker at Art Mortgage Camp? It costs you nothing but you can save yourself thousands of dollars if you let your Broker find you a better deal with another lender. Why stick with one lender when there are over thirty other lenders to choose from. At the end of every term “camp” with the lender that offers you the best deal in the market place.
Debt Consolidation
Debt consolidation, also referred to as “refinancing”, is quite common these days. It's not because more people are in debt, its simply because it just makes more sense.
Pulling equity out of your home in order to consolidate debts can save you hundreds or even thousands of dollars in monthly payments to better mange your cash flow.
In some cases, you may even be able to top up your existing first mortgage and take advantage of even lower rates and payments.
Your mortgage specialist at Art Mortgage Camp will help you get that financial freedom again. Once again you will be able to afford that dream vacation you so badly need and deserve
Refinance/Equity Take Out
If you are like most people, the value of your home has been steadily rising, year after year. That means you have probably built up tens, or even hundreds of thousands of dollars in equity. This is money that you can actually access, and use for a variety of purposes, including making more money.
We can help you turn your home into your private bank. A home equity loan or line of credit is secured by your real estate, and can give you funds at the lowest possible rate – often as low as the prime. You can make interest-only payments, if you wish, or we can set up a flexible and convenient repayment plan.
Money you receive from an equity refinancing can be used for a variety of excellent goals, such as:
Investment. Diversify your personal financial plan by adding assets such as stocks, mutual funds or bonds to your real estate. In many cases, using a home quity loan to purchase investments means you can actually deduct all of the interest paid from your taxable income.
Your children's education. The costs of higher education are rapidly rising, and yet a post-secondary degree is essential in today's marketplace. A home equity loan or line of credit can be a very cost effective way of meeting these expenses.
Small business financing. Tap into the equity in your home for start up costs or expand your existing small business. Whether you are looking to purchase additional inventory, market you product or service or simply need a safety cushion to carry a seasonal business through slow periods, a home equity loan is a very cost effective way to meet a variety of financing needs.
Renovation. Prevention can be much cheaper that cure. So rather that watching one of your most valuable assets just deteriorate and depreciate in value why not use the equity in the very property to enhance its value. Enhance it by adding on to it, renovating the kitchen or bathroom, landscaping your yard or finishing the basement. Remember you only live once so why not enjoy it at the same time.
Home Equity Line of Credit (HELOC)
Why pay high interests on credit cards when you can leverage the equity in your home and enjoy a low-interest line of credit? The equity in your home is a very powerful tool, which you have at your disposal so take advantage of it. By paying lower interest you will keep more of your hard-earned cash to enjoy a better life. Isn’t that what we all want?
