Ingrid Faisal

Mortgage Consultant

ingridfaisal@invis.ca

Work

(604) 992-5626

Cell

(604) 992-5626

Visit my website

Regions served: Yaletown, Downtown, Willingdon Heights

Languages: English, French, German, Portuguese, Spanish

Specialties: Residential Mortgages, First-Time Home Buyer, Alternative Lending

Apply Now

About Me

Ingrid has over 30 years experience analyzing financial systems. Her strength lies in understanding a client’s needs and requirements and designing creative solutions. She can provide service to her customers in English, Spanish and Portuguese. She also speaks French and German.

Ingrid’s main goal as a broker is to understand your needs and goals as the property owner. There is no such thing as the best mortgage for everybody – when it comes to mortgages there are no “cookie cutter” solutions. Based on your individual circumstances, property type, location, and use, Ingrid will help you find the most suitable product and lender for you. Each lender has a different focus, and she can match your requirements to the right lender. She has access to products with features for:

First Time Home buyers
Repeat Buyers
Self Employed
New Immigrants
Credit Challenged
Previously Bankrupt
Debt consolidation

Ingrid believes that is very important for people to understand their finances – and aims to educate clients about their mortgage options. In her spare time, she teaches courses through local Adult Education programs on mortgages and credit counseling.

Ingrid takes great pride in helping first time buyers into their very first home, giving advice to past clients when their mortgage is up for renewal or re-financing clients for home renovations or debt consolidations. She provides highly personalized and professional service to her clients. She understands how important it is to have someone you trust on the other end of the phone to answer your questions at any time.

Ingrid will evaluate the big picture with you and help you develop a personalized mortgage strategy.

Please visit her website at www.mortgageark.com or call her at (604)992-LOAN.

Ingrid Faisal , Independent Mortgage Advice you can Trust

7 reasons to use a Mortgage Broker over your Bank

Check it out

Alternative Lending

With the ever-changing market and a stricter stress test, many Canadians are finding it harder to qualify for a mortgage through traditional financial institutions “A-Lenders” and are turning to alternative lending solutions for their mortgage. At Invis we work with many alternative lenders, who can offer excellent mortgage options with more flexible criteria and more lenient qualification requirements.

Alternative lenders are great for individuals who have non-traditional forms of income for example, capital gains, room rental income, child tax benefits and others or for self employed applicants who may not have the minimum required number of years being self employed.

These lending solutions are also a good option for those with lower credit scores. While the rate they offer is slightly higher than what you will see posted by an A-Lender, they are nothing out of the ordinary when compared to traditional rates posted in Canada. They also generally have shorter terms, meaning that you can get into the home of your dreams while being able to rebuild your credit at the same time.

Buyers who don’t qualify under the mortgage stress test can also take advantage of the expanded debt service ratios allowed by alternative lenders to qualify for a mortgage and get into the home of their dreams. If you have a very unique situation, we also have access to various private lenders who are even more flexible and lenient in requirements and may be able to offer you mortgage options that fit your situation. In today’s environment, we’re seeing more private lenders helping Canadians with their mortgages.

Call your Invis professional to find out about the different options available to you. They are experts when it comes to mortgage products and different solutions and will provide you with unbiased advice. They work for you, not the lender.