Get your best mortgage here.
Regions served: Yaletown, Downtown, Willingdon Heights
Languages: English, French, German, Portuguese, Spanish
Specialties: Residential Mortgages, First-Time Home Buyer, Alternative LendingApply Now
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.
7 reasons to use a Mortgage Broker over your BankCheck it out
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 Invis 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 Invis, 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.
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.
Today's Exclusive Invis Mortgage Rates
As of September 28, 2022
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* Insured mortgage rates, subject to change. Conventional and refinance rates may be higher. OAC. E&OE