Mortgage Broker, Mortgage Architects Lic. 12728
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Online
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Unbeatable Rates & Expert Mortgage Guidance in the GTA: Own Your Dream Home!
Ready to stop dreaming and start owning? I'm your personalized GTA mortgage guide, unlocking the best rates for first-time buyers and seasoned investors alike.
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3 customer reviews
Lucia Dellaterza
Mortgage Advice
Amazing, people person, hardworking. The best.
Will Bachewich
Mortgage Advice
Lucia was very helpful and quick to respond back to my questions.
Reply from Mortgage Broker, Mortgage Architects Lic. 12728
Thank you so much for your input, it's very helpful. You are welcome to ask me questions anytime you need my assistance and input.
Mario Daniel Sconza
Lucia is awesome! She and her team exactly know what they are doing. They provide excellent customer service and have in-depth knowledge of the business. We refer clients with high assurance that they receive the very best in their craft. Their experience hone their skills and talents that they share with their referred clients. Thank you Lucia for your team and the wonderful experience. May you and your company continue to grow and help your community. More...
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What do you love most about your job?
Having worked with major banks, I understand that clients want the right mortgage and guidance. I collaborate with my clients to find personalized solutions that meet their needs and provide expert guidance throughout the process. By working together, we can ensure that my clients feel confident and secure in their choices.
What inspired you to start your own business?
As a passionate mortgage broker, I'm dedicated to finding the best solutions for your unique circumstances. Let's work together to ensure that you feel confident and secure in your mortgage choices, and achieve your financial goals and dreams of home ownership.
Why should our clients choose you?
As a dedicated mortgage professional, I specialize in finding tailored solutions for your unique needs. With my experience in banking and personalized approach, I can handle complex transactions and help you improve your credit score. Choose me for a stress-free mortgage experience that delivers results beyond your expectations.
Can you provide your services online or remotely? If so, please add details.
I am happy to offer you remote services so that we can connect no matter where you are. Let's schedule a virtual meeting at a time that's convenient for you, and I'll send you a link to access the meeting. It's that easy! If you have any questions or concerns, don't hesitate to ask - I'm here to make this process as stress-free as possible for you
What changes have you made to keep your customers safe from Covid-19?
Great news! I'm now working remotely, which means I can offer more flexibility to accommodate your schedule. Whether you prefer a virtual meeting or a phone call, I'm excited to provide the same high-quality service and find the best mortgage solutions for your unique needs. Let's work together to make your dream of home ownership a reality!
Mortgage Financing
Your mortgage is crucial for your financial stability, and an experienced mortgage broker can make a big difference. With my expertise in the industry, I'll help you navigate the complex factors of mortgage refinancing, such as interest rates and fees.
Whether you're a salaried or hourly employee, I'll create a custom plan that meets your unique needs and goals. I'll provide professional guidance and support from start to finish to ensure a stress-free mortgage experience. Let's explore the option of mortgage refinancing together and secure your financial future!
No Stress Test Mortgage
The Stress Test was introduced to reduce the amount of mortgage that you, as a buyer or homeowner, can qualify for. For uninsured mortgages with a down payment of 20% or more, the new qualifying rate is the contracted rate plus two percentage points or the Benchmark rate, whichever is higher. However, if your mortgage is not insured, we can explore other options to increase affordability. Let's have a complementary discussion to explore your options.
First Time Home Buyers
Buying a home cannot be compared to how people walk into a mall or a department store when making a purchase. Home buying is a more intricate process than presenting yourself with the money or credit card and walking away having made the purchase.
Information to consider:
Work with a Mortgage Broker and get sound advice
Budgeting and Finding a Mortgage
Fixed or Variable rate
How to Maximize your Down payment
And much more!
Debt consolidation
A debt consolidation mortgage is when you refinance your mortgage to incorporate all your high interest debts into one payment – your mortgage. Find an affordable home in need of TLC and transform it into that perfect home you always dreamed of; with new bathrooms, kitchen, and hardwood floors. Add the estimated costs of the renovation to your mortgage at the time of purchase to finance the entire renovation transformation without having to wait!
Debt Consolidation Benefits
• A much lower monthly interest rate that all your debts will now fall under
• Lower monthly payments
• The comfort and convenience of making only one monthly payment.
• Improved credit score from making all your payments on time.
Reverse Mortgage
Roughly half (47 percent) of Canadian families aged 55–64 have no accrued employer pension benefits in Canada. The vast majority of Canadians retiring without an employer pension plan have totally inadequate retirement savings — the median value of their retirement assets is just over $3,000.
Let's have a discussion on how you can qualify.
Improve your credit
When you want to understand your finances better, one of the areas you need to look at is your credit score. The highest credit score in Canada is 900 and the lowest is 300.
In essence this affects present and even future financial opportunities. Your credit score is an important pillar of your financial life.
Let's have a discussion on how you can improve your score and make it possible to purchase a home.
Equity Mortgage Lending
You have accumulated a considerable equity, but you may not qualify with your bank.
Let's explore the options available about your options.
Self Employed Mortgage
As a self-employed individual with variable income, you may face certain obstacles when it comes to obtaining a mortgage. However, our lenders are well-versed in these types of situations and have tailored solutions to fit your unique needs. Please don't hesitate to reach out to me so we can discuss how I can assist you in achieving your dream of homeownership.
Alternative lending
If you find yourself in a situation where you do not meet the traditional requirements for a mortgage, which is typically obtained through banks, credit unions, or trust companies, it is important to explore alternative financing options. I would be pleased to discuss with you to determine the most suitable mortgage financing path that meets your specific needs.
