Refinance your Home
Your First Home
Patrick has worked for over twelve years as a highly successful Financial Advisor in the banking industry. He has been working with a leading mortgage company; Mortgage Edge, as an Independent Mortgage Consultant for the last several years, and thoroughly enjoys providing his clients with the choices that best meet their needs. Patrick is a top-notch, knowledgeable professional who works extremely hard to make your mortgage experience as smooth and simple as possible. Whether you need a pre-approval, are purchasing an investment property, need to refinance your home or renew your mortgage, contact Patrick for a truly honest and unique experience.
A pre-approval with Mortgage Edge means a great rate can be held for you for up to four months. This allows purchasers to focus on the buying process, and on making sure they find a home that best suits their needs. We request that applicants complete an application, which then allows Patrick to respond without delay, with a firm pre-approval. The next step? An Agreement of Purchase!
First-time home buyers represent the largest group of purchasers today. Lenders and insurers understand the numbers and have developed progressive options that allow many Canadians to purchase their first home. To learn about the intricate details of each program, and to choose the best option for you, please contact Patrick Festa today.
Programs & Incentives for First-time Home Buyers
- 95% high-ratio financing programs
- 0% down & cash-back programs
- 100% financing programs
- The Home Buyer's Plan
- Free land transfer tax
With the high rate of unsecured debt growing at approximately 30% per year in Canada, and disposable income growing at approximately 3% per year, consumers on average are spending money much faster than they are earning it. For this reason, a growing number of individuals and families are looking to increase their cash flow by taking advantage of the increased equity in their homes.
Whether you need funds to manage your debt, or you want to invest in your current home by getting started with that new home renovation project, Patrick can help you reach your goals. Contact him today to discuss your options and create a plan.
Early renewals at the retail banking level are not always what they appear to be. Consumers should be cautious when receiving a call or notice from their lender suggesting an early renewal. With Mortgage Edge’s lender network, not only are you guaranteed a discounted rate for four months, but on renewal, there is no posted rate. You always get the discounted rate -- all the time. Renewals and transfers (switches) with Patrick are completed free of charge.
At Mortgage Edge, we encourage our clients to evaluate whether or not their existing lender is offering them the best deal. Patrick always assists you in making a sound decision after helping you understand the numbers. Switch to Mortgage Edge, or stay with your current lender, Patrick Festa is here to help!
Time to Renew