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Old 02-25-2013, 01:50 PM   #1
MillerTime GFG
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Hey everyone,

I am a mortgage professional with the brokerage 'invis', one of the largest in Canada.

With SmartCap (our company name attached to invis), we take more of a financial planning approach to mortgages, as we realize there's a lot more to it than just rates. We consider ourselves cash flow and debt management experts, and realize cash flow is the driver in any financial plan. We still have access to the best rates, but it's the all-encompassing strategies we incorporate for our clients that will help accelerate their financial plan.

With access to over 50 different lenders, there are products available for virtually everyone. I am able to finance or provide advice for any of the following:

- Purchases
- Refinances, switch/transfers
- Debt consolidation
- Restructuring debt for cash flow purposes
- New home construction
- Equity takeout/Home renovations
- Self employed
- Credit issues


- Ask me about what I believe is one of the most powerful strategies in the industry, National Bank's "All-in-one". It's non-conventional, but can be very effective in getting you debt free years quicker while saving you thousands (tens) in the process. I will teach you the strategy behind this. Ask me about my calculator to see if this product is right for you.

Please feel free to ask any questions in here, via PM, or by emailing me at gregmiller@mysmartcap.com

Thanks, I look forward to hearing from you!

Like our Facebook page! https://www.facebook.com/mysmartcap
Twitter: @SmartCap_Inc
YouTube
www.mysmartcap.com

Ever wonder what documents are required for the approval process, particularly for self-employed individuals? A lot has changed in the last 5 years, as lenders & insurers are required to collect A LOT more documents than you may be used to. Here's a handy checklist to give you an idea: *Ask for more details*

Spoiler!



Marketing Videos:

"Sleepwalking Through Renewal"
Spoiler!


Marketing material/specialty product info:

Purchase plus program:
Size
Spoiler!


Ten Steps to Home Ownership:
Size
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Articles:

- Buying a home before yours sells? Here's some info on bridge financing: http://www.theglobeandmail.com/globe...ticle22516854/

- Are you self employed? Here's a great read on some of the restrictions you may see since the tightened guidelines as a result of B-20 in 2012:
http://www.theglobeandmail.com/globe...board/follows/

- Fixed vs. variable:
http://www.donrcampbell.com/fixed-vs-variable-mortgage-2014


Last edited by MillerTime GFG; 12-16-2015 at 10:55 AM.
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Old 04-09-2013, 12:33 PM   #2
Deegee
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Quote:
Originally Posted by MillerTime GFG View Post
Bumpiddy bump:

Still have a 5 year fixed, unpublished 2.79%
- 3 year fixed @ 2.59%, 10 year fixed @ 3.69%.

All-in-one account with National Bank @ 3.5%, or @ 3% if you're an engineer. This will save you thousands of dollars vs. a traditional mortgage.
- You can qualify if you have good credit & 20% equity in your home.

Feel free to ask me any questions.

Cheers
All in one accounts do work for a few people and can save people money.

Speaking as a person working in a Branch environment, probably 80% (and maybe higher) of the people who get home equity lines or all in one accounts max them and then they sit at maximum and barely reduce over time. Most people can't handle them.
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Old 04-09-2013, 10:23 PM   #3
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I work for a Credit Union that is still doing 75-80% home equity revolving credits attached to chequing accounts in the form of a giant overdraft to compete with all in one offerings.

The majority of them are maxed or near maxed on their lines. 80% may be off, it could be closer to 90%. Most people don't have an idea of how many years of payments thry have left at a current payment pace, they are oblivious. That is actually my most succesful problem question to ask as it typically brings in additional business and puts people on structured plan.

Anywho, my intent was not to derail your thread. I do have a passion for this stuff and do care about people I meet, so sometimes it is hard for me to keep quiet. I will stop now, though, as I am confident you take of people and their needs.
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Old 04-21-2013, 08:20 PM   #4
calgarywinning
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Any advice on a plan to purchase a lot with an existing home to be demolished and then a new home to be built. How does one attain bridge financing and deal with the bank who can't understand the concept of tearing down the home for a rebuild?

Also we would be living in our existing Condo which currently is setup as chattel on a L/C for 65% of the value. This is entirely paid up. We would like to draw against this line of credit while paying for the new build.
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Old 04-23-2013, 11:59 AM   #5
MillerTime GFG
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Any advice on a plan to purchase a lot with an existing home to be demolished and then a new home to be built. How does one attain bridge financing and deal with the bank who can't understand the concept of tearing down the home for a rebuild?

Also we would be living in our existing Condo which currently is setup as chattel on a L/C for 65% of the value. This is entirely paid up. We would like to draw against this line of credit while paying for the new build.
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Old 05-13-2013, 08:20 AM   #6
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I posted this in another thread but I will post here too:

Question: My GF and I have been looking at purchasing a new home together. We have found a condo that we are very much interested in but we would be first time home buyers. We both make an okay amount of money (recently graduated 1-2 years) and are looking at grabbing a mortgage for ~$400. We will probably be putting anywhere from 5-10% down on the house. Problem is, I am a contractor and will be for awhile as long as I stay with this company. She is a full time employee.

What kind of problems will I run into and is there a good mortgage broker that I can call that deals with these situations more often than not? BTW we both have very good - excellent credit ratings.

Any information would be greatly appreciated, thanks!
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Old 05-13-2013, 03:35 PM   #7
MillerTime GFG
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Quote:
Originally Posted by Rapidfire999 View Post
I posted this in another thread but I will post here too:

Question: My GF and I have been looking at purchasing a new home together. We have found a condo that we are very much interested in but we would be first time home buyers. We both make an okay amount of money (recently graduated 1-2 years) and are looking at grabbing a mortgage for ~$400. We will probably be putting anywhere from 5-10% down on the house. Problem is, I am a contractor and will be for awhile as long as I stay with this company. She is a full time employee.

What kind of problems will I run into and is there a good mortgage broker that I can call that deals with these situations more often than not? BTW we both have very good - excellent credit ratings.

Any information would be greatly appreciated, thanks!
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Old 05-27-2013, 01:53 PM   #8
MillerTime GFG
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nm

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Old 11-20-2013, 05:14 PM   #9
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Check out our short 4 minute video explaining the all-in-one product on our Facebook page! Don't mind the quality - it's temporary! Professional videos coming soon. Great info packed into a short video.

https://www.facebook.com/pages/Smart...49613388478709
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Old 12-10-2013, 10:13 AM   #10
MillerTime GFG
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Pretty good read here as to the current market in Calgary, and in comparison to the rest of Canada:

http://albertaventure.com/2013/12/ca...estate-market/
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Old 01-24-2014, 07:44 AM   #11
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Old 01-30-2014, 05:09 PM   #12
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Old 02-04-2014, 10:09 AM   #13
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Another rate drop: 5 year fixed now @ 3.09%.

Just as a reminder - I'm happy to answer anyone's mortgage-related questions in here.

Greg

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Old 02-06-2014, 07:50 PM   #14
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Hey Craig,

I need to renew my mortgage. Can I do that through u?

If u could call me at. 403 7086035 that would be great
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Old 02-13-2014, 11:39 AM   #15
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Old 03-04-2014, 11:29 AM   #16
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Old 03-14-2014, 09:58 AM   #17
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Old 03-24-2014, 02:09 PM   #18
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Edit: Added articles to first post.

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Old 04-03-2014, 12:50 PM   #19
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Old 04-07-2014, 08:54 PM   #20
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what are current rates looking like? Might be interested in getting pre-approved soon and heard rates have dropped. It may entice me to get of my horse if i can lock in something low
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