Monday, September 3, 2018

Case Study 5



https://moneyvalue.ca

Purpose
  • Refinance home to consolidate 1st and 2nd mortgages and payoff $20,000 in debt
Income and Debt Servicing
  • Stable salaried position earning $65,000
  • Employment verified by employment letter, pay stub, and verbal confirmation by employer
  • GDS/TDS is 39/39% with stressed TDS of 46% using the mortgage rate plus 200bps
Credit
  • 520 beacon due to family member's illness
  • Medical bills started to pile up and client's credit was bruised
  • Excellent mortgage repayment history
Property
  • $400,000 property value
  • Good condition, well maintained property
  • Suburban area with DOM under 30
Deal Rationale:

Was offered a 1 year mortgage at 75% LTV. The client was able to consolidate $20,000 in debt and improve their cashflow by $750 monthly.

Contact Us to Learn More
MoneyValue
E: edwin.m@moneyvalue.ca 
Please Visit: https://moneyvalue.ca

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