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At the end of the current mortgage with TD I would have 28 years of amortization left if I don't change lender. However, I am curious to know what the rates would be with 25 years amortization. However, I am curious to know what the rates would be with 25 years amortization.
Through my mortgage broker I am happy I got 5 years closed variable at Prime minus .90 (but their APR is 5.062) so even better than that! The only place I found better was Dundee at Prime minus .95 but my broker doesn't deal with them.
This way there is no penalty as you are not breaking your mortgage early. If you go into a renewal first, this means you’d have to roll into an open mortgage with RBC and THEN process the refinance, which can take longer and be costly, especially as you are carrying an open mortgage rate of 8-9%. You should get a second opinion on this at RBC ...
Your mortgage payments aren't reported to a credit bureau, so no, there will be no impact even if you are late. Only if collection action goes ahead (i.e. Power of Sale), then it would be on your credit-file, provided there's still a balance owing to the lender. However, this is not to say that missing mortgage payments is acceptable. Remember ...
Checked again on Tuesday (20th) still no payment out. Well this isn't good. So I called the TD and asked why my mortgage wasn't taken out. She checked my account, and said, sorry sir, but your mortgage was paid as usual on the 19th. I checked my mortgage balance and it was lower because of the payment.
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With such a quick closing, there wouldn't be time for you to move the mortgage to a different lender closer to your closing date. However, if rates drop, then we can always get your rate dropped right up until the week before your closing date. Even if you have already signed the documents. Paul
Mortgage Calculator. Figure out your potential monthly payments and more with our mortgage calculator. Mortgage Rate Finder. Find the best mortgage rates and see what’s available on the market now. Other Tools
The same happened to my ex when we went to renew our mortgage, a very old debt was put onto her report, but well beyond the statute of that time (I think it was 7 years at that time). Long story short, paid off the debt, were able to renew our mortgage.
Mortgage Calculator. Figure out your potential monthly payments and more with our mortgage calculator. Mortgage Rate Finder. Find the best mortgage rates and see what’s available on the market now. Other Tools
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