Katima Profile

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Katima Profile

  1. 1. Jacques du Preez
  2. 2. About Jacques du Preez <ul><li>Member of IMBA * </li></ul><ul><li>Registered with FSCO * </li></ul><ul><ul><li>Mortgage Agent License #: M08005900 </li></ul></ul><ul><li>Licensed agent of Mortgage Edge. </li></ul><ul><li>Ethics and values based business. </li></ul><ul><li>Conduct business nationally. </li></ul><ul><li>* FSCO – Financial Services Commission of Ontario | IMBA – Independent Mortgage Brokers Association </li></ul>
  3. 3. Business Focus <ul><li>Residential property mortgages </li></ul><ul><ul><li>Home purchases & refinances </li></ul></ul><ul><ul><li>Mortgage equity utilizations </li></ul></ul><ul><ul><li>Investments </li></ul></ul><ul><li>Commercial/Industrial property mortgages </li></ul><ul><li>Asset financing </li></ul><ul><ul><li>Hard & Soft assets. </li></ul></ul><ul><li>Renewable Energy Financing </li></ul><ul><ul><li>Solar, wind and geothermal energy. </li></ul></ul><ul><li>Capital Financing </li></ul>
  4. 4. Accountability Wheel
  5. 5. My Services <ul><li>Credit training & restoration. </li></ul><ul><li>Mortgage education </li></ul><ul><li>Personal mortgage strategy. </li></ul><ul><li>Debt minimization </li></ul><ul><li>Focus on all mortgage fundamentals </li></ul><ul><li>Mortgage interest savings </li></ul><ul><li>Real estate investment strategy. </li></ul><ul><li>Personal reports </li></ul><ul><ul><li>Credit bureau summary. </li></ul></ul><ul><ul><li>Term mortgage goals. </li></ul></ul><ul><ul><li>Home equity estimate. </li></ul></ul><ul><li>Access to my professional network. </li></ul>
  6. 6. Why use a mortgage broker? Broker VS Bank Wide range of mortgage products. : Single profile mortgage products. Best discounted rates – significantly lower than banks. : Posted rates & negotiate. One credit report – protect clients’ credit. : One credit report per bank – potential reduction of client credit score. Focus on mortgage. : Cross marketing of credit. Specialize in mortgages. : One of many products. Free service – ‘A’ clients. : Free service – ‘A’ clients. Excellent service & knowledge. : Often inexperienced people at help desk. Focus on financial freedom. : Profit from debt.
  7. 7. Mortgage Fundamentals <ul><li>Interest rate </li></ul><ul><li>Rate type: fixed/variable </li></ul><ul><li>Amortization </li></ul><ul><li>Mortgage term </li></ul><ul><li>Term type: Open/closed </li></ul><ul><li>Penalties </li></ul><ul><li>Pre-payment privileges </li></ul><ul><li>Allow 2 nd mortgages? </li></ul><ul><li>Mortgage portability </li></ul><ul><li>Loan to value (LTV) </li></ul><ul><li>Mortgage Insurance </li></ul><ul><li>Down payment. </li></ul><ul><li>Payment frequency </li></ul><ul><li>Mortgage type </li></ul><ul><li>Serving your interests. </li></ul><ul><li>Financial freedom </li></ul><ul><li>Allow HELOC? </li></ul><ul><li>Client service </li></ul><ul><li>Options available/Info </li></ul><ul><li>Portfolio management. </li></ul><ul><li>Future plan </li></ul>
  8. 8. The Mortgage Process

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