I'd like to share some important information with you.

It's becoming extremely difficult for most people to qualify for financing in today's real estate climate. If you can qualify, there are a many different mortgage products that over twenty different lenders, including major banks and credit unions, can offer you. Because each mortgage product differs from the next one, most websites do not outline the exact terms of the mortgages they advertise. Instead, they advertise rate and the consumer has no idea about anything else the mortgage entails. 

Pre-payment penalties, payment options, the ability to exit a mortgage if you refinance or sell and pre-payment privileges all vary by lender and mortgage product. Your home is YOUR investment and it's extremely IMPORTANT you protect that investment by doing the proper research instead of only searching for a mortgage based on the rate that's being offered. Over my career, I have witnessed many people pay enormous sums of money as a result of not doing the necessary research and not working with someone reputable. 

If you'd like to learn more, contact me today. Phone appointments are available.

​Take a look at what prepayment penalties would be for the same mortgage with many different lenders.

Services I offer:

Lenders I trust.
  • Refinances 
  • First time home buyers
  • Debt Consolidation/Credit Counselling 
  • Repeat Buyers 
  • Pre-approvals 
  • Pre-Construction Rate-Holds (up to 4 years)
  • Switches 
  • Bruised Credit Loans
  • Commercial loans

Wise financial decisions depend on the smartest financing options...

Work with Newmarket's Mortgage Broker today! No matter what your goals or lifestyle, I can help find the best mortgage for YOU.

REFINANCE

Get the best mortgage rates, explore better terms and compare your options. 

BUY A HOME

Get better options and mortgage rates with guidance through the process.

PRE-APPROVAL

Let's work together to sort through your options using an interactive mortgage calculator.

ABOUT SARAH
An authority on effective mortgage strategies & savings.
I have a passion for real estate. My mother is an accomplished real estate investor. My grandfather was a successful home builder. He founded West Rose Construction which built homes and apartments in Newmarket. 

Prior to my role as a senior mortgage specialist, I worked in the legal industry with some of Toronto's most prestigious real estate law firms. Over my career, I've helped to close over 10,000 real estate transactions. I was recently ranked top rated mortgage professional by threebestrated.ca. You can also find me listed in the top 10 broker space in Newmarket. 

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Happy People
What a pleasure it's been to work with Sarah Colucci. Refinancing existing mortgage, LOC and buying an investment property involved what was for me, lots of detail, process, documents etc. Not only did Sarah attend to all the details and fine print, she was patient and generous with her time in explaining it all and ensuring we were comfortable and knowledgeable about all our options. Never has finance stuff been so easy or enjoyable :) Thank you, Sarah!
Janice Anderson, Newmarket