Raj Puthenkulangara
Mortgage AgentI will help you make educated decisions along the way and I will always look for ways to save you money. I will find the best deal for you that fits your needs.meet rajRaj Puthenkulangara
Mortgage AgentI will help you make educated decisions along the way and I will always look for ways to save you money. I will find the best deal for you that fits your needs.meet rajRaj Puthenkulangara
Mortgage AgentI will help you make educated decisions along the way and I will always look for ways to save you money. I will find the best deal for you that fits your needs.meet raj
Raj PuthenkulangaraI will help you make educated decisions along the way and I will always look for ways to save you money. I will find the best deal for you that fits your needs.meet rajRaj PuthenkulangaraI will help you make educated decisions along the way and I will always look for ways to save you money. I will find the best deal for you that fits your needs.meet rajRaj PuthenkulangaraI will help you make educated decisions along the way and I will always look for ways to save you money. I will find the best deal for you that fits your needs.meet raj
How We Can Help You
Buying a Home
We can help you to get the keys to your dream home delivered seamlessly
Investment Property
Avail hassle-free property investment options from us that can indeed aid you
Refinancing
Are you looking for a refinancing option? We are here to take care of your refinancing needs
Commercial Mortgages
Whether you’re purchasing a commercial property or remortgaging one, we are a specialist
About Raj
Mortgage Agent
Lic # 10530
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spmortgagescanada@gmail.com
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Work (647) 855-0484
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Cell (647) 855-0484
- 208 – 1965 Britannia Rd W, Mississauga, ON L5M 4Y4
Languages: English, Hindi, Tamil, Malayalam
Specialties: Residential Mortgages, Self Employed, First-Time Home Buyer, Alternative Lending, Bad Credit, Reverse Mortgages, New Canadian
Providing financial advice on lending and anything related to credit.
Why Choose Us
We have ample reasons that can help you to choose us.
- Customized financial or mortgage solutions are what we cater to our clients
- Our expert staff will handle all your mortgage-related requirements
- We guarantee low mortgage rates to our clients
- You can enjoy the best mortgage experience
- We offer a quick and easy financing process supported by top-notch technology.
what clients say
Testimonials
Raj Puthenkulangara has superb knowledge of the market. I receive an excellent service from him.
Botham Mc Clean
I was looking for a second mortgage option.. At the initial level, I became a bit skeptical about the entire process, but Raj Puthenkulangara removed all my doubts.
Mark Markle
Thank Raj Puthenkulangara for solving my mortgage issues seamlessly. Thanks a lot.
Erica Johnson
Have a Question?
FAQ
We are here to help you 7 days a week and respond within 24 hours. Plus, you can find most answers to your questions right on this page.
Indeed a good query! A mortgage is a genre of loan taken out to purchase a house. A mortgage lender enters into a formal arrangement to purchase your home in full with the understanding that you would pay the lender back plus interest over a predetermined period of time. Even if they don’t have the whole amount of money accessible right once, mortgages enable purchasers to buy homes.
What is the difference between pre-approval and pre-qualification of a mortgage?
Simply put, a pre-qualification is your mortgage advisor’s assessment of your potential to purchase a property. Your credit score and a few other self-reported factors are used to calculate it. A pre-qualification may help you determine which loan program is suitable for you and even how much you might be able to borrow.
Your loan amount is formally confirmed by pre-approval. A more rigorous examination is conducted on your income and asset documentation. You can consider buying a home more seriously after receiving pre-approval. Your consultant will be able to provide some useful advice on improving your credit score, reducing your debt, or overcoming any other financial barriers keeping you from purchasing a property if you are unable to be pre-approved.
What type of mortgage can suit my demand?
Give the lender as much information about your circumstances as possible throughout the communication, and be careful to address any queries they may have.
If they suggest a particular loan option for you, ask them to put it—or a few options—in writing so you may compare them and learn about the advantages and disadvantages of each situation. A good time to inquire about options is now.
Do not be scared to inquire why. Make them clarify any fees or costs that seem strange to you. Move ahead if you’re certain that they seem to understand what they’re talking about and have your best interests in mind. If not, feel free to go somewhere else.
Mortgage broker or bank- whom to choose?
A mortgage broker and a bank, certainly have varied differences. The primary distinction is that a bank mortgage officer solely promotes the products that their institution offers, whereas a mortgage broker acts as an intermediary between other lenders and receives compensation for referring business from those lenders. Moreover, mortgage brokers possess knowledge about the market and what other lenders have to offer.
How to define a private mortgage?
Private mortgages are intended to be temporary fixes, often lasting one to three years, that assist borrowers to achieve their objectives while building their credit or providing emergency lending.