Are You a First Time Home Buyer? Congratulations!

You have dreamed about it and you have planned for it. Now you're ready to make the biggest financial decision of your life! We can help you open the door to home ownership and a better future.

Investing in your own home really is like investing in yourself. Whether you are recently graduated, just married or simply tired of throwing your money away every month on rent you need the services of a top producing Sumex Professional to answer your questions. Remember, we work for you, not the banks or other lenders so you get unbiased advice.

Since we work with many lenders, you with the choice, convenience and counsel that you deserve to make your first time home buying experience an easy and rewarding experience.

Before you start looking for your first home make sure you talk to your local top producing Sumex Professional first! They'd be more than happy to help you.

It's a great time to talk to a Sumex Professional. They have the knowledge you need to help you make the right decisions, including advice on mortgage financing options you may want to consider when buying and selling.

You Have Options!

From choosing the right mortgage to paying for the expenses associated with your home purchase, we can offer you some real options. Concerned about breaking your mortgage contract or losing your low interest rate when you sell your home? We can help you assess your current mortgage and review what's in your best interest. Best advise, contact Sumex and we'll be able to help you make all the right moves.

Pre-approval is key. This process will provide you with a specific dollar amount that you can afford. Lenders and sellers will know you are serious about buying when it's time to make an offer. And in hot real estate markets, a buyer may need to act fast; if the competing buyer has a pre-approval in hand and you don't, they win.

Pre-approval is quick and relatively painless. Usually you can get pre-approved within 24 hours with the necessary income verification and supporting paperwork on hand. It's the right step in your home purchase process. Let's get you pre-approved today. Contact Sumex and we'll be able to answer all your questions.

You have worked hard to build the equity in your home and now might be the time to get the equity, working for you.

Are you're thinking about undertaking that long-planned home renovation, dreaming about that great vacation, or wanting to pay off your credit cards? Maybe you have even started planning for your children's future education? A mortgage refinance maybe your best option. Working with a top producing Sumex Professional will provide you with choice, convenience and great counsel so you can select the best solution for your needs.

We work with many lenders to get you the best rate, best term and the features you want so you can use the equity in your home. It's just one way we can get your mortgage working for you!.

Don't renew your mortgage, Renegotiate it

In the majority of cases your existing lender will offer you a moderate discount over the “posted rates” and all you have to do in most circumstances is sign a letter you receive by mail. Sounds easy and painless, we know, but you may have just cost yourself thousands of dollars over the new term of your mortgage.

When buying anything as an investment you must be certain that you can afford to buy and hold the investment over the long-term as there are costs and risks involved in disposal and acquisition. This applies whether you are purchasing property, a rental unit, or a business. Unless you have the cash flow to support the investment you may actually cost yourself money. It is essential that you get advice from an expert who is independent, someone who has your best interest in mind when giving you advice. We can put you in touch with independent experts in finance and accounting if you do not already have your own.

Buying an investment property is rapidly becoming the preferred investing method in recent times. Since real estate values usually rise as time passes, it is considered a secure option to invest in. Nonetheless, to enjoy a profitable investment there are certain factors that you need to consider before buying an investment property.

Decide on whether you are going to hold on to the property for a increase in real estate value before selling or are you going to make profits within a few months by renting out the property. Each type of these investments comes with certain outcomes that require expertise and knowledge in that area. For example, if you are buying investment properties as a long-term investment you need to know the long- term development potential of the property location. While the price of the property might be low, you can expect a considerable amount of expenses in the mean time and the profits only to be had in the long run. Best advice, us at Sumex and we'll be able to answer all your questions.

The advantage of a line of credit over a regular loan is that interest is not usually charged on the part of the line of credit that is unused, and the interest rate is usually much more attractive than traditional credit card rates. The borrower can draw on the line of credit at any time that he or she needs to. And in some instances it's a good idea to consolidate your debts with a line of credit or it can be used to help you achieve home improvement dreams or many other “wish-lists” you may have. Contact Sumex and we'll be able to answer all your questions.

A private mortgage is a good way to get fast cash for just about any purpose. If you don't qualify for a regular mortgage or don't have time to wait the regular two to three weeks to get the money from a bank or trust company, private lenders can help.

Generally, private mortgages are offered by large, well established companies who are in the business of lending money. The people who run these companies are sometimes ex-bankers or private citizens and have lots of experience in determining credit worthiness. They end up in private lending institutions because they realize that conventional banks turn away far too many people that are willing and able to pay back their loan. This may be the right path for you. Contact Sumex and we'll be able to answer all your questions.