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Ray Cummings Mortgage Agent Level 1
Mortgage Planner
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You need to watch this video! We're going to give you 5 tips to buying your first home. See More VideosFind out 3 ways to pay down your mortgage faster! See More VideosSee why your broker can help you with more than just a great rate! See More VideosNew home buyers have a lot to think about. We'll tell you 5 smart tips to get you started. Click to learn moreWith Mortgage Financing, home ownership for new Canadians is possible. Click to learn moreLender title insurance is a one-time premium required to insure your mortgage and cover any risks to title. Click to learn more |
Mortgage SolutionsWe're here for you with step-by-step advice and tips so you can make smart decisions with complete peace of mind.  Why Use a Broker?Our independent brokers are on your side, offering unbiased advice and mortgage solutions that are tailor made for you.  Our LendersWe believe it makes good sense to be able to choose from over 50 of Canada’s leading lenders for competitive rates & service. NEWS & ARTICLES
Dreaming of a Home Away From Home? If you are dreaming of your very own vacation home, there are ways to make it happen! ...more 
Purchase Plus Home Improvements When it comes to shopping for your perfect home, it can be hard to find the exact one ready to go! In fact, most homes come with flaws of a sort whether it is old paint or flooring, outdated fixtures or perhaps more extensive repairs are needed. While some buyers have no issues dealing with these deficiencies in a home or perhaps do not consider them dealbreakers, other house hunters might. ...more 
Refinancing: What You Should Know Refinancing your mortgage refers to the process of renegotiating your current mortgage agreement for a variety of reasons. Essentially, allowing you to pay off your existing loan and replace it with a new one that better suits your needs. ...more 
Reverse Mortgages and What to Know For many Canadians who are looking to retire but currently facing high debt load and ongoing expenses, as well as reduced income, it can be a challenge. This is where the reverse mortgage can help! ...more 
Understanding Insurance Not all insurance products are created equal. One of the most common mistakes homeowners and potential homeowners make is that they hear the word “insurance” and just assume they have it! Well, you might have one kind of insurance, but you might be missing coverage elsewhere. It is important to understand all the different insurance products to ensure you have proper coverage . ...more |
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