Mortgage Agent

Courtier

Discover expert mortgage solutions with Monica Peckford at Invis. Serving British Columbia, we provide personalized mortgage options for unique financial situations. Contact us today to explore your alternatives.

Mortgage Specialist in British Columbia | Monica Peckford - Invis

Découvrez des solutions hypothécaires expertes avec Monica Peckford chez Invis. Desservant Colombie-Britannique, nous proposons des options hypothécaires personnalisées pour des situations financières uniques. Contactez-nous dès aujourd'hui pour explorer vos alternatives.

Spécialiste hypothécaire en Colombie-Britannique | Monica Peckford - Invis

As a dedicated mortgage broker in Powell River, B.C., I understand that buying a home is one of the biggest financial decisions you’ll make. Navigating the world of home mortgages can feel overwhelming, but I’m here to make it easier. Whether you’re a first-time buyer or looking to upsize, I’ll guide you through every step of the mortgage process, helping you secure competitive rates and terms that suit your unique financial goals. From choosing between fixed and variable rates to understanding down payment options, I’ll ensure you’re well-informed and confident in every choice. I am also a licensed Powell River Realtor. In B.C.'s competitive housing market, timing is key. That’s why I prioritize helping you get pre-approved, so you can act quickly and confidently when the right home comes along. I’ll also help you plan for additional expenses—like closing costs, inspections, and property taxes—so you’re fully prepared. With my support, you’ll be positioned to secure the ideal mortgage and turn your dream of homeownership into a reality, feeling confident and informed every step of the way. Monica Peckford is your one stop shop in Powell River, BC. Your Mortgage Realtor for Life. Click on my website: <a href="https://monicapeckford.ca" class="editor_link">https://monicapeckford.ca</a>

As a dedicated mortgage broker in Powell River, B.C., I understand that buying a home is one of the biggest financial decisions you’ll make. Navigatin

Home Purchase + Mortgage

As your dedicated mortgage expert in Powell River, B.C., I understand that buying your first home is both thrilling and daunting. Navigating the mortgage process can seem complex, but it doesn’t have to be. I’m here to simplify things and guide you step-by-step to secure the ideal mortgage solution for your unique needs. From determining your budget to finding the best lender, I’ll be your trusted partner throughout the journey. First-time homebuyers in B.C. can also take advantage of valuable programs like the First-Time Home Buyer Incentive, the Home Buyers' Plan, and Property Transfer Tax Exemptions. These programs help make homeownership more affordable by reducing your upfront costs and monthly payments. Whether you’re looking for guidance on down payments, pre-approvals, or maximizing these incentives, I’ll work closely with you to ensure you’re informed and confident at every stage. Let’s make your homeownership dreams come true with a mortgage plan that fits you perfectly!

As your dedicated mortgage expert in Powell River, B.C., I understand that buying your first home is both thrilling and daunting. Navigating the mortg

First Time Buyer

As your trusted mortgage broker in Powell River, B.C., I always recommend securing a mortgage pre-approval before beginning your home search. A pre-approval clarifies your borrowing capacity, locks in an interest rate, and boosts your confidence as you navigate the market. By focusing on properties within your budget, you streamline the buying process and save time. Plus, pre-approval shows sellers you’re a serious buyer, giving you a competitive edge in a busy market where pre-approved buyers are often prioritized. When you work with me, I’ll guide you through the pre-approval process, ensuring all documents are in order and connecting you with lenders offering the best terms. From income verification to credit checks, I’ll handle the details, so you can focus on finding your dream home. With a pre-approval, you’ll be ready to act quickly when the right opportunity arises, and I’ll be here to support you every step of the way for a smooth, confident buying experience.

As your trusted mortgage broker in Powell River, B.C., I always recommend securing a mortgage pre-approval before beginning your home search. A pre-ap

Mortgage Pre-Approvals in BC

Mortgage Renewal Coming Up? Let’s Find You a Better Deal and Maximize Your Savings! As an experienced mortgage broker in B.C., I know that mortgage renewals and switches are key opportunities to save thousands. When your mortgage term ends, you can renew with your current lender or explore better rates and terms elsewhere. Many homeowners simply accept their lender’s renewal offer, which often means missing out on significant savings. I can help you shop around, compare offers, and secure the best possible rate—without the hassle of going through this process alone. Switching your mortgage before your renewal date can also be a smart move. While prepayment penalties may apply, the long-term savings from a lower rate or better terms could outweigh the costs. Whether you’re aiming to reduce your monthly payments, shorten your amortization, or switch between fixed and variable rates, I’ll guide you through every step, ensuring your mortgage aligns with your financial goals. Let’s work together to make sure your next renewal or switch delivers maximum value and peace of mind.

Mortgage Renewal Coming Up? Let’s Find You a Better Deal and Maximize Your Savings! As an experienced mortgage broker in B.C., I know that mortgage re

Mortgage Renewals

Looking to Save or Access Cash? Let’s See How Mortgage Refinancing Can Benefit You! As your local mortgage broker in Powell River, B.C., I understand that life changes, and your mortgage should evolve with your financial needs. Mortgage refinancing offers a way to replace your current mortgage with one that better suits your goals—whether that means lowering monthly payments, accessing equity for renovations, or consolidating high-interest debt. Refinancing can help you secure a lower interest rate and free up cash flow, allowing you to focus on what matters most, from saving for the future to addressing immediate financial priorities. Refinancing isn’t just about finding a better rate; it’s about creating financial flexibility. While there are costs involved—like appraisal and legal fees—the potential long-term savings can make it worthwhile. I’ll work closely with you to review your options, calculate potential benefits, and ensure you’re making a smart, informed choice. Whether you’re looking to rework your finances or access your home’s equity, I’ll guide you through the process, helping you secure a deal that fits your unique needs. Let’s explore how refinancing can maximize your home’s value and bring you peace of mind.

Looking to Save or Access Cash? Let’s See How Mortgage Refinancing Can Benefit You! As your local mortgage broker in Powell River, B.C., I understand 

Mortgage Refinancing

Want Lower Monthly Payments? A 30-Year Mortgage Could Be the Key to Your Dream Home in B.C.! As a mortgage broker in Powell River, B.C., I know that there’s no one-size-fits-all solution when it comes to mortgages. For many buyers, particularly in high-cost areas like Vancouver, a 30-year amortization mortgage can be an attractive option. By stretching payments over 30 years, you can lower your monthly costs, freeing up funds for other priorities—whether that’s retirement savings, investments, or everyday expenses. This extended term offers valuable budget flexibility, especially for first-time buyers or those balancing other financial commitments. While lower monthly payments are a big plus, a 30-year amortization does mean paying more interest over time. The good news? Many lenders offer flexible prepayment options, so you can make extra payments or lump sums without penalty, allowing you to pay down your mortgage faster if your financial situation improves. I’m here to help you assess all the pros and cons and find the mortgage solution that best aligns with your goals—whether it’s maximizing cash flow now or minimizing interest over time. Let’s work together to design a mortgage plan that suits your life today and supports your future financial goals.

Want Lower Monthly Payments? A 30-Year Mortgage Could Be the Key to Your Dream Home in B.C.! As a mortgage broker in Powell River, B.C., I know that t

30 Year Amortization Mortgages

Unlock Your Home’s Value with a Reverse Mortgage – Enjoy Retirement Income Without Leaving Your Home! For homeowners in Powell River and the surrounding area nearing retirement, a reverse mortgage can be an excellent way to make your home equity work for you. Available to those 55 and older, a reverse mortgage allows you to access up to 55% of your home’s value in tax-free cash—without having to sell or move. Whether you want to boost your retirement income, cover unexpected expenses, or enjoy more financial flexibility, a reverse mortgage lets you stay in your home while unlocking its value. Plus, no monthly payments are required; the loan is only repaid when you sell, move, or pass away, giving you peace of mind and financial freedom. With a reverse mortgage, you remain the owner of your home while simply having a mortgage placed against it. This means you retain full control of your property while gaining valuable cash flow. While there are costs such as interest accumulation and fees, the ability to comfortably enjoy your home and added financial flexibility often make it an attractive option for retirees. I’m here to help you explore this opportunity, explain the details, and determine if a reverse mortgage is right for your future. Let’s discuss how this financial tool can support the retirement lifestyle you deserve!

Unlock Your Home’s Value with a Reverse Mortgage – Enjoy Retirement Income Without Leaving Your Home! For homeowners in Powell River and the surroundi

Reverse Mortgages

Find the Right Mortgage Solution for Your Business Income As a mortgage broker in Powell River, B.C., I specialize in helping self-employed individuals and small business owners secure the mortgage that fits their unique financial situation. Traditional mortgage lenders often have strict income documentation requirements, which can be challenging for those with fluctuating or non-traditional income streams. That’s where I come in. I work with a variety of lenders offering flexible mortgage options specifically designed for entrepreneurs and self-employed professionals, so your business income doesn’t stand in the way of owning your dream home or investment property. Whether you’re a seasoned business owner or just starting out, I’ll help you navigate the mortgage approval process with tailored strategies to make it smoother and more accessible. From alternative income verification to customized payment options, I’ll provide the tools and support you need to secure the best mortgage deal for your goals. Let me handle the details so you can focus on growing your business, while I find the mortgage solution that’s right for you.

Find the Right Mortgage Solution for Your Business Income As a mortgage broker in Powell River, B.C., I specialize in helping self-employed individual

Self- Employed

Mortgages for Newcomers to Canada With newcomers playing an increasingly vital role in Canada’s growth, mortgage financing is available for those with both permanent and non-permanent residency status, helping you achieve your dream of homeownership in Canada. Most lenders have policies designed to support recent immigrants who have been in Canada for up to 36 months and are seeking an insured mortgage. CMHC also offers financing options for newcomers with varying residency statuses, making homeownership in Canada more accessible. I’m here to help you find the best rates and mortgage options to make buying your home a reality. Call me today—I’m here to support you every step of the way!

Mortgages for Newcomers to Canada With newcomers playing an increasingly vital role in Canada’s growth, mortgage financing is available for those with

New to Canada

Build Long-Term Wealth with Real Estate Investment properties—especially smaller residential ones—are within reach for many Canadians and have been one of Canada’s strongest investment categories over the past decade. If you’re looking to grow your portfolio and take advantage of real estate opportunities, I’m here to help. With access to unique mortgage options and expert guidance, I can support you on the path to building lasting wealth through real estate. Give me a call, and let’s explore what’s possible!

Build Long-Term Wealth with Real Estate Investment properties—especially smaller residential ones—are within reach for many Canadians and have been on

Investment Properties

Use Your Home Equity to Pay Off Credit Card Debt Are high-interest debts holding you back? You can become debt-free sooner and instantly boost your monthly cash flow by consolidating your debts into one lower-interest mortgage! Why continue paying high credit card interest when you can add that debt to your mortgage at a much lower rate? A key part of financial strategy is distinguishing between "good debt" and "bad debt." A well-structured mortgage can help you turn your high-interest debt into more manageable debt, putting you on the path to financial freedom. Consolidate high-interest credit card balances into one lower-rate mortgage.Save money and increase your monthly cash flow.Reduce financial stress by making your debt more manageable.If you're ready to take control of your debt and start saving money, contact me today to explore your options!

Use Your Home Equity to Pay Off Credit Card Debt Are high-interest debts holding you back? You can become debt-free sooner and instantly boost your mo

Mortgages

Our Rates

Resources

Contact Us

Language:

Mortgages

Resources

Our Rates

Contact Us

Phone:

Email: