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Our personalized approach considers your credit score, rate fluctuations , future equity and refinancing options ensuring a mortgage plan that aligns your long-term aspirations
Switching or transferring a mortgage refers to moving your existing mortgage from one lender to another, typically to take advantage of better interest rates or terms.
Switching or transferring your mortgage can potentially save you money by accessing lower interest rates, reducing monthly payments, or providing more favorable terms.
The ideal time to switch or transfer your mortgage is when your current term is up for renewal or when you are looking for more favorable terms during your mortgage tenure.
A mortgage prepayment penalty is a fee charged by the current lender if you break your mortgage contract early. It’s essential to review your mortgage agreement to understand potential penalties.
Yes, you can switch or transfer your mortgage before the current term ends, but it may involve prepayment penalties. Discuss the options with a mortgage professional.
Benefits include potential cost savings, lower interest rates, improved terms, and access to better mortgage products to suit your financial needs.
You may need to provide documentation related to your income, credit history, property appraisal, and mortgage statements from your current lender.
Research and compare offers from different lenders, considering interest rates, terms, customer service, and any additional costs involved in the switch.
While a lower credit score may limit some options, certain lenders offer mortgage products tailored to individuals with less-than-perfect credit.
The timeframe for switching or transferring a mortgage can vary depending on the lender and the complexity of your financial situation.
Yes, you can consider refinancing your mortgage when switching or transferring to access additional funds for home improvements or other purposes.
Switching or transferring your mortgage itself does not directly impact your credit score. However, applying for a new mortgage may result in a credit inquiry.
Yes, you can switch or transfer your mortgage multiple times over the course of your mortgage term, as long as you meet the lender’s eligibility criteria
We’ve been told it is not possible to overachieve our customer’s expectation. we have not reinvented the wheel, we decided to build upon it.
Current Mortgage Challenges:
Client, a homeowner with an existing mortgage, felt dissatisfied with her current lender's services. High interest rates and limited flexibility prompted her to explore better options for her mortgage.
Shelto's Tailored Solutions:
Seeking a more favorable mortgage experience, Client approached Shelto for assistance with switching and transferring her mortgage. Shelto's team carefully reviewed her current mortgage terms and recommended suitable alternatives.
Seamless Mortgage Transition:
With Shelto's guidance, Client smoothly switched her mortgage to a new lender offering competitive interest rates and flexible terms. Shelto handled the entire transfer process, ensuring minimal disruptions and paperwork.
Financial Relief and Savings:
By switching to a more favorable mortgage, Client experienced significant savings on interest payments. The improved financial flexibility allowed her to allocate funds for other important financial goals.
Testimonial:
"Shelto's expertise made my mortgage switch and transfer process seamless. They helped me find a better mortgage with lower rates, saving me money and providing peace of mind. I highly recommend their services!" Client
Disclaimer: The above case study is for illustrative purposes only and does not represent any specific individual or financial situation.
We’ve been told it is not possible to overachieve our customer’s expectation. we have not reinvented the wheel, we decided to build upon it.
Current Mortgage Challenges:
Client, a homeowner with an existing mortgage, felt dissatisfied with her current lender's services. High interest rates and limited flexibility prompted her to explore better options for her mortgage.
Shelto's Tailored Solutions:
Seeking a more favorable mortgage experience, Client approached Shelto for assistance with switching and transferring her mortgage. Shelto's team carefully reviewed her current mortgage terms and recommended suitable alternatives.
Seamless Mortgage Transition:
With Shelto's guidance, Client smoothly switched her mortgage to a new lender offering competitive interest rates and flexible terms. Shelto handled the entire transfer process, ensuring minimal disruptions and paperwork.
Financial Relief and Savings:
By switching to a more favorable mortgage, Client experienced significant savings on interest payments. The improved financial flexibility allowed her to allocate funds for other important financial goals.
Testimonial:
"Shelto's expertise made my mortgage switch and transfer process seamless. They helped me find a better mortgage with lower rates, saving me money and providing peace of mind. I highly recommend their services!" Client
Disclaimer: The above case study is for illustrative purposes only and does not represent any specific individual or financial situation.
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