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Our​ ​service​ ​is​ ​free​ ​and​ ​our​ ​simple​ ​online​ ​application​ ​only  takes​ ​90​ ​seconds.  Mortgage​ ​Broker? Call​ ​Our​ ​Office:​ ​647-691-5553 Click​ ​Here​ ​To​ ​Visit​ ​Our​ ​Site GTA​ ​Mortgage​ ​Pros

201-8​ ​Sampson​ ​Mews, Toronto, Ontario, M3C​ ​0H5 647-691-5553 Website:​ ​https://www.gtamortgagepros.com Google​ ​Site:​ ​https://sites.google.com/site/bestmortgagebrokertoronto/ Google​ ​Folder:​ ​https://goo.gl/TPq557 Twitter:​ ​https://twitter.com/gtamortgagepros

Mortgage,​ ​New​ ​Car?​ ​Negotiate​ ​Loans​ ​To​ ​Save​ ​Big​ ​Money​ ​On​ ​Purchases Seeking​ ​to​ ​remodel​ ​a​ ​kitchen​ ​or​ ​looking​ ​for​ ​ways​ ​to​ ​free​ ​up​ ​some​ ​cash​ ​for​ ​another​ ​purchase? One​ ​way​ ​to​ ​save​ ​big​ ​bucks​ ​is​ ​to​ ​be​ ​a​ ​better​ ​negotiator​ ​when​ ​taking​ ​out​ ​a​ ​loan.​ ​Whether​ ​it’s​ ​a new​ ​or​ ​refinanced​ ​mortgage​ ​or​ ​car​ ​loan,​ ​financial​ ​experts​ ​say​ ​consumers​ ​are​ ​leaving​ ​thousands of​ ​dollars​ ​behind​ ​by​ ​simply​ ​not​ ​asking​ ​for​ ​better​ ​terms.​ ​That​ ​means​ ​less​ ​money​ ​to​ ​buy​ ​home items,​ ​add​ ​after-market​ ​improvements​ ​for​ ​a​ ​car​ ​or​ ​spend​ ​on​ ​other​ ​goods.

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David​ ​Osborn​ ​and​ ​Paul​ ​Morris,​ ​authors​ ​of​ ​the​ ​New​ ​York​ ​Times-best-selling​ ​book​ ​“Wealth​ ​Can’t Wait,”​ ​said​ ​people​ ​negotiate​ ​the​ ​house’s​ ​price,​ ​but​ ​never​ ​consider​ ​negotiating​ ​with​ ​their​ ​lender, even​ ​though​ ​it​ ​may​ ​eventually​ ​save​ ​them​ ​more​ ​money. “If​ ​you​ ​negotiate​ ​down​ ​one-eighth​ ​of​ ​(an​ ​interest-rate​ ​percentage)​ ​point​ ​and​ ​live​ ​there​ ​30​ ​years, it​ ​could​ ​be​ ​$50,000​ ​in​ ​savings.​ ​You​ ​should​ ​negotiate​ ​harder​ ​over​ ​the​ ​money​ ​than​ ​you​ ​do​ ​over the​ ​price​ ​of​ ​the​ ​house,”​ ​Osborn​ ​said. Similarly,​ ​few​ ​people​ ​negotiate​ ​car​ ​loans,​ ​said​ ​Miron​ ​Lulic,​ ​founder​ ​and​ ​chief​ ​executive​ ​officer​ ​of SuperMoney,​ ​a​ ​financial-services​ ​platform.​ ​Citing​ ​data​ ​from​ ​the​ ​Federal​ ​Reserve,​ ​76​ ​percent​ ​of people​ ​negotiate​ ​the​ ​car’s​ ​price,​ ​but​ ​only​ ​31​ ​percent​ ​of​ ​people​ ​negotiate​ ​their​ ​car’s​ ​loan.​ ​When​ ​it comes​ ​to​ ​car​ ​loans,​ ​dealers​ ​know​ ​buyers​ ​will​ ​focus​ ​on​ ​the​ ​payment,​ ​not​ ​the​ ​total​ ​cost​ ​of ownership,​ ​he​ ​said.​ ​That​ ​means​ ​the​ ​dealer’s​ ​finance​ ​office​ ​can​ ​hide​ ​ballooning​ ​payments​ ​later in​ ​the​ ​life​ ​of​ ​the​ ​loan. To​ ​save​ ​money​ ​—​ ​which​ ​could​ ​be​ ​spent​ ​elsewhere​ ​—​ ​start​ ​by​ ​shopping​ ​for​ ​loans.​ ​For mortgages,​ ​home​ ​buyers​ ​should​ ​apply​ ​with​ ​at​ ​least​ ​two​ ​lenders,​ ​say​ ​Osborn​ ​and​ ​Morris.​ ​Greg McBride,​ ​chief​ ​financial​ ​analyst​ ​at​ ​Bankrate,​ ​agreed. “Doing​ ​so​ ​gives​ ​you​ ​a​ ​couple​ ​of​ ​advantages.​ ​One,​ ​it​ ​helps​ ​you​ ​sort​ ​out​ ​who's​ ​got​ ​the​ ​best​ ​deal. And​ ​it​ ​also​ ​gives​ ​you​ ​somewhat​ ​of​ ​a​ ​bridge​ ​in​ ​negotiating​ ​things​ ​like​ ​rates​ ​and​ ​fees​ ​paid,” McBride​ ​said. Try​ ​to​ ​apply​ ​with​ ​different​ ​lenders​ ​in​ ​the​ ​same​ ​day,​ ​but​ ​don’t​ ​worry​ ​about​ ​having​ ​multiple inquiries​ ​hurting​ ​credit​ ​scores,​ ​McBride​ ​said.​ ​Multiple​ ​inquiries​ ​within​ ​that​ ​30-day​ ​period​ ​are treated​ ​as​ ​one. McBride​ ​said​ ​to​ ​consider​ ​mortgage​ ​application​ ​fees​ ​and​ ​other​ ​costs​ ​when​ ​comparing​ ​lenders’ offerings.​ ​These​ ​include​ ​fees​ ​charged​ ​by​ ​the​ ​lender​ ​to​ ​provide​ ​the​ ​credit,​ ​as​ ​well​ ​as​ ​third-party costs​ ​passed​ ​on​ ​to​ ​the​ ​applicant,​ ​including​ ​for​ ​appraisals,​ ​credit​ ​reports,​ ​home​ ​inspections,​ ​title insurance​ ​and​ ​taxes. A​ ​home​ ​buyer​ ​can​ ​try​ ​to​ ​negotiate​ ​a​ ​lower​ ​fee​ ​or​ ​choose​ ​a​ ​different​ ​third-party​ ​vendor​ ​for​ ​those services. Watch​ ​out​ ​for​ ​“junk​ ​fees,”​ ​McBride,​ ​Morris​ ​and​ ​Osborn​ ​said,​ ​such​ ​as​ ​high​ ​processing​ ​fees​ ​or delivery​ ​charges.​ ​Lenders​ ​can​ ​waive​ ​or​ ​lower​ ​their​ ​fees,​ ​Morris​ ​said. “Are​ ​they​ ​entitled​ ​to​ ​a​ ​$100​ ​processing​ ​fee,​ ​sure.​ ​One​ ​thousand​ ​dollars?​ ​That’s​ ​excessive,” Morris​ ​said. If​ ​the​ ​mortgage​ ​lender​ ​says​ ​there​ ​are​ ​no​ ​closing​ ​costs,​ ​it​ ​is​ ​likely​ ​the​ ​lender​ ​is​ ​charging​ ​a​ ​higher interest​ ​rate​ ​to​ ​make​ ​its​ ​money,​ ​Osborn​ ​said.

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Like​ ​house​ ​hunters,​ ​car​ ​shoppers​ ​should​ ​also​ ​shop​ ​for​ ​loans​ ​ahead​ ​of​ ​time​ ​before​ ​heading​ ​to the​ ​showroom,​ ​McBride​ ​and​ ​SuperMoney’s​ ​Lulic​ ​said.​ ​Car​ ​financing​ ​is​ ​completely​ ​negotiable, although​ ​in​ ​the​ ​dealer’s​ ​finance​ ​office,​ ​there’s​ ​little​ ​transparency,​ ​Lulic​ ​said.​ ​The​ ​average new-car​ ​loan​ ​is​ ​now​ ​close​ ​to​ ​70​ ​months,​ ​according​ ​to​ ​car-research​ ​website​ ​Edmunds.com. Having​ ​loan​ ​offers​ ​in​ ​hand​ ​gives​ ​buyers​ ​both​ ​knowledge​ ​and​ ​leverage,​ ​they​ ​said,​ ​and​ ​can​ ​be used​ ​as​ ​a​ ​fallback​ ​option​ ​if​ ​the​ ​dealer’s​ ​offer​ ​isn’t​ ​as​ ​good.​ ​Buyers​ ​who​ ​take​ ​the​ ​dealer’s​ ​offer need​ ​to​ ​scrutinize​ ​all​ ​fees​ ​and​ ​question​ ​the​ ​purpose.​ ​Avoid​ ​the​ ​hard​ ​sell​ ​by​ ​being​ ​willing​ ​to​ ​walk away,​ ​they​ ​said,​ ​which​ ​is​ ​easy​ ​to​ ​do​ ​with​ ​a​ ​new​ ​car​ ​purchase​ ​since​ ​there’s​ ​usually​ ​another dealer​ ​close​ ​by. Considering​ ​the​ ​average​ ​new​ ​car​ ​loan​ ​is​ ​closing​ ​in​ ​on​ ​six​ ​years,​ ​Lulic​ ​said​ ​it​ ​can​ ​be​ ​worthwhile to​ ​look​ ​into​ ​refinancing​ ​an​ ​expensive​ ​car​ ​loan. “You​ ​can​ ​save​ ​a​ ​ton​ ​of​ ​money,​ ​maybe​ ​even​ ​shorten​ ​the​ ​life​ ​of​ ​the​ ​loan,”​ ​he​ ​said.

Mortgage​ ​Brokers​ ​Toronto Contact​ ​Details: GTA​ ​Mortgage​ ​Pros 201-8​ ​Sampson​ ​Mews,

https://www.gtamortgagepros.com Toronto, Ontario, M3C​ ​0H5 647-691-5553 Website:​ ​https://www.gtamortgagepros.com Google​ ​Site:​ ​https://sites.google.com/site/bestmortgagebrokertoronto/ Google​ ​Folder:​ ​https://goo.gl/TPq557 Twitter:​ ​https://twitter.com/gtamortgagepros Related​ ​Contents: mortgage​ ​broker toronto​ ​mortgage​ ​broker mortgage​ ​broker​ ​toronto mortgage​ ​brokers​ ​toronto best​ ​mortgage​ ​broker​ ​toronto toronto​ ​mortgage​ ​rates toronto​ ​mortgage toronto​ ​mortgages ontario​ ​mortgage​ ​broker mortgage​ ​broker​ ​ontario mortgage​ ​brokers​ ​ontario mortgage​ ​broker mortgage​ ​brokers mortgage​ ​broker​ ​near​ ​me mortgage​ ​broker​ ​in​ ​toronto toronto​ ​mortgage​ ​brokers Recommended​ ​Links: https://goo.gl/qUYq27 https://goo.gl/RggghU https://goo.gl/TPq557 https://goo.gl/CNNCKj https://goo.gl/HMBKZ1 https://goo.gl/QKdXD2 https://goo.gl/fQUvcA https://goo.gl/dp1mVA https://goo.gl/bLTHUy https://goo.gl/q4aRSx https://goo.gl/3etZyn https://goo.gl/SSJhPM https://goo.gl/cJUofo https://goo.gl/gNREGq

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