MORTGAGE SOLUTION:
Your trusted partner to navigate the complex world of mortgages, with transparency and knowledge.
01
Buying a first home
David assists clients in purchasing their first property by providing full support and clear explanations throughout the process, whilst ensuring they have access to the best rates available on the market.
02
Refinancement et consolidation de dettes
It helps clients leverage their home equity to consolidate debt, pay off high-interest loans, and optimize their financial situation. This helps reduce monthly payments and free up additional funds for other projects or investments.
03
Solutions pour travailleurs autonomes
Recognizing the challenges faced by the self-employed, David partners with a wide range of lenders (A- and alternative) to offer programs tailored to stated income. These solutions make it easier for those with variable incomes to access loans.
04
Loans for investment and multi-residential properties
David also helps investors finance projects ranging from a single condo to large multi-residential buildings, meeting the needs of clients wishing to diversify their real estate portfolios.
David Mancini is a Montreal-based mortgage broker with Orbis Group. He offers professional services to guide his clients through the purchase of their first home, refinancing, debt consolidation, and finding mortgage solutions tailored to the self-employed.
Are you ready to become a homeowner?
01
Credit score
A strong credit score is essential. With a score of 680 or higher, you are generally well positioned to get great rates. The higher your score, the better your loan terms will be. If your score is lower, we can advise you on ways to improve it.
02
Dette
Your ability to manage your debt is crucial. Lenders look for borrowers with a healthy debt-to-income ratio, without major outstanding debts. Make sure your current financial obligations are well under control to strengthen your case.
03
Deposit
Having an adequate down payment is an essential step. The minimum required is 5% of the purchase price for eligible properties. However, a higher down payment can reduce your loan and long-term costs. We are here to guide you in optimizing your resources.
Here are three reasons to choose David Mancini as your mortgage broker
Personalized and Transparent Support
We take the time to understand each client's unique needs, whether it's a first-time home buyer, refinancing, or real estate investment. Our clear and transparent approach makes it easy to navigate the steps of mortgage financing.
Expertise with Complex Profiles, such as Self-Employed Workers
We understand the challenges of self-employed workers and offer tailored solutions to simplify their access to a mortgage. Our experience and knowledge allow clients in atypical situations to benefit from personalized service and solutions.
Access to Competitive Rates and a Diverse Lender Network
Through his partnerships with a wide variety of lenders, from major banks to alternative institutions, David is able to negotiate competitive rates and offer financing options that perfectly meet the needs of his clients.
