President & Mortgage Agent @Clover_Mortgage - specializing in Commercial & Residential Mortgages. Follow me 4 tips on #mortgages, #investing.
Toronto, Ontario, Canada
Joined November 2013
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Steven Tulman retweeted
🏠 Refinanced when rates were low?
Now imagine:
📈 Higher mortgage costs
📉 Lower property values
💸 Little equity remaining
Some homeowners are discovering that selling won't necessarily solve their debt problems.
Did Canadians overborrow?
🎙️ Mortgages Uncensored EP5
#HousingMarket #RealEstate @StevenTulman
youtu.be/MhBOZnuhzsQ?si=DQOA… via @YouTube
🏡 Closing on your new home tomorrow?
Don't assume you'll have the keys at 9 AM! 🔑
Real estate closings take time, and possession often happens later in the day.
We discuss why with Alessandra Ocampo of Vantage Law.
@Clover_Mortgage
🚚 What time did YOU get your keys?
#ClosingDay #Shorts youtube.com/shorts/K0_HqynQk… via @YouTube
🎃 Don't let mortgage mistakes haunt your dream home! 😱🍀
👻 Avoid these scary slip-ups:
💼 Job changes mid-process
💳 Big purchases before closing
📉 Ignoring credit
🏡 Skipping pre-approval
💰 Forgetting closing costs
⏳ Waiting too long
🍀 Clover Mortgage: No tricks, just support!
When a Mortgage Podcast Turns Into Snack Time thanks to #Snoopdogg chips anc snacks!! 😂🍿 #Shorts #snoopdogg youtu.be/sfJPFVzgpPU?si=1MgO… via @YouTube @SnoopDogg
Steven Tulman retweeted
What Makes a Great Real Estate Lawyer? | Alessandra Ocampo | Mortgages Uncensored Ep 5 - Part 1
🏡 Is your real estate lawyer just there to close the deal, or should they be doing much more?
We sit down with Alessandra Ocampo of Vantage Law to talk real estate, entrepreneurship, and client service.
🎙️ Mortgages Uncensored EP5 Segment 1
🎥 youtu.be/RUoepPKb3OU?si=Cf8v…
#MortgagesUncensored via @YouTube @StevenTulman
🎃🏡 Mortgage Horror Stories: Myth vs. Reality! 👻 Think your credit score or down payment could haunt your home buying dreams? Don’t let mortgage myths scare you! 💚 Clover Mortgage is here to help.
🏡 Your homeownership journey, guided by Clover. 💚
From our first conversation to the moment you get your keys, we’re here to help you understand your options, navigate the mortgage process, and move forward with confidence.
Your goals. Our guidance. Every step of the way.
💬 Pre-Qualification: An initial estimate of what you may be able to borrow.
📋 Pre-Approval: A more detailed review of your finances to estimate your borrowing power.
🔑 Neither guarantees final mortgage approval, but both can help you plan your home buying journey! 📩 Ready to take the next step? Connect with Clover Mortgage!
🏡 Closing costs: the hidden part of home buying! 🇨🇦
Budget around 1.5%–4% of your purchase price for legal fees, land transfer tax & more.
Plan ahead with Clover Mortgage! 💚
Mortgage Myth or Fact? 🇨🇦 Think you know Canadian mortgages? 🤔 From down payments to credit scores, let’s bust 5 common myths!
💚 Have questions? Clover Mortgage is here to help.
🏡💰 What does your mortgage actually pay for? Understanding the breakdown helps you budget smarter and plan with confidence! 🍀
📉 Principal: Pays down your loan.
💵 Interest: The cost of borrowing.
🧾 Other costs: Property taxes, insurance & more.
🍂🧡 Happy Thanksgiving from Clover Mortgage! 🍁🏡
This season, we’re grateful for the homes, families, and communities that make life special. Wishing you a wonderful holiday filled with delicious food, cherished memories, and plenty of reasons to be thankful. 💚🍀
🏡 One home. More possibilities. 💚 A mortgage broker helps you explore lender options, get personalized guidance, and navigate your mortgage journey with confidence. Let’s find the right fit for your goals!
Steven Tulman retweeted
🏗️ You give a contractor a large deposit. Then they go bankrupt.
What happens to your money? 💸
In EP4 of Mortgages Uncensored, we discuss the risks of unsecured construction deposits and why protecting your capital matters.
youtube.com/shorts/pZHvfKUYa…
#MortgagesUncensored #ConstructionFinancing
Is fall a good time to buy a home? 🍀 Pros: Less competition and potentially more negotiating power. 🍁 Cons: Fewer listings and unpredictable weather.
The key? Be prepared and know your mortgage options! 🏡✨📩 Connect with Clover Mortgage to explore your options and take the next step toward homeownership!
What Happens If Your Contractor Goes Bankrupt? 😳🏗️ #Shorts youtu.be/pZHvfKUYa6M?si=o-4T… via @YouTube
Steven Tulman retweeted
🇨🇦 Political flip-flops create economic uncertainty.
In Episode 4 of Mortgages Uncensored, we discuss Mark Carney, last-minute decisions, and what unpredictable policies mean for Canadian businesses, real estate, and mortgages.
🎙️ What's your take?
youtube.com/shorts/C7jdEcv6p…
#MortgagesUncensored #Canada
🏡 Getting ready to apply for a mortgage? 🌿 Check your credit, save for a down payment, reduce debt, gather your documents & set your budget! Clover Mortgage is here to help you prepare. 💚
🍂 The Best Reason to Pre-Qualify This Fall?
Know your numbers before you start house hunting. 🏡 A fall pre-qualification can help you understand your budget, explore your options, and be ready when the right home comes along.
Less guessing. More confidence.
