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You are literally 30 minutes away from
making YOUR life easier…
Because inside this website you are about to discover:
- Why you should consider consolidating all your debt into one payment
- How quickly you can lower your monthly payments by 50% or more
- Which financing options are proven to work for you quickly
- What exactly you need to do to get preferred rate
- How to improve your credit rating and credit score
- How you can get a free home appraisal
I specialize in debt consolidation strategies for homeowners only. If you are currently renting and need a small loan then please click here.
I’ve already helped thousands of homeowners. I am talking about people like Cheryl and Robert who are now saving over $1,100 every month…
“Hi Joe, Thank you very much for all of your help. We really appreciate your promptness and your great knowledge. You have made this process a great ease and pleasure. Thank you!
Cheryl and Robert McLachlan, Oshawa, Ontario”
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Cheryl and Robert were spending $1,797.00 each month on 2 mortgages and 4 credit cards and I reduced their monthly payments to less than $800.00 dollars.
***WARNING***
Do Not Refinance Your Mortgage or Obtain a Second Mortgage To Consolidate Your Debt Until You Finish Reading This Page!
My FREE information could:
- Save you time
- Save you money
- Help you to improve your credit
- Help you to be debt free much faster
- Help you to avoid disastrous situations
As I said, I specialize in debt consolidation strategies which include 1st mortgage refinancing and 2nd mortgage loans up to 95% of your home value.
This work earned me “TOP VOLUME MORTGAGE BROKER AWARD” from mortgage lenders like XCEED Mortgage in 2004, Maple Trust in 2005 and Macquarie Financial in 2007.
But these are not all of the mortgage lenders out there I’ve worked with in my long career.
The complete list of lenders is too long to go over here so let’s just take a look at some important lenders I am working with today…
AGF Trust
Bridgewater Bank
Equitable Trust
Firstline Mortgages
First National
Home Trust Company
ING DIRECT Canada
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Laurentian Bank of Canada
Macquarie Financial
MCAP
Scotiabank
TD Canada Trust
Wells Fargo
Xceed Mortgage
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Most of these mortgage lenders are what we call “A” lenders. They offer great mortgage products and discounted mortgage rates.
Some are “B” & “C” lenders who provide alternative lending solutions for people with less than perfect credit… or unique situation like mortgages for self-employed individuals who can’t prove their income.
In addition to these lenders you may also benefit from my private lender products for difficult situations including foreclosure help.
Whatever your situation… I am confident that you can find my services very helpful.
I know the kind of problems you are facing today because I’ve already helped thousands of people just like you!
Many of them learned the HARD WAY that asking their bank for help was a big waste of time and going from bank to bank or from broker to broker actually hurt their credit score.
You see, multiple loan requests decrease your chances of approval at discounted rates because each inquiry to your credit file may reduce your credit score.
Plus... you may look like unwanted credit seeker which is the last thing you may need right now!
There are many things you could do before you apply for your mortgage.
First... I strongly suggest that you obtain your own credit report with a credit score.
A credit score is a statistical formula that translates personal information from your credit report and other sources into a three-digit score from 300 to 850.
Your credit score is an important indicator of your creditworthiness.
In general, the higher your score, the lower the probability that you will become delinquent on credit extended to you.
Lenders use your credit score to determine if you are a good candidate for credit and likely to pay your bills.
Because your credit report is updated every day, your score is recalculated continuously and therefore your credit score from a month ago is probably not the same score today.
What is used to calculate your score?
- Payment history - Indicates whether you have made your credit card payments, loan payments and other payments on time
- Amounts owed - Compares how much you owe to your credit limits with various lenders
- Length of time in file - Indicates how long you have had credit accounts
- New credit - Shows how often you are looking for new credit and how you handle accounts you have recently opened
- Type of credit - Considers the type of loans you have - car loans, lines of credit, credit card balances
Top 10 Ways to Improve Your Score
10. Learn what your current FICO® Credit Score is and what appears on your credit report. Score Power® gives you immediate access to your credit report and includes your current FICO score.
9. Don't open new credit cards that you don't need just to increase your available credit. This approach could backfire and actually lower your score.
8. Try to keep your total account balances as low as possible. High outstanding debt may negatively affect your score, as you have a greater chance of missing payments.
7. Correct any incorrect information that might appear on your credit report. Visit Fixing Errors on Your Report for more information.
6. If your credit is severely damaged, or you have a very short credit history, there are still ways to improve your credit over time. Consider opening new accounts responsibly and paying them off on time.
5. If you fall behind on paying a bill because of illness, unemployment, or family issues, write a short explanation to the credit reporting agencies. They will add it to your credit report. Also, call your creditor to explain the circumstances and, if possible, work out a payment schedule you can meet.
4. If you need help building your credit from scratch or re-establishing credit after bankruptcy or consumer proposal consider taking advantage of secured credit card.
3. To minimize the number of inquiries on your credit report, don't apply for multiple credit cards over a short period of time, or for a card you're not likely to get. Apply for new credit accounts only as needed.
2. Make all of your payments on time. If forced to miss a payment, be sure to pay the following month. Accounts more than 60 days past due will be indicated on your credit report.
And the number one way....?
1. Continue to check your credit report regularly, correcting errors and inaccuracies that can damage your credit score. Check your Equifax Credit Report now!
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When you obtain your credit before applying for a loan or mortgage, you will have the opportunity to correct the wrong information, increase your credit score which in turn could result in lower interest rate on your next mortgage.
You can obtain your credit report online from Equifax Canada, but make sure that you get one with the FICO score.
To view your credit report simply click here to open a new window with Equifax site (this site will stay open) > Click on Score Power "order now" button > register new account > and you will be able to view your credit instantly.
The cost is only $23.95.
If you are married you may want to get one for your spouse as well.
Now that you know your credit score, I can give you a better idea which one of the mortgage refinancing and debt consolidation options you can apply for.
If you would like to eliminate your debt from your life you will need to…
1) Find a mortgage professional who will look after your best interest for the rest of your life. Be upfront with your specific needs and don’t be hiding stuff. You’ll benefit greatly.
2) Stop running from bank to bank or from broker to broker. Your own mortgage professional can do all that for you. This way you’ll get the best deal and protect your credit score.
3) Cut up all credit cards except one or two which you’ll use for emergency purposes only. You don’t need 10 different credit cards and credit lines. They make your bank richer and you poorer. If you cut them up and close the accounts then you will not rack them up again.
Here is what Terry said about my services…
“Hi Joe, I would like to express my sincere gratitude for your assistance in getting our refinancing in a difficult situation and at a very good rate too! We closed yesterday and I really don't think we could have done this without your knowledge and expertise. THANK YOU!
Terry Wastesicoot, Ajax, Ontario”
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Recent studies reported that people are spending 120% to 130% of their incomes on all living expenses.
This means that for every $1.00 you bring home you are spending as much as $1.30 on living expenses including mortgages, loans and credit card bills!
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Does it make you mad that you are deeper in debt today than you were 10 years ago?
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Are you staying up till 3:00 o’clock in the morning thinking about it?
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Are you scared or unsure how to solve this specific problem?
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...OR, perhaps you are just worried you should do something about your situation before it’s too late.
I don't just provide a quick fix solution to your problems I give you a long term solution which puts you back in control of your financial future…
Here Are Some Financial Disaster Warning
Signals and What You Can Do To Avoid Them
Please ask yourself these 3 questions:
1) Are you starting to fall a little behind on your bills or are you already on your way to bankruptcy?
2) How can you keep bankruptcy from happening when your credit card bills just won’t stop coming?
3) How do you climb out of the debt hole without causing damage to your credit report - not to mention your quality of life?
Here are some of the common warning signals which IF corrected in time, can help you to steer clear of financial disaster.
- Spending increasing amounts of your income to pay your bills
- Putting off paying your bills for few days because you don't have enough money to cover them
- Being near, at or over the limit on your credit cards
- Making only minimum payments on your bills
- Juggling credit card bills
- Paying only minimum monthly payments on credit cards
- Using credit card for monthly expenses because you don't have cash to pay for them
- Paying bills with money which was supposed to go for something else like kids tuition or your retirement
- Have no savings
- Having your credit cards cancelled by the issuer because you have been consistently over your limit
- Had your auto or life insurance cancelled because you missed payments
- Putting off medical visits because you can't pay for them
- Working overtime or two jobs
- Received utilities shut-off notices in past
- Being overdrawn on your bank accounts
- Worrying about your money
- Argue with your spouse about money problems
- Being afraid that someone can find out how far in debt you are
- Drinking more alcohol
If you answered yes to one or more of the questions, you may or may not have cause for alarm, depending on the context of your answers.
However, if you are drawing down your savings to make minimum monthly payments on your credit card bills then the alarm bells should be ringing LOUD and CLEAR.
If you answered yes to many or most of the warning signals, you definitely have a problem and you should seriously consider taking advantage of my services before it's too late!
My clients come to me from all walks of life…
They are factory workers, construction workers, self-employed individuals, realtors, government employees, police officers, firefighters, nurses, doctors, dentists and yes, also bank employees and yes... EVEN bank managers!!
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Improve your credit rating so you can always get the lowest rates
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Consolidate your bills so you can enjoy one monthly payment
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Slash your budget so you can finally start saving. |
You can be up and running within as little as 20 minutes from now…
...and since I work fast, it’s possible you’ll see your first savings by the end of the next month!
Click Here if you are ready to get started.
Here Is How You Can Get Started Today and Why My System Can Work For You Quickly
- IT ALL STARTS with filling out this form – this part takes about 10 to 15 minutes (and this is also where you tell me about your problems, goals and objectives!)
- YOU’LL receive quick response from me – this is where I will go over all of your financing options!
- YOU’LL then decide which financing option best suites your current needs – Don’t worry I’ll make it really simple for you!
- YOU’LL select your financing option - I’ll match you with a lender who offers the best rate for that product (This is where you’ll protect your credit rating!)
- LENDER issues approval in as little as 1 hour and you'll receive it the same day or overnight!
- YOU’LL review the offer in the comfort of your home, call or email me with any questions. Then simply deliver your signed approval back to me and...
- I’LL deliver it back to the lender who will take up to 48 hours to review and provide us with outstanding conditions list (if any).
- YOU’LL satisfy outstanding conditions (income, lawyer info, etc.) and your new mortgage loan is ready for funding!
- YOUR LAWYER receives closing instructions - and pays off your debt in full, and...
- YOU ARE BACK ON THE RIGHT TRACK!!
As you can see this is not that difficult and most of all there is NO PRESSURE whatsoever...
I arrange everything and you just meet with your own lawyer to close it.
Joe Malek was amazing and went way beyond our expectations.
They were great from start to finish and really helped us out. Thank you!
Dennis Family, Courtice, Ontario
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"Being self employed, we got turned down by all major lenders in our area for no income verification mortgage"
Then we found Joe Malek's website and decided to fill out online home purchase application. We were pleasantly surprised to get a call the very next day that we were pre-approved.
In less than 3 days our application for a mortgage was fully approved and we were able to move on to the next things on our to-do list. Thank you Joe for your fast service!
Vojtech Zubek and Marcela Zubek, Oakville, Ontario
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"Thank you so much. I really appreciate the speedy service you and your staff have provided for me this time and in the past.
It is great to deal with people who know what they are doing!"
Diane Blake, Stoney Creek, Ontario
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"April & Tom are saving $894.00 each month with a second mortgage through one of my alternative lenders!"
Hi Joe,
Thanks for the great advice and the awesome book. I have managed to dive into it a little bit and look forward to reading the rest. Myself and Tom were very pleased with all your and your help. I would recommend your office and you to anyone. Thank you very much...
The Dykstra's, Ilderton, Ontario
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"John & Enrid are saving $14,520 this year only with my short term first mortgage strategy!"
Joe, my wife and I very much appreciate the work you have done on our behalf. We have ended up with a mortgage on favorable terms and well positioned to improve that in the near future thanks to your advice.
My comfort level in dealing with you was established during our first discussion, in which you made sure I was clearly aware of all of the costs involved in each of the alternatives we discussed. There have been no hidden fees or last minute surprises.
We wanted to complete this mortgage arrangement in an unusually short time, and your cooperation in prompt responses and negotiating the same from the lenders was greatly appreciated.
We look forward to continuing to work with you, and we will certainly recommend your services to others. Sincerely...
John Sigurjonsson, Chatham, Ontario
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