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About themortgageguy

Basic Information

About themortgageguy
Biography:
I'm a Mortgage agent with Dominion Lending Centres - YBM Group. FSCO#11129

I'm happy to answer any mortgage questions you may have.

Please feel free to join my group "BeatYourBank Mortgage Group"
Location:
Toronto, Ontario
Interests:
Outdoors, Volleyball, Spending time with my kids
Occupation:
Mortgage agent
Gender:
Male

Signature


Robert Ganzhorn, Mortgage Agent, FSCO#11129
Dominion Lending Centres - YBM Group
[email protected]
Join my mortgage group on smartcanucks
Each office independently owned and operated

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Total Posts
Total Posts
49
Posts Per Day
0.01
Last Post
High ratio mortgages - special offer Thu, Apr 9th, 2020 11:51 AM
General Information
Last Activity
Sat, Oct 10th, 2020 05:31 PM
Join Date
Fri, Jun 29th, 2012
Referrals
0
Home Page
http://www.robertganzhorn.ca

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23 Likes

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  1. momof3heathens
    momof3heathens liked post by themortgageguy On thread : Any mortgage questions for me? I've resurrected my Mortgage Group
    I've resurrected my mortgage group. Please join, subscribe and feel free to ask any questions you may have regarding mortgages. Link to the group is here...
    Liked On: Thu, Nov 14th, 2019, 07:13 PM
  2. MortgageQueen
    MortgageQueen liked post by themortgageguy On thread : Avoiding Capital Gains?
    There is no way to avoid capital gains tax. Secondly you better be careful around renting the condo. The HST could bite you in the ass.
    Liked On: Thu, Oct 25th, 2018, 02:16 PM
  3. bullet tooth
    bullet tooth liked post by themortgageguy On thread : does anyone use personal finance software?
    Having spent many years in the public accounting and software industries, I am very hesitant to store this type of data on anything but my home computer. No cloud storage for me thank you. There are...
    Liked On: Thu, May 19th, 2016, 05:59 PM
  4. redflies
    redflies liked post by themortgageguy On thread : does anyone use personal finance software?
    Having spent many years in the public accounting and software industries, I am very hesitant to store this type of data on anything but my home computer. No cloud storage for me thank you. There are...
    Liked On: Thu, Sep 10th, 2015, 10:07 PM
  5. Cake
    Cake liked post by themortgageguy On thread : does anyone use personal finance software?
    Having spent many years in the public accounting and software industries, I am very hesitant to store this type of data on anything but my home computer. No cloud storage for me thank you. There are...
    Liked On: Fri, Aug 7th, 2015, 10:13 AM
  6. ROMEO
    ROMEO liked post by themortgageguy On thread : Questions about Mortgage
    Generally speaking your mortgage broker should be remunerated by the lender her sets you up with. The service shouldn't cost you anything. Broker vs. bank.. the 2.99 rate from pc financial is...
    Liked On: Thu, Jan 22nd, 2015, 01:14 PM
  7. Angelica Francisco
    Angelica Francisco liked post by themortgageguy On thread : Questions about Mortgage
    Generally speaking your mortgage broker should be remunerated by the lender her sets you up with. The service shouldn't cost you anything. Broker vs. bank.. the 2.99 rate from pc financial is...
    Liked On: Thu, Jan 22nd, 2015, 12:31 PM
  8. Tinkerbella
    Tinkerbella liked post by themortgageguy On thread : Questions about Mortgages
    Hi Tinkerbella, Rather than explain all the details of the requirements, I've put a link below that will direct you to the CMHC website that provides an excellent explanation of the requirements...
    Liked On: Tue, Aug 12th, 2014, 07:13 PM
  9. ROMEO
    ROMEO liked post by themortgageguy On thread : Questions about Mortgages
    Hi Tinkerbella, Rather than explain all the details of the requirements, I've put a link below that will direct you to the CMHC website that provides an excellent explanation of the requirements...
    Liked On: Tue, Aug 12th, 2014, 01:02 PM
  10. beckie.c
    beckie.c liked post by themortgageguy On thread : Questions about Mortgage
    Just to add to the topic... Definitely use your own realtor. The home owners and their realtor want to maximize the selling price. While the selling realtor may be unbiased, there is no reason to...
    Liked On: Thu, May 1st, 2014, 10:17 AM
  11. ROMEO
    ROMEO liked post by themortgageguy On thread : Questions about Mortgage
    Just to add to the topic... Definitely use your own realtor. The home owners and their realtor want to maximize the selling price. While the selling realtor may be unbiased, there is no reason to...
    Liked On: Wed, Apr 30th, 2014, 12:50 PM
  12. MortgageQueen
    MortgageQueen liked post by themortgageguy On thread : Questions about Mortgage
    Just to add to the topic... Definitely use your own realtor. The home owners and their realtor want to maximize the selling price. While the selling realtor may be unbiased, there is no reason to...
    Liked On: Wed, Apr 30th, 2014, 01:23 AM
  13. ROMEO
    ROMEO liked post by themortgageguy On thread : A closer look at the BMO low rate mortgage
    The spring market is finally here and predictably BMO is offering up their “Low Rate Mortgage” special to drive spring buyers into their local branch. It’s not very often that a client looks at...
    Liked On: Mon, Apr 7th, 2014, 10:18 PM
  14. ROMEO
    ROMEO liked post by themortgageguy On thread : A closer look at the BMO low rate mortgage
    This is true. The banks that don't deal with brokers directly (but likely do indirectly by funding lenders that do work in the channel) are RBC, CIBC and BMO. Scotia, TD, National Bank, Laurentian...
    Liked On: Mon, Apr 7th, 2014, 10:17 PM
  15. tjthemanto
    tjthemanto liked post by themortgageguy On thread : A closer look at the BMO low rate mortgage
    Every lender charges a penalty for breaking your mortgage unless the mortgage is open. For a fixed mortgage, the industry uses the greater of three months interest OR the IRD (interest rate...
    Liked On: Mon, Apr 7th, 2014, 08:44 PM
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