Francine Caux - Chartered Mortgage Broker at Multi-Prêts Mortgages in Saint-Bruno, QC
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Francine Caux

Chartered Mortgage Broker

testtesttest@test.com

Work

(416) 987-9875

Regions served: Rive-Sud/Montérégie

Languages: French

Specialties: Reverse Mortgages

About Me

About Me

At Multi-Prets Mortgages, we have a mission to find the best mortgage for you, free of charge. When you meet with our brokers, you gain access to products from 20 financial institutions all in one sitting. Because of this, you can be sure you'll get a mortgage catered to your needs, helping you save thousands of dollars!

Take advantage of our expertise, our knowledge and strength of negotiation as the leading mortgage broker in Quebec.

Meet the Multi-Prets team. There's no better choice.

4 reasons why it's smart to use Multi-Prêts

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Reverse Mortgages

If you’re a homeowner over the age of 55 and want to tap into your home equity, a reverse mortgage can be the right solution for you. A reverse mortgage is also known as an “equity release”. With a reverse mortgage, you can access up to 55% of the equity in your home tax-free as a lump sum or monthly cash deposits. The maximum amount you are able to borrow will depend on your age, your home’s appraised value, and our lender. No mortgage payments are required and you maintain ownership of your home. Repayment of the loan and interest is only required once you move or sell the home. At the end of your loan term, you may have less equity in your home. If you don’t make any payments, which is fine, you may have a larger interest payment to make when the home is sold.

A lender will often ask you to consult a lawyer prior to giving you a reverse mortgage to ensure you understand the conditions of the mortgage. The lender can never force you to sell your home to repay the reverse mortgage. It is also important to note that all existing loans on the property, including a mortgage or a home equity line of credit must be paid off prior to getting the mortgage.

Whether you’re looking for a financial cushion to live comfortably, funds to cover monthly expenses, pay off debt, renovate or fund your children’s education, you can use the funds from a reverse mortgage in any way you want without restrictions! What’s more, is if the home goes up in value, it doesn’t affect the reverse mortgage, meaning that all equity gained is yours! Lastly, you can get out of a reverse mortgage at any time by paying off the loan and any interest accrued.

Have a discussion with your mortgage professional to find out if a reverse mortgage is the right solution for you.

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See how much you can afford

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See our best rates

See our best rates

Today's Multi-Prêts Mortgages mortgage rates

As of October 05, 2022

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*Some conditions apply. Subject to change without prior notice. Rates may vary according to the amount borrowed, your credit rating, guarantees offered and other factor. Please refer to your Multi-Prêts broker for more information.

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