
Arash Sef – Mortgage Agent – Lic# M15002076 – Mortgage Associates Ontario Inc. Brokerage Lic #12340
9AM - 9PM. 7 Days A Week
647-588-0488
Get Approved With Our
Mortgage Solutions!
Stop Power of Sale Mortgage
Home Equity Loan
Second Mortgage
Refinance Mortgage
Access Your Home Equity
With A Low Rate
Home Equity Loan
Or Second Mortgage!
Home Equity Loan
Second Mortgage
We’ve successfully assisted hundreds of homeowners in accessing funds from their home equity through our Approved Equity.
As an alternative lending expert, I specialize in assisting clients who have been turned down by the banks and other traditional lenders due to such considerations as self employment, credit issues or falling short on income. Since my lenders lend based on equity in a property as opposed to a client’s credit score or income level, I can provide a customized solution!
I will walk you through the refinance/home equity loan process, answering any questions you have along the way. I will highlight the many benefits of refinancing, which includes putting your hard-earned money to better use instead of towards paying high interest rates on credit card debts and loans.
Looking for a second mortgage for renovations, debt consolidation or simply to improve your cash flow? We’ll approve your second mortgages with low rates and flexible terms through our extensive portfolio of private investors.
Contact me today to have your home equity loans approved in less than 24 hours! We can close as quickly as 3 days!
When it comes home equity loans and private mortgages, Arash Sef with Approved Equity is recognized for providing cost-efficient solutions to a wide variety of clients in the form of refinance mortgages, second mortgages, home equity loans, construction mortgages, home equity lines of credit, and other mortgage solutions.
Arash prides himself on improving each client’s financial situation, ensuring you’re in a mortgage that makes the most sense based on your unique needs, with an exit strategy in place to ensure you can return to more traditional lenders as soon as possible.
Get Approved for a home equity loan up to 90% of your home’s value.
Arash at Approved Equity has helped hundreds of clients from all over Ontario resolve issues involving mortgage arrears, property tax arrears, CRA arrears and blemished credit.
"When you don’t fit into the banks’ narrow lending box, I’m here to help!"
"My work isn’t complete once we arrange your mortgage. I also assist with credit rebuilding programs and I’m here throughout the term of the mortgage to ensure you progress as quickly as possible into traditional funding means with access to the best available mortgage options and rates."
- Arash SefConsolidate all of your high-interest credit debts into one second mortgage! Make ONE payment every month instead of paying several different creditors.
You’ll save money on interest and your credit rating will increase by paying off your debt sooner. We can consolidate the debt into a second mortgage, behind the first mortgage on your property, where it won’t reflect on your credit bureau or impact your credit rating.
I understand your mortgage inquiry requires immediate attention. With access to 200+ lenders, I will approve your mortgage in less than 24 hours!
Is 2021 the year you’re going to become a first-time homebuyer? With interest rates sitting at record lows, now may be the right time for
Let’s face it, 2020 was a tough year. And to top it off, all of Ontario was in lockdown over the holidays and into the
You probably already know that it’s important to keep your credit score high since this rating impacts your ability to borrow money. Your creditworthiness helps
Some months are tighter financially than others, and December is often a likely culprit for cashflow issues due to holiday spending. Many lenders provide the
Did you know that you can finance your home and cover costs to fix it up at the same time through a home renovation loan
Protecting yourself when purchasing real estate is essential as homeownership in one of the largest financial investments you’ll ever make. And while owning a home
I want the mortgage rate my neighbour was offered! That’s often a popular statement from mortgage borrowers – and you can replace the word ‘neighbour’
If you have plans to move to Canada in the near future or you’ve already made the move and you’re thinking of buying a home
Getting married is a huge milestone – and one of the happiest days of your life. In contrast, a separation and eventual divorce can be
A home equity line of credit (HELOC) lets you access money you’ve built up in your home – up to 80% of the appraised value
Your mortgage term definitely matters. It represents the duration between when you sign your mortgage papers and the time your loan comes up for renewal.
The continually evolving world of mortgage products, government rules, lender guidelines and interest rates can often seem overwhelming, even if you’ve purchased multiple properties. It
Buying a home is one of life’s most significant milestones that represents an exciting and rewarding experience. It can also be very daunting, particularly when
Finding the right mortgage co-signer can be a dream come true when all you require is a little boost to qualify for the loan amount
One of the largest obstacles first-time homebuyers face when looking to buy a home is saving enough money for a down payment. Fortunately, there are
Many Canadians spend a lot of time ensuring their first mortgage is negotiated in their favour so they receive the best mortgage catered to their
With house prices on the rise, combined with low inventory and mortgage stress test qualification, an increasing number of Canadians are opting to stay in
Getting pre-approved for a mortgage before you even begin looking at real estate offers reassurance that you understand what you can afford to spend and
Credit plays a critical role in the homebuying process as lenders take a hard look at your ability to manage credit before determining whether they’ll
A second mortgage is a loan that’s secured against the equity you’ve built up in your home. As the name implies, a second mortgage is
Refinancing your mortgage can be a great option for freeing up equity in your home to use to your advantage in a number of different
Securing a mortgage at the best of times can seem daunting but thanks to elevated home prices and tighter policies surrounding mortgage qualification – including
Also known as a non-traditional or unconventional mortgage, an alternative mortgage is exactly that: an alternative to what is commonly referred to as a conventional
Debt has a way of rearing its ugly head and quickly creeping up to cause grief in our everyday lives. It can start slowly when
Current Mortgage
|
Second Mortgage
|
Home Value: $500,000 |
Home Value: $500,000 |
$300,000 1st Mortgage Balance = $1,450/ per month |
$300,000 1st Mortgage Balance = $1,450/ per month |
Before Second Mortgage |
$100,000 Second Mortgage = $500/month |
$50,000 Credit Card Debt @ 20% = $833/month |
Credit Card Debt = Paid |
$25,000 Auto Loan @10% = $208/month |
Auto Loan = Paid |
$25,000 Store Card @29% = $604/month |
Store Card = Paid |
Total $3,095/month |
Total $1,950/month |
You Save $1,145/month!!!
|
|
Current Mortgage |
Second Mortgage |
Home Value: $500,000 |
Home Value: $500,000 |
$300,000 1st Mortgage Balance = $1,450/ per month |
$300,000 1st Mortgage Balance = $1,450/ per month |
Before Second Mortgage |
$100,000 Second Mortgage = $500/month |
$50,000 Credit Card Debt @ 20% = $833/month |
Credit Card Debt = Paid |
$25,000 Auto Loan @10% = $208/month |
Auto Loan = Paid |
$25,000 Store Card @29% = $604/month |
Store Card = Paid |
Total $3,095/month |
Total $1,950/month |
You Save $1,145/month!!! |
|
I pride myself on providing supreme efficiency and quick turnaround times on all mortgage inquires. With access to my extensive list of real estate investors, I’m able to assist homeowners with those “hard to place mortgages” in a short period of time. My professionalism and lengthy experience in the industry will allow for stress free and painless mortgage process.
I never charge clients upfront fees. I offer free no-obligation consultations to all homeowners looking for unbiased and up-to-date information on your very best options.
From the first time I spoke to Arash Sef, I felt comfortable and at ease, and that was all due to his calm, patient, and non-judgemental personality.
Arash is very knowledgeable and confident in his profession, and in my experience, delivered what he said he could, no empty promises, even though I had what I thought was a complicated file.
If I had to go through this process again, I would definitely go to Arash because of his patience, knowledge, and the fact that he was with me every step of the way.
J.V
Toronto, ON
Arash has the best customer service ever! Always a quick response and very accommodating right away! Arash got me approved 3 different times! I hope to work with you again and again thanks!!
Arash is the man, he helped me painstakingly secured 2 mortgages which banks said no to. he’s very professional, hard working and easy to deal with. I will definitely go back to him for my future property investment.
Arash was a complete professional in handling my mortgage application, from beginning to end. Not only was he dedicated to finding me the best rate for my brand new home, he even followed up on my behalf with my lawyer and builder to finalize details and paperwork. He kept me informed every step of the way. He was trustworthy, attentive and dedicated to providing me with the best experience in buying my first home. I highly recommend his services! Thank you so much for your hard work and for the fantastic outcome!
Toronto
Aurora
North York
Ottawa
Barrie
Kingston
Pickering
Peterborough
London
Richmond Hill
Oshawa
Bradford
Kitchener
Burlington
Milton
Vaughan
Etobicoke
Mississauga
Oakville
Ajax
Stouffville
Whitby
Markham
Thornhill
Scarborough
Brampton
Woodbridge
Hamilton
St.Catherines
Guelph
Newmarket
Maple
Cambridge
Arash Sef
Mortgage Associates Ontario Inc.
Brokerage Licence #12340
Mortgage Agent #M15002076
20 Harrison Garden Blvd,
Toronto ON, M2N 7K9
P: 647-588-0488
E: info@approvedequity.ca