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About Cinzia Dalgarno
(Top Expert on this page)

Expertise
I can provide information and assistance on all aspects of obtaining a mortgage in Canada. I can clarify the requirements for both resident and non-resident borrowers, and address virtually any question or concern regarding financing your purchase of a Canadian property. I have access to a wide variety of lenders, and will obtain the mortgage product that best suits your needs. My considerable experience, coupled with an extensive network of industry professionals will serve to make buying a home in Canada a simpler and more comfortable experience. mortgagebycinzia@gmail.com; www.wemortgagecanada.ca/mortgage_brokers/cinzia-dalgarno.php

Experience
During my 26 years in the mortgage industry I have gathered a wide range of business contacts; from A-level banks to private lenders, realtors, lawyers and notaries, and am very familiar with the numerous products offered. An extensive understanding of Canadian lending practices has shown me the importance of having an Accredited Mortgage Professional working for you.

Organizations
Member of CAAMP; Member of MBABC

Education/Credentials
A.I.C.B. (Associate Degree, Institute of Canadian Bankers); AMP (Accredited Mortgage Professional)

   

You are here:  Experts > Real Estate > Real Estate by Location > Canadian Real Estate

Questions Answered By Expert  Cinzia Dalgarno 
In Category  Canadian Real Estate

SubjectDate Asked

non resident mortgage10/25/2009
  Q: do you know if it is possible to get a mortgage on a property in Canada if you are a non resident? I ...
  A: Non resident mortgages are indeed available. You will have an easier time of getting a mortgage as a ...
foreign land8/20/2009
  Q: The question I have is a bit confusing but Hope you are able to help me understand how this works. ...
  A: A mortgage can be in a company name. The credit will be authorized, however, based on the strength ...
Mortgage after bankruptcy8/19/2009
  Q: My husband and I are discharged (March 2008) bankrupts. We have been trying to get approval from ...
  A: and I realized that with all the information I gave you, I neglected to actually answer your ...
oversea company buy condo/loft in Toronto,Ontario8/19/2009
  Q: I'm interested in buying a condo/loft in Toronto,Ontario using my oversea company. What are the ...
  A: If you register your company in Canada, then it is not really a "foreign" business. That is to say, ...
oversea company buy condo/loft in Toronto,Ontario8/18/2009
  Q: I'm interested in buying a condo/loft in Toronto,Ontario using my oversea company. What are the ...
  A: You will have a tough time finding a lender who will allow you to obtain a mortgage in the name of a ...
US Citizen buying condo in Quebec8/7/2009
  Q: My wife and I would like to buy a particular condo in Quebec -- to lease out for a few years but ...
  A: My computer is saying I didn't answer this question...but I have the copy of the answer on file, so ...
Mortgage penalties8/6/2009
  Q: I currently have a CMHC insured mortgage and am just entering the 4th year of a 5 year term. We ...
  A: Yes, you're right, CMHC did indeed have such a policy at one time; unfortunately, this policy was ...
Common-Law Purchase7/28/2009
  Q: My question is in regards to ownership entitlements and obligations when two people are ...
  A: Your situation is complicated legally. Firstly, if you were pre-approved for a mortgage, I fail to ...
Mortgage transfer7/23/2009
  Q: I currently own two investment properties with a partner. We are interested in starting an LLC to ...
  A: While not everyone on a mortgage must be on title, everyone on title must be on the mortgage (well, ...
CMHC mortgage insurace....7/17/2009
  Q: Last week friday we went into our local credit union for a mortgage on an acreage outside of town. ...
  A: The bank has given you a pre-approval, and then after the fact, has indicated to you that there ...
CMHC mortgage insurace....7/17/2009
  Q: Last week friday we went into our local credit union for a mortgage on an acreage outside of town. ...
  A: First, regarding CMHC: their policy states that one must have a minimum beacon score of 610, for 90% ...
Mortgage Rates7/13/2009
  Q: My bank offered me 4.49% on my mortgage renewal. Is this a good rate? I really want the best rate ...
  A: 4.49% is a fairly good rate at the moment. You could possibly get a rate as low as 4.09%, but that ...
acreage limit7/1/2009
  Q: i live in the us and ive been looking at an recreational site on hunting grounds.is there a limit on ...
  A: My apologies for answering you a bit late...I've been trying to get info from the U.S. Embassy here ...
Real Estate - Capital Gains6/30/2009
  Q: I apologize if this is not your area of expertise but I thought I would ask you the question anyways ...
  A: You're right, of course...my expertise lies in all things mortgages...but I've checked with a ...
transfering title deed on house6/29/2009
  Q: NB Canada for a $1.00. We are both from US. What are the Canadian laws re: transferring title ...
  A: My expertise lies in all aspects of obtaining a mortgage for a property in Canada...however, I have ...
mortgages6/25/2009
  Q: I'm going to be moving to Alberta in September on a company transfer. I'm hoping to buy something, ...
  A: You should start researching your mortgage options as soon as possible. Most lenders offer a 90 to ...
Mortgage License6/22/2009
  Q: I work for a mortgage company based out of Houston, TX. Can we do business in Canada on our broker ...
  A: Each province has different guidelines; in British Columbia, mortgage brokers are governed by the ...
Mortgage License6/19/2009
  Q: I work for a mortgage company based out of Houston, TX. Can we do business in Canada on our broker ...
  A: Unfortunately, in order to be a Mortgage Broker in Canada, you need to be licensed in Canada. If you ...
Non-resident property purchase6/18/2009
  Q: My Canadian daughter is married to an American, both are working and living in California. We would ...
  A: I've looked into this further. I have a lender who, given the client is a Canadian Citizen, and ...
pre-foreclosure6/9/2009
  Q: I was wondering about trying to buy a house that was in pre-foreclosure. I have looked at a few ...
  A: I should clarify first, that I am a Mortgage Broker. Thus, my expertise lies in helping you with all ...
Buying Property6/9/2009
  Q: I'm considering buying property in Canada. How much should I pay?
  A: I should clarify first of all that I am a mortgage broker, not a realtor. My first suggestion, if ...
Breach of Contract?6/9/2009
  Q: I am a Canadian non resident. I have recently sold a house that was my principal residence from ...
  A: First, I should clarify that I am a Mortgage Broker rather than a Realtor; my expertise lies in the ...

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