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Rampone-Marsh Mortgages | Kelowna Mortgage Brokers

Get Your Dream Home with a Home Buyer Mortgage

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Are you tired of the constant mortgage shopping? Multiple lenders…rejections…the hassle?!
Let us do the work.

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Get the focused expertise you won’t find at the bank.

Most banks have such a wide variety of projects and cross-selling opportunities that their staff training is diluted and not focused. At Rampone-Marsh Mortgages, we provide excellent mortgage services for purchases, refinances, renewals and the list goes on. We know mortgages inside and out, and best of all we do all of the legwork! In most cases, our services are free and we have access to over 50 lenders.

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We don’t work for the bank or a financial lender. We work for you.

As mortgage brokers we have a portfolio of lenders we work with to meet our clients’ mortgage needs. That’s one of the chief reasons we’re able to get our clients better deals – unlike banks or other financial institutions, we are looking to help you get the best deal on your mortgage, not fill up a target mortgage product quota.

First-Time Home Buyer Lenders in Kelowna, BC

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Did you know there are fantastic first home buyer programs in Canada, and we can select the most convenient for you.

HBP

The Home Buyer’s Plan

The Home Buyers’ Plan (HBP) is a program that allows you to withdraw funds from your Registered Retirement Savings Plans (RRSPs) to buy or build a qualifying home for yourself or for a related person with a disability. The HBP allows you to pay back the withdrawn funds within a 15-year period.

FHSA

Tax-Free First Home Savings Account

Proposed for sometime in 2023, this new registered plan would give prospective first-time home buyers the ability to save $40,000 on a tax-free basis. Like an RRSP, contributions would be tax-deductible, and withdrawals to purchase a first home—including from investment income—would be non-taxable.

FTHBI

First-Time Home Buyer Incentive

The First-Time Home Buyer Incentive helps people across Canada purchase their first home. The program offers 5 or 10% of the home’s purchase price to put toward a down payment. This addition to your down payment lowers your mortgage carrying costs, making homeownership more affordable.

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Not Your First Home Buying Experience?
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There are various types of home mortgages that make it possible for you to get what you want, even if money seems to be a problem at first.

If you’re thinking about buying a house, it’s easy to get caught up in the excitement of it. You might be so excited that you think the first house you see will be the right one for you. But remember—a home is a long-term commitment, and every time you walk through your door, you’ll be reminded of your decision. That’s why we recommend dreaming big—and finding a home loan with our help. We can help find the best mortgage rates in BC so that when you buy your dream home, it won’t just be a place to live—it will enhance your lifestyle every day.

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Don’t Just Take Our
Word For It

Some of our happy home owners…
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Getting a mortgage has never been so simple!
Let's talk about putting our experience to work for you.

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Getting a mortgage doesn’t have to be complicated!

Unsure of where to look? Rampone-Marsh has access to over 50 lenders, so we’ll do the shopping to find all the best mortgage rates and options for you. We’ve facilitated funding for over 500 million dollars of mortgages in our combined 20 years in the real estate finance industry. Among the most experienced and recognized names in the country, Rampone-Marsh is the mortgage broker Kelowna trusts for its lending needs.

Getting started is easy. Contact us today and put our mortgage experience and expertise to work for you.

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Bridge Financing and Lending

Ok, you have found the house you’ve been looking for, and you are excited about starting your new life there. But there is a problem. The sale of your current property will close weeks after the purchase of your new home closes. This mean that you are going to need the money to complete the purchase before you actually receive them from the sale of your current property. This situation causes a lot of stress, frustration and the feeling that the Universe is working against you.

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Luckily for you, there is a solution to that: bridge financing. A bridge financing solution is an interim loan that will enable you to purchase the home you want and pay back the loan when you receive the money from your current property. Be aware, though that the bridge financing can offer you the money for the down payment on the new home and not the whole sum. Another solution in your case may be the home equity line of credit (or home equity mortgage), which is less expensive than bridge financing but has fewer advantages. To find out which option suits you the best and how you can benefit from these excellent financing options, contact us. Rampone-Marsh is dedicated to offering you the best financial solution for fulfilling your goals.

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In a real estate market as competitive as the one in Kelowna, finding the perfect home can be both a thrill and stress.
Bridge financing and construction mortgages help eliminate that stress and leave you only with the thrill.

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New Construction Mortgages and Loans

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But what if you can’t find the house of your dreams on the market and decide to create it? In a city with a booming economy like Kelowna, building your own house has a lot of advantages: you get to save money, ensure standard quality you feel comfortable with and, last but not least, you get to customize your home and tailor it to your needs. Construction mortgages were created for people who want to build their own houses, but don’t have the necessary funds. These types of mortgages are more complex than standard ones but offer a lot of benefits.

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The first thing to do if you want to access this financing is to find a great construction loan broker that will make you a competitive offer. You don’t have to worry about that because Rampone-Marsh is here to find the best construction mortgage offer for you. You should know that there are two types of construction mortgages: the progress draw construction loan, where you receive the money in draws and the progress is verified by an appraiser and the completion mortgage, where you are lent the money to buy a newly completed home from a builder.

Each type of construction mortgage comes with benefits and responsibilities and, depending on your needs, one type is better for you than the other. But in order to determine that, you will need our expertise and guidance. Contact Rampone-Marsh, find out about your financing options and start living the life you’ve always dreamed about.

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