Stefan  Ryzwanowicz

Stefan Ryzwanowicz

Sales Representative

Royal LePage Signature Realty, Brokerage

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Stefan Ryzwanowicz's blog

Second Mortgages and Refinancing Loans

If you own your home and have an existing mortgage, it’s important to stay on track with payments, and communicate clearly with your lender if you anticipate a late payment.


But what happens if you suddenly need extra cash to cover an emergency expense, or need to consolidate debts so you can continue making your mortgage payments on schedule? What about if market interest rates fall well below the rate you locked into for your mortgage term?


Private Mortgage Lending and Hard Money Loans

Investing in real estate can be profitable, and house-flipping is a popular way to ensure a better return on that investment. But it costs money to renovate a house -- money that you might have already spent purchasing the property.


If you’re planning on “flipping” a house (that is, purchasing a cheap fixer-upper and renovating it in order to sell it for a higher price), or even if you just need a bit of quick cash to cover an emergency expense or repair, a hard money loan might be the answer.

How to Qualify for a Home Loan with Poor Credit

So you’re thinking of purchasing a home or taking out a home equity loan -- but when you get your credit checked, you discover that you have poor credit, and the banks won’t lend to you. What’s a hopeful homebuyer to do?


Luckily, there are still plenty of options available to you, whether you want to mortgage your first house, or simply qualify for a Home Equity Line of Credit (HELOC) to cover a temporary expense. The first step you can take is talking to a mortgage advisor or broker to discover your options.

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