With our CreditMaster® mortgage, your financing opportunities are unlimited
Are you buying a home for the first time, moving into a new home, or renewing your mortgage? At Integris, we’ve got a variety of unique mortgage options to suit all your financial needs. Speak with a lender for more information about mortgages.
Retail Mortgages
Conventional Mortgage
A conventional mortgage is where the loan amount is 75% or less of the value of the home.
Term (open): 6 months and 1 year.
Term (closed): 1-5, 7 and 10 year terms available.
Interest Rate: Fixed (open and closed) or variable.
Additional Payments (Prepayment): Make additional payments, increase the payment by 20% once a year, or a lump sum annually without penalty of up to 20% of the original mortgage amount.
Payment Frequency Options: Monthly, semi-monthly, bi-weekly or weekly blended payments of principal and interest.
Insured Mortgage
An Insured Mortgage is where the loan amount exceeds 80% of the purchase price.
Term (open): 6 months and 1 year.
Term (closed): 1-5, 7 and 10 year terms available.
Interest Rate: Fixed (open and closed) or variable.
Additional Payments (Prepayment): Make additional payments, increase the payment by 20% once a year, or a lump sum annually without penalty of up to 20% of the original mortgage amount.
Payment Frequency Options: Monthly, semi-monthly, bi-weekly or weekly blended payments of principal and interest.
For mortgages exceeding 80%, the mortgage is required to be insured through CMHC1 or Sagen2.
1CMHC is a federal government supported program initiated in 1946.
2Sagen is a publicly traded company created in 1995.
Construction Mortgage
Borrowers may wish to build their own home rather than purchase an existing home. Funds are advanced in draws as the work is completed and verified by an Appraiser. The Appraiser signs off on the amount of work complete, the quality of the workmanship and the estimated cost to complete the construction.
The borrower must qualify under all the mortgage requirements as if it was a purchase.
Speak with your Lender about a Construction (Builder’s) mortgage.
Construction Mortgages can be insured through CMHC and Sagen as well.
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