I Can’t Pay My Mortgage, What Do I Do? Ask Us – We Can Help

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If you are having trouble making your mortgage payments each month, you might be exploring various options and looking for an answer to your problem – “ I can’t pay my mortgage what do I do?”. Most people do not plan on missing any of their mortgage payments, however, there are a number of unexpected situations that can happen to you such as; you cannot mange your debt load, divorce, loss of your job, illness or a short-term or permanent disability that may prevent you from working or any other unforeseen financial situations that may arise that impact your ability to make regular mortgage payments.

If you are experiencing short term financial difficulties or long term financial difficulties due to any reason and struggling with your mortgage payments and as a result, missing your mortgage payments, foreclosure will be inevitable. There are alternatives to foreclose that are available to you when you act quickly at the first sign of financial difficulty. The key is to know what your options are as well as taking immediate action when the unanticipated happens.

“I can’t pay my mortgage what do I do?” can be an overwhelming experience leaving you feeling uncomfortable and unsure of what to do. By following these three simple steps, you can make a big difference in resolving your financial difficulties:

1) Talk to your mortgage professional

  • To increase the chance of successfully managing your financial situation through early intervention, call a mortgage professional at the first sign of financial difficulty and communicate that I “can’t pay my mortgage what do I do?”  Our Company, GVCPS, has staff and business associates with extensive hands-on experience that can provide you with immediate monthly cash flow management solutions to unmanageable or unwanted mortgage payments along with protecting any equity you may have in the property and protecting your credit. Contact one of our mortgage professionals at GVCPS today for Free Consultation. Office: 604-812-3718 Email: info@gvcps.ca or for more information, visit our Website: www.gvcps.ca

 

2) Clarify your financial picture

  • In order to help your mortgage professional as well as yourself fully understand your financial situation, prepare a detailed list of your financial obligations including any credit cards, loans, household bills with the amounts owing and their due dates. Be sure to include information about your current income, savings accounts, investments, and any other assets.

 

3) Stay informed

  • The more information you have at your disposal on managing your finances, the easier it will be to make the right decisions. Take Charge of Your Debts is an online tool from the Government of Canada that is designed to help borrowers lunderstand debt problems and includes information on making a budget, budget counselling, collection agencies, credit, and credit repair. To view this tool, log on to www.ic.gc.ca (Industry Canada) and search for “Take Charge of Your Debts”.

With early intervention, cooperation and a well executed plan, this can help you prevent foreclosure, will help you get your mortgage payments back on track and will help protect your credit from being damaged any further from previous mortgage payments that you have missed.

When you are in the situation I “can’t pay my mortgage what do I do?”, you may need answers to the following questions:

1) I “can’t pay my mortgage, what do I do?” Will my lender help me resolve my financial difficulties to get my payments back on track or will my lender just foreclose?

In most situations, your lender doesn’t want to repossess (take back) your property. (A lender can be a bank, credit union, insurance company, private individual, or loan company.) Foreclosure can be a long and expensive process for your lender. They would rather have you get your payments back on track and keep paying them.

But if you default and do not get your payments back on track after your lender has given you a second chance, your lender will take legal action to repossess or sell your property through foreclosure.

2) I “can’t pay my mortgage” How many mortgage payments can I miss before my lender starts the foreclosure process?

When you default (don’t make a payment) on your mortgage, you don’t automatically lose your property. On default, your lender has the right to accelerate (speed up) your mortgage contract. This allows your lender to claim the full balance owed on your mortgage debt plus interest and other costs, even though the mortgage term hasn’t yet expired. Your lender can use the legal process of foreclosure to repossess (take back) your property or sell it to pay the mortgage debt.

As soon as you miss a mortgage payment, most lenders act quickly. They often will either call you and/or send a reminder letter to you first in regards to your missed payment. If your lender doesn’t hear from you or if your lender does not receive your missed payment after that, the lender’s next step is to send you a demand letter. In BC, your lender or their lawyer must send you a demand letter before starting foreclosure proceedings.

The demand letter must state exactly what you owe, and that:

  •  you have to pay a certain amount by a certain date to catch up on arrears (what you owe) to reinstate (restore to good standing) your mortgage, or
  • you have to pay the whole amount you borrowed (not just the arrears) plus daily interest and other expenses to redeem (pay off) your mortgage

The exact requests in the demand letter depend on the wording in your mortgage and what your lender wants to do. If you don’t do what the demand letter asks, your lender can start foreclosure proceedings in court by filing a BC Supreme Court form called a petition. Your lender will serve you with (give you) a copy.

You (the respondent) can respond to a reminder or demand letter by doing one of the following:

  • Solve the problem (by reinstating or redeeming the mortgage)
  • Go to court (after you receive the petition — to fight the foreclosure, to get more time, or to cooperate)

Our Real Estate Investment Compnay, GVCPS specializes in helping clients reinstate their mortgage to bring your mortgage back into good standing. Our Company also buys houses on Terms through our Mortgage Take Over Program where you are provided with immediate monthly cash flow management solutions to unmanageable or unwanted mortgage payments along with protecting any equity you may have in the property and protecting your credit. If you are looking for an solution to your problem – I “ can’t pay my mortgage what do I do?”, contact one of our mortgage professionals for Free Consultation. Office: 604-812-3718 Email: info@gvcps.ca or for more information, visit our Website: www.gvcps.ca

 

3) I “can’t pay my mortgage, what do I do?” What will happen if I do nothing?

You may want to just ignore the demand letter from your lender, but be sure you know what the consequences are first. Doing nothing not only has serious consequences, this will also ruin your credit.

You can live in your property without making mortgage payments while the foreclosure proceedings are going on. This could take several months or longer. But it also means that; you don’t get any say in the court proceedings, which will go ahead without you, you may get little or no notice if the property is sold, or if you have to move and you may have to leave your property much earlier than if you had appeared in court

The court may order your property to be sold. If the money from the sale doesn’t pay all of your  mortgage debt, your lender will have an enforceable judgment (court order) made against you for the shortfall (remaining amount). Your lender can try to collect this from you for up to 10 years.

It’s very important that you talk to your mortgage professional about your options as foreclosure can be prevented if you take immediate action at the first sign of financial difficulty that impacts your ability to make regular mortgage payments. Speak to one of our mortgage professionals at GVCPS to find a solution to your financial difficulties. Our Mortgage Problem and Solution Professionals at GVCPS offer free consultation to help you keep your mortgage in good standing with your lender and/or help reinstate your mortgage to avoid foreclosure. Various options will be provided to you depending on your individual financial circumstances. Contact one of our mortgage professionals for Free Consultation. Office: 604-812-3718 Email: info@gvcps.ca or for more information, visit our Website: www.gvcps.ca

The following options may also help you if you are in the situation – I “can’t pay my mortgage what do I do?”:

 

Refinance

You can pay off your whole mortgage with one lender by getting another mortgage from another lender (refinance). The new mortgage has to be big enough to pay the other mortgage plus any costs that you owe.

Redeem the mortgage

If your mortgage term has ended, you can do one of the following to pay your lender:

  • get a new mortgage from another lender (refinance), or
  • sell your property yourself

You have to pay off the whole amount you borrowed plus daily interest and other costs. But first you should know what those costs might include.

Reinstate the mortgage

If you missed making some payments but think you can manage paying regular mortgage payments in the future, call your lender right away. Try to work out a way to reinstate your mortgage. This means you pay all of the outstanding mortgage amounts to bring the mortgage back into good standing. You also have to pay anything it costs your lender to collect from you, and may include legal fees. You can reinstate a mortgage if the mortgage term hasn’t expired and your lender agrees to reinstatement. Most lenders don’t want to own buildings. Lenders would rather have you keep the property and keep paying them. Contact one of our Mortgage Problem and Solution Professionals at GVCPS today to help you reinstate your mortgage and get your payments back on track to avoid foreclosure 604-812-3718 or info@gvcps.ca.

Consolidate your debt into one easy payment

, home equity loan or line of credit.

Sell your property

You may want to sell your property right away and pay your lender if:

  •  you can’t reinstate your mortgage
  •  your property is in good condition and can be sold
  •  your property is worth at least as much as the amount you owe your lender (plus any other mortgage or judgment registered against your title), and
  • you don’t want to or can’t get a new mortgage

You reduce the legal costs and interest you have to pay if you sell your property as soon as possible. This option may be more attractive if you have equity in the property.

If you are in the situation, I “can’t pay my mortgage what do I do?” contact our Company, GVCPS. We are a well established real investment Company that buys houses, townhomes and condos quickly. We also take over mortgage payments and the property associated with it. We understand the stress and hassles that you face when you are experiencing unmanageable or unwanted mortgage payments, experiencing difficulty selling your property through traditional methods or when you just need relief from your property situation for any reason. We can help, contact one of our mortgage professionals today for Free Consultation. Office: 604-812-3718 Email: info@gvcps.ca or for more information, visit our Website: www.gvcps.ca

References:
Canada Mortgage and Housing Corporation
Law Foundation and Legal Services Society of BC
Image Credit:
https://precondo.ca/
 

 

 

Best Mortgage Brokers Near Me – GVCPS

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If you are buying a personal property, an investment property, refinancing or if you are facing unmanageable or unwanted mortgage payments, it is in your best interest to have access to knowledgeable mortgage advice from the the best mortgage brokers and real estate consultants in regards to your situation. Our Company, GVCPS, is a well established Real Estate Investment Company that utilizes the services of the best mortgage brokers and real estate consultants in the real estate industry in Vancouver, BC, the Lower Mainland and Fraser Valley, BC,

We understand that it’s not easy to qualify for your own mortgage or even to be approved to be refinanced in today’s challenging real estate market with the new lending rules that have been recently applied. We also understand the stress and hassles that you face when you are experiencing difficulty paying your mortgage payments each month or when you just want out of your real estate situation for any reason. Discussing your mortgage situation and options with a good mortgage broker and real estate consultant is the key to finding the best solution to your situation and/or the best mortgage product that will suit your investment needs.

How Can Mortgage Advice Help You?

If you are experiencing difficulty making your mortgage payments each month, experiencing difficulty selling your property or if you just need relief from your mortgage and real estate situation for any reason, your mortgage broker or real estate consultant can help you find an immediate solution to your individual situation.

Through our Company’s Mortgage Take Over Program, we take over house payments and the property associated with it. We provide flexible, pre-negotiated Terms that can give you the best value for your property and can provide you with more money with none of the hassles normally involved in selling.

In most cases, we take over the entire mortgage payment as well as all of your other monthly financial obligations regarding the property on your behalf that may include; property taxes, property insurance, monthly strata fees as well as any repair or maintenance costs.

Through our Mortgage Take Over Program, you are provided with immediate monthly cash flow management solutions to unmanageable or unwanted mortgage payments along with protecting any equity you may have in the property and protecting your credit. Contact us today to discuss the solutions that we can provide to your situation 604-812-3718 or info@gvcps.ca. 

Are You Looking to Refinance or Purchase a Property?

If you receive independent advice regarding your mortgage from a mortgage broker rather than just your individual bank, a mortgage broker will have access to multiple lenders with a wide variety of mortgage products rather than just one bank that will only be able to offer you a limited amount of mortgage products. The best mortgage brokers and real estate consultants can make a difference in finding an immediate solution to your individual mortgage situation and/or getting your mortgage application approved. Knowledgeable mortgage advisors and consultants will also get you a significantly better valued deal, potentially saving you thousands of dollars over your mortgage term. They will also help you choose the right mortgage solution and product to meet the needs of your individual situation.

One of the largest loans you will ever take on in your life is your mortgage. The loan is so big and getting approved with the lowest possible interest rate is not always simple. Previously, mortgage loans used to be limited only to banks and other lenders in your local area, but now, with the internet and modern banking regulations, you can expand your search online to find the best mortgage brokers and real estate consultants.

The best mortgage brokers are not restricted to any particular bank or lender and they will act solely in your best interests, providing you with peace of mind that the mortgage product they recommend will be the best available mortgage for your circumstances. When you are purchasing a property, the mortgage broker specializes in getting the best mortgage available for your needs. The mortgage broker will explain the various mortgage products and advise you on how much you can qualify for and help you prepare your application to increase your chances of being approved for a mortgage or a refinance.

We are pioneers in the mortgage and real estate industry and our specialized team of mortgage brokers and real estate consultants can offer you financial tools and expert advice to help you understand your options to your individual mortgage needs so you can make the best possible decisions.

Our Company’s Best Mortgage Brokers and Real Estate Consultants Specialize in the Following:

  • lowering your monthly payments
  • consolidating your debt
  • refinancing your property
  • providing second mortgages
  • bad credit refinance
  • reinstating your mortgage
  • helping you stop foreclosure
  • providing home equity loans, and
  • home equity lines of credit
  • new mortgages for a personal or investment property

Contact us today to discuss the solutions that we can provide to your individual mortgage and real estate situation 604-812-3718 or info@gvcps.ca. 

Mortgage Payment Problems? We Assume Mortgage Payments

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An assumable mortgage is a type of financing arrangement where an outstanding mortgage debt and it’s terms are transferred from the current mortgage holder to a buyer. Our Company, GVCPS, is a Real Estate Investment Company that specializes in assuming mortgage debt and mortgage payments from mortgage holders. We are Assuming Mortgage Payment Experts that can help you if you are experiencing difficulty with your mortgage payments in Vancouver, BC, the Lower Mainland, Fraser Valley, BC.

WE ASSUME MORTGAGE PAYMENTS AND THE PROPERTY

If you need relief from unmanageable or unwanted mortgage payments, we can assume your mortgage payments and take over the property associated with it. In most cases, we take over the entire mortgage payment as well as all of your other monthly financial obligations regarding the property on your behalf that may include; property taxes, property insurance, monthly strata fees as well as any repair or maintenance costs. Through our Mortgage Take Over Program, you are provided with immediate monthly cash flow management solutions to your mortgage payments and mortgage debt.

Talk to our mortgage experts, it is important to understand that a mortgage that has been assumed by a third party does not mean that you, the original mortgage holder, are not still responsible for the mortgage debt and the mortgage payments. You may still may be held liable for the mortgage debt and payments, which, in turn, could affect your credit rating. To avoid this, you must release your liability in writing at the time of the mortgage assumption and the lender must approve the release request by releasing you from all liabilities in regards to the mortgage loan.  Our well established mortgage experts can help you to ensure that the process is performed correctly with your mortgage lender.

An assumable mortgage transaction is where the lender will allow our Company to take over or “assume” your mortgage without changing any of the terms of the mortgage. An assumable mortgage allows us to assume your current principal balance, interest rate, repayment period and any other contractual terms of the mortgage.

When we assume mortgage payments, you are provided with immediate monthly cash flow management solutions to unmanageable or unwanted mortgage payments along with protecting any equity you may have in the property and protecting your credit. If you are in a situation where our Company assuming mortgage payments will provide you with solutions, our mortgage experts will review your original mortgage documents to ensure that your mortgage debt is assumable. We will discuss assuming your mortgage debt with your mortgage lender in detail and also provide you with further support throughout the remaining assuming mortgage payment process.

Some mortgage lenders have option clauses in their mortgage contracts that expressly forbid assumptions of the mortgage, or, the mortgage contract specifies that the mortgage must be paid out on the sale of the property. If this is the case with your mortgage loan, we can still provide you with solutions to your mortgage debt and your mortgage payments even if your mortgage is not assumable.

When we assume mortgage payments, our mortgage experts will consider the following:

  • Compare interest rates: It may make financial sense to assume the existing loan at a lower interest rate than the current rate.
  • Compare loan fees: Lenders are required to give borrowers a loan estimate, which is an estimate of closing costs which consists of all the costs associated with obtaining a mortgage. We will help you with the loan assumption fees.
  • Obtain a copy of the property title and copy of the mortgage agreement: We will verify if there are any other charges registered against the property and verify if the mortgage debt is truly assumable, if the mortgage debt is not assumable, we can still provide you with alternative solutions to your mortgage debt and mortgage payments.

We know the real estate and mortgage industry. If you are facing  difficulties paying your mortgage payments each month, we can offer immediate and professional solutions to your situation. Contact us today 604-812-3718 or info@gvcps.ca.

If you need relief from unmanageable or unwanted mortgage payments, we can assume your mortgage payments and take over the property associated with it. Our Company, GVCPS, is a Real Estate Investment Company that specializes in assuming mortgage debt and mortgage payments from mortgage holders.

When we assume mortgage payments, you are provided with immediate monthly cash flow management solutions to unmanageable or unwanted mortgage payments along with protecting any equity you may have in the property and protecting your credit.

If you are in a situation where our Company assuming mortgage payments will provide you with solutions, our mortgage experts will discuss assuming your mortgage debt with your mortgage lender in detail and also provide you with further support throughout the remaining assuming mortgage payment process.

ARE YOU FACING MORTGAGE PAYMENT PROBLEMS?

If you are facing mortgage payment problems, ensure that your mortgage lender is abiding by your mortgage contract in regards to charging you late fees, penalty fees and higher interest rates on your mortgage payment arrears.

If you are experiencing mortgage payment problems, it can be an overwhelming experience, leaving you feeling uncomfortable and unsure of what to do. When unforeseen financial circumstances impact your ability to make regular mortgage payments, it’s important for you to take quick action. A wider variety of solutions will be available to you the sooner you act.

To increase the chance of successfully managing your financial situation through early intervention, call your mortgage lender at the first sign of financial difficulty. Ask your mortgage lender about information on the options available for managing your financial situation.

If you are having trouble making your mortgage payments each month, defaulting on your mortgage may add to the cost of various fees imposed by your mortgage lender on the amount that you already owe, depending on your mortgage contract.

Section 8 of the Federal Interest Act is intended to protect property owners against abusive lending practices, while recognizing that generally speaking, parties are entitled to freedom of contract. The prohibition against extra charges on arrears remains in place for loans secured by a mortgage.

While the Interest Act provides some protection for consumers with regard to interest and prepayment charges, banks have taken advantage of loopholes and gaps in the law to the detriment of consumers, which has resulted in an unregulated system. In 2010, the federal government’s budget included a promise to bring clarity to the subject of mortgage penalties. Despite the promises made by the federal government in the 2010 budget, still no progress has been made.

The federal Interest Act which prohibits any fine, penalty or an interest rate in a mortgage that has the effect of increasing the charge on arrears higher than the mortgage rate which would apply if the borrower was in good standing.

If you are experiencing mortgage payment problems and are facing foreclosure, be sure to review the fees and charges that are being charged to your account by your mortgage lender as they may not be enforceable.

Our Company buys houses, townhomes and condos. We understand the stress and hassles that you face when you are experiencing unmanageable or unwanted mortgage payments, experiencing difficulty selling your property through traditional methods or when you just need relief from your property situation for any reason. We specialize in providing you with immediate monthly cash flow management solutions if you are experiencing difficulty making your mortgage payments each month to ensure that any equity you may have in the property is protected along with your credit. Contact us today 604-812-3718 or www.gvcps.ca.

Facing Mortgage Problems in Delta, BC? Contact Us

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Facing Mortgage Problems in Delta, BC? Ask Mortgage Problem Solution Providers: If you are having Mortgage Problems in Delta, BC, do not ignore your situation. The longer you wait to start working towards a solution, the fewer options you will have available to you. 

If you find yourself facing financial difficulties as a result of job loss, family income reduction, divorce or other reasons and your situation is impacting your ability to make regular mortgage payments, confront your mortgage payment problem immediately.  

For all your Mortgage Problems in Delta, BC, contact your Mortgage Problem Solution Provider at the first sign of financial difficulty. They can help you increase your chance of successfully managing your financial situation through early intervention.

Mortgage Problem Solution Providers in Delta, BC will help you with the following options for getting your mortgage problems back on track and how to work with your lender:

  • Cutting down your mortgage costs.
  • How to manage your mortgage debt.
  • Renegotiate your mortgage.
  • How to work with your mortgage lender to find a solution to your financial difficulties.
  • If you are out or work, they can offer suggestions and help with mortgage costs.

If you are in a situation where making monthly Mortgage payments is difficult and you are facing Mortgage Problems in Delta, BC, a debt consolidation mortgage, a home equity loan or a line of credit may also be an option.

  • Refinance with a debt consolidation mortgage

As a homeowner, one way to start managing some of your higher-interest debt is to refinance your existing mortgage with a debt consolidation mortgage. Some mortgage types allow you to borrow additional money on your mortgage so you can consolidate your debts into one simple payment. This way, you can easily budget with a structured payment plan and an assured pay-off date.

  • Debt consolidation home equity loan or line of credit

Homeowners who are looking to consolidate their debts may have the option of using their home equity to secure a loan or line of credit. A home equity loan or line of credit allows you to obtain a lower interest rate and a higher credit limit by using the equity you’ve built in the property as security. By consolidating your debts into a home equity loan or line of credit, you will have the convenience of one consolidated payment rather than having several bills from different creditors.

This makes bill payments more manageable and the rate is usually lower, helping you pay off your debts sooner. With a home equity line of credit additional benefits include making interest payments only on the funds you use, not your total credit limit, and having ongoing access to funds up to your authorized credit limit.

You can also obtain information on the sale and rent back programs run by Mortgage Problem Solution Providers who help property owners who are struggling to pay their mortgage.

Facing Mortgage Problems in Chilliwack, BC?

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Facing Mortgage Problems in Chilliwack, BC? Purchasing a property can be an expensive process and obtaining a mortgage is one of the most important decisions you will ever make. Most people do not have a 20% down payment to put towards the purchase of a property and a high-ratio mortgage is their only other option.

If you have purchased a property and are unable to pay your mortgage on a regular basis due to any reason, it is important that you take quick action. If you are struggling to keep up with all of your mortgage payments, it can be a very stressful and overwhelming experience, leaving you feeling uncomfortable and unsure of what to do. There are many different types of Mortgage Problems in Chilliwack, BC, but you do have options.

If you are experiencing difficulty making your mortgage payments each month in Chilliwack, BC contact a Mortgage Problem Solution Provider to discuss what solutions they can provide to your real estate situation.  Mortgage Problem Solution Providers in Chilliwack, BC provide free consultation and expert advice to help you with your situation.

When unforeseen financial circumstances or life events impact your ability to make regular mortgage payments, Mortgage Problem Solution Providers in Chilliwack, BC can help you get your mortgage payments back on track through a modification of mortgage, a forbearance agreement, a refinance or through a second mortgage.

To Overcome Your Mortgage Problems in Chilliwack, BC, Other Options Are Also Available to You:

If your mortgage is insured by Canada Mortgage and Housing Corporation, (CMHC), in the City of Chilliwack, BC, CMHC is also willing to consider other alternatives proposed by your Mortgage Problem Solution Provider to resolve or avoid mortgage payment default. In every case, your options will depend upon your individual financial circumstances.

Based on your individual financial circumstances, your Mortgage Problem Solution Provider may be able to propose one or more of the following alternatives to CMHC:

  • Converting your variable interest rate mortgage to a fixed interest rate in order to protect you from a sudden interest rate increase, should one occur.
  • Offering you a temporary short-term payment deferral. Your mortgage professional may be prepared to offer greater payment flexibilities, particularly if previous lump sum prepayments have been made, or if you have previously chosen an accelerated payment schedule.
  • Extending your original repayment period (amortization) in order to lower your monthly mortgage payments.
  • Adding any missed payments (arrears) to your mortgage balance and spreading them over the remaining mortgage repayment period.
  • Offering you a special payment arrangement unique to your particular financial situation.

To increase the chance of successfully managing your financial situation through early intervention, call your Mortgage Problem Solution Provider at the first sign of financial difficulty. With early intervention, cooperation, and a well executed plan, you can work together with your mortgage professional to find a solution to your financial difficulties and avoid mortgage payment default.

Facing Mortgage Problems in Abbotsford, BC?

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Facing Mortgage Problems in Abbotsford, BC? Contact Us – We Are Mortgage Problem Solution Providers 

For thousands of Abbotsford, BC home owners, their monthly mortgage payments are among their top financial concerns. Many people realize that the mortgage on their house is the biggest financial commitment that they will likely ever make. As a result, a mortgage needs to be treated as the one debt obligation that you will need to ensure that you are paying for on time each month, if you want to keep your mortgage in good standing with your mortgage lender.

Unfortunately, it is common for home owners in Abbotsford, BC as well as home owners in the Fraser Valley, BC, to face unforeseen financial circumstances or unexpected life events that impact their ability to make their regular monthly mortgage payments.

If you are a homeowner and have fallen behind on your mortgage payments, you are not alone. When you are facing financial difficulties that impact your ability to make your regular mortgage payments, it is important for home owners in Abbotsford and the Fraser Valley, BC, to take quick action. At first, your mortgage lender may tolerate a few late payments, however, when your delinquent mortgage payments turn into missed mortgage payments altogether, a foreclosure action against you will be inevitable.

If you are having Mortgage Problems in Abbotsford, BC – What can you do?

The most important thing is not to ignore your mortgage payment problems or any telephone calls from your mortgage lender. To increase the chance of successfully managing your financial situation through early intervention, contact a Mortgage Problem Solution Provider at the first sign of financial difficulty. Ask the mortgage professional about information on the options available for managing your financial situation and they will help you find solutions with the following tips:

You may request a Loan Modification: 

A loan modification is a permanent restructuring of the mortgage where one or more of the terms of a borrower’s loan are changed to provide a more affordable payment. With a loan modification, your lender may agree to do one of more of the following to reduce your monthly payment:

  • reduce the interest rate
  • convert from a variable interest rate to a fixed interest rate, or
  • extend the length of the term of the loan.

Generally, to be eligible for a Loan Modification, you must:

  • show that you cannot make your current mortgage payment due to a financial hardship
  • complete a trial period to demonstrate you can afford the new monthly amount, and
  • provide all required documentation to your lender for evaluation.

Required documentation will likely include:

  • a financial statement
  • proof of income
  • most recent tax returns
  • bank statements, and
  • a hardship statement.

There are many different loan modification programs available, including proprietary (in-house) loan modifications and for mortgages insured by Canada Mortgage and Housing Corporation (CMHC), CMHC provides mortgage professionals with tools and the flexibility to make timely decisions when working with you to find a solution to your unique financial situation.

If you are currently unable to afford your mortgage payment, and won’t be able to in the near future, a loan modification may be the ideal option to help you avoid foreclosure.

Refinance with a New Loan: 

Depending on your financial situation, the best course of action may include obtaining a 2nd mortgage or refinancing your current mortgage with a B-Lender or a new 1st private mortgage lender.

You may be able to find another mortgage lender that will offer you a loan with better terms (such as a fixed rate) that may be more manageable. Review your current loan to determine whether it contains a prepayment penalty and check if refinancing is possible.

Ask for a Forbearance Agreement:

While a loan modification agreement is a permanent solution to unaffordable monthly payments, a forbearance agreement provides short-term relief for borrowers.

With a forbearance agreement, the lender agrees to reduce or suspend mortgage payments for a certain period of time and not to initiate a foreclosure during the forbearance period. In exchange, the borrower must resume the full payment at the end of the forbearance period, plus pay an additional amount to get current on the missed payments, including principal, interest, taxes, and insurance. (The specific terms of a forbearance agreement will vary from lender to lender.)

If a temporary hardship causes you to fall behind in your mortgage payments, a forbearance agreement may allow you to avoid foreclosure until your situation gets better. In some cases, the lender may be able to extend the forbearance period if your hardship is not resolved by the end of the forbearance period to accommodate your situation.

In forbearance agreement, unlike a repayment plan, the lender agrees in advance for you to miss or reduce your payments for a set period of time.

Plan a Repayment Plan with your lender:

If you have missed some of your mortgage payments due to a temporary hardship, a repayment plan may provide a way to catch up once your finances are back in order. A repayment plan is an agreement to spread the past due amount over a specific period of time.

Here is how a repayment plan works:

  • The lender spreads your overdue amount over a certain number of months.
  • During the repayment period, a portion of the overdue amount is added to each of your regular mortgage payments.
  • At the end of the repayment period, you will be current on your mortgage payments and resume paying your normal monthly payment amount.

To get information about these and other options to avoid foreclosure, contact us, we are Mortgage Problem Solution Providers in the Lower Mainland and Fraser Valley, BC.

We can help provide options that lets you pay off the delinquency over a period of time. The length of a repayment plan will vary depending on the amount past due and on how much you can afford to pay each month, among other things. A three- to six-month repayment period is typical.

Do You Require Help With a Modification of Mortgage?

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Are you struggling with your mortgage payments? Have you suffered an unexpected life event such as divorce, loss of your job, illness or a short-term or permanent disability that prevents you from working? Are you experiencing difficulty managing your household debt and struggling with your mortgage payments?

Our Company, GVC Property Solutions Inc. (GVCPS), is a real estate investment Company. We understand the stress and hassles that you face when you are experiencing unmanageable or unwanted mortgage payments, experiencing difficulty selling your property through traditional methods or when you just need relief from your property situation for any reason.

Our Company provides Free consultation services to people who are experiencing difficulty making their mortgage payments along with any other mortgage problems that you may be facing. With 25 years of experience, we have earned a reputation for helping people. Our job is to provide you with peace of mind and immediate financial relief regarding your mortgage and property situation.

If you are experiencing long-term financial difficulties and struggling with your mortgage payments and as a result, missing your mortgage payments, foreclosure will be inevitable. The stress of your financial situation may cause you to ignore your financial problem. Don’t. If you would like to get your mortgage payments back on track, protect any equity you have in the property along with protecting your credit, you may still have options with your mortgage lender with a modification of mortgage:

Modification of Mortgage

If you can’t pay your full mortgage payment indefinitely, your lender may agree to offer a modification of mortgage. Your lender may agree to adjust your monthly payments and the loan period to reflect changes in your financial situation. The interest rate may be modified from an adjustable rate to a fixed rate and penalties may be waived.

A modification of mortgage is a process where the terms of your mortgage are modified, or changed, to make the loan more affordable. The term of your loan may be extended, reducing the amount of principle that must be paid every month.

If your lender agrees to a modification of mortgage, your lender may write off some of the loan principle, reducing the total amount owed on the loan or your lender may allow you to pay outstanding mortgage payments in installments or your lender may defer some of your mortgage payments to a later date.

A modification of mortgage can be in your lender’s best interest, however, approval of a modification of mortgage can be difficult to obtain and it’s at your lender’s discretion to decide if they will allow a modification of mortgage or not.

A modification of mortgage can be temporary.  The result is that you, the borrower, are capable to keep up with your mortgage payments and your lender is able to avoid the expense of the foreclosure process and keep a performing asset on it’s books rather than a potential liability.

When financial circumstances impact your ability to make regular mortgage payments, it’s important that you address the issue immediately. With early intervention, cooperation and a well-executed plan, you can work together with one of our mortgage professionals at GVCPS to find a solution to your mortgage problems.

Our Company will help you regarding a modification of mortgage by providing you with proper advice and help you apply for a modification of mortgage according to your lender’s consideration.

It’s important that you contact your lender directly or our Company regarding looking into a modification of mortgage as soon as you are experiencing financial difficulty and begin missing your mortgage payments. Address any difficulties you are having with your mortgage payments immediately. Acting fast will help to keep your best options open to resolve your situation so you can keep your house, protect your equity, protect your credit and avoid foreclosure.

The principal purpose of a modification of mortgage is to provide your mortgage lender with sufficient documentation to evaluate the risk of modifying your mortgage. The main question your lender is trying to answer is:  can you afford to pay the new modified mortgage payment.

A modification of mortgage is granted by your mortgage lender. A modification of mortgage is an arrangement that reduces a mortgage borrower’s mortgage obligations during a time of financial difficulty. A modification of mortgage is intended to make it easier for the mortgage borrower to keep up with their mortgage payments and avoid losing their home, their equity and their credit rating to foreclosure.

We Can Help You With The Following Regarding a Modification of Mortgage:

  • Discuss a modification of mortgage with your lender by reducing your current mortgage rate.
  • Discuss a modification of mortgage with your lender to allow you to make up any outstanding mortgage payments over a period of time without incurring further penalties.
  • It’s easier to obtain a temporary modification of mortgage. Long-term modification of mortgage changes such as extending your mortgage loan term or writing off your mortgage principle are usually more difficult to be approved by your lender. We will discuss all of the short-term and long term modification of mortgage possibilities with your lender on your behalf.
  • Most mortgage lenders are more willing to grant a modification of mortgage if there is a reasonable expectation that you will be able to return to a normal mortgage payment schedule down the road. It’s more difficult to obtain long-term relief for a permanent change in your financial situation, however we can discuss all of the modification of mortgage possibilities with your lender on your behalf.

We provide Free consultation to discuss the different options that are available to your situation. We are available 7 days per week including evenings until 9:00 pm. Call 604-812-3718 or email: info@gvcps.ca.

We Are a Real Estate Investment Company

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Take Over Mortgage Payments Contract – We Take Over Mortgage Payments and the Property Associated With It.
Utilizing a Take over mortgage payments contract is one of the original and most secure methods that is applied by professional real estate companies that will buy your house. How does it work?

A take over mortgage payments contract enables a professional real estate investor to take over the seller’s mortgage payments until the real estate investor pays off the mortgage loan – usually by either assuming the mortgage, assuming mortgage payments, a refinance or re-selling the property at a later date.

Our Company, GVC Property Solutions Inc. (GVCPS) is a well-established real estate investment Company. We are pioneers in the mortgage and real estate industry and we specialize in assuming mortgage payments through our Mortgage Takeover Program. Through our Mortgage Take Over Program, we take over house payments and the house associated with it.

A seller who utilizes a take over mortgage payments contract benefits in many ways. You, the seller are provided with immediate monthly cash flow management solutions to unmanageable or unwanted mortgage payments along with protecting any equity you may have in the property and protecting your credit until our Company pays off the mortgage. We can also take over payments if your house is for sale and currently listed with a realtor.

Our job is to provide you with peace of mind and immediate financial relief from your mortgage payments and property situation so you can focus on your life. We provide flexible, pre-negotiated terms that can give you the best value for your property and can provide you with more money with none of the hassles normally involved in selling that benefits all parties involved.

In a takeover mortgage payments contract, the two parties (the Seller and our Company), agree to the length of the term during which the mortgage payments are paid by our Company as well as the terms of the sale including the purchase price.

Utilizing a take over mortgage payments contract is is a time-tested method of purchasing property and a viable alternative for seller’s who need relief from their mortgage payments and property situation.

We Utilize Take Over Mortgage Payments Contracts For Any Property Type and Any Situation

We take over mortgage payments for any property type and any situation: houses, duplexes, town homes, condos and multi-family residential development projects that are any price and in any location in Vancouver, BC, the Lower Mainland, Fraser Valley, North Vancouver, West Vancouver and Squamish, BC. Contact us today to discuss the different options that are available to your situation 604-812-3718 or info@gvcps.ca.

In most cases, we take over the entire mortgage payment through our Mortgage Take Over Program as well as all of your other monthly financial obligations regarding the property on your behalf that may include; property taxes, property insurance, monthly strata fees as well as any repair and maintenance costs.

Our Company does not charge any fees or real estate commissions and in most cases, we take over mortgage payments even if the property requires extensive repair or renovations – we take over mortgage payments contract and the property in as-is condition.

We provide Free consultation to discuss the different options that are available to your situation. We are available 7 days per week including evenings until 9:00 pm. Call 604-812-3718 or email: info@gvcps.ca. You can also contact us 24 hours a day through our Confidential Sell to Us Form (click here).

If you are experiencing unmanageable or unwanted mortgage payments, contact us. Our Real Estate Investment Company, GVCPS, specializes in taking over mortgage payments and the property associated with it.

When we take over mortgage payments, you are provided with immediate monthly cash flow management solutions to your mortgage payments along with protecting any equity you may have in the property and protecting your credit.

We can help you avoid foreclosure and reinstate your mortgage with your lender. To prevent  foreclosure, we take over mortgage payments for any property type in any situation of Vancouver, BC, the Lower Mainland and Fraser Valley, BC. When we take over mortgage payments, we provide you with flexible, pre-negotiated terms that can give you the best value for your property and can provide you with more money with none of the hassles normally involved in selling.

In most cases, we take over the entire mortgage payment as well as all of your other monthly financial obligations regarding the property on your behalf that may include; property taxes, property insurance, monthly strata fees as well as any repair or maintenance costs.

Taking Over Payments on A House

Our Take Over House Payment Program is designed for people that require relief from their mortgage payments for any reason. We take over the current payments on the house and our Program works with both assumable and non-assumable mortgages.

We also take over payments on a house when you are in pre-foreclosure. We take over payments on house foreclosures by reinstating the mortgage with the mortgage lender.

We take over the property and you are no longer responsible for mortgage payments. We offer this relief Program to people who just want out of their mortgage and property situation, even if you owe more than the property is worth. We then take care of the property and bear all the maintenance costs.

When we take over payments on a house, we verify and follow the procedures below:

Once you have contacted us about the property, we ask that you provide your current mortgage statement that shows your mortgage details to verify the monthly mortgage payment we are taking over. If you are already in default and facing pre-foreclosure, we speak to your mortgage lender or their lawyer to determine the amounts that are required to reinstate the mortgage and bring the mortgage back into good standing with the mortgage lender.

Once we have all of the necessary information, we sign an agreement through a lawyer r notary that verifies that we are taking over the mortgage payments and the property as well as all of the other terms and conditions that we have agreed upon. In regards to pre-foreclosure, once we reinstate the mortgage with your mortgage lender and take over the mortgage payments, this will help avoid foreclosure, protect any equity you have in the property as well as protect your credit.

Best Mortgage Companies, Mortgage Brokers Near Me

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Best Mortgage Companies, Mortgage Brokers Near Me – GVCPS:

Buying a property and being personally responsible for a mortgage is one of the biggest investments you’ll ever make and it can also be one of the most complicated. This is why it is important that you work with the best mortgage companies that will give you professional, unbiased advice that you know you can trust.

The Best Mortgage Companies operating today serve a valuable role in the real estate industry, originating and serving mortgages by providing beneficial options for prospective homeowners, those looking to refinance their mortgage and for those who are experiencing mortgage payment problems and need immediate solutions.

Our Company, GVC Property Solutions Inc., (GVCPS) is a well-established real estate investment Company. We are pioneers in the mortgage industry and our team of specialized mortgage brokers offer you financial tools and expertise advice to help you understand your options to your individual mortgage needs so you can make the best possible decisions. We specialize in getting the best mortgage available for your needs when you are purchasing a property and we are here to work for you, not the banks.

We also specialize in;

  • lowering your monthly payments
  • consolidating your debt
  • refinancing your property
  • providing second mortgages
  • bad credit refinance
  • reinstating your mortgage
  • helping you stop foreclosure
  • providing home equity loans, and
  • home equity lines of credit

Our Mortgage Brokers near you have access to more than 40 lenders including Canada’s largest Banks, Credit Unions, Trust Companies and private lenders.

Are you experiencing mortgage payment problems and need an immediate solution? Is your mortgage behind on payments? Have you been issued a demand letter from your mortgage lender? We can help. We will explain your situation to you in plain english and provide mortgage refinancing options that might be right for you.

We can help you Stop Foreclosure, reinstate your mortgage and consolidate your debts. Using your home equity, we can find manageable solutions to your mortgage financing needs. If you have minimal or no equity, we still have many options available to meet your needs. We can help make sense of your current situation and provide an immediate plan of action. Contact us 604-812-3718 or info@gvcps.ca. We offer Free Consultation and do not charge you any fees or commissions.

Our specialized mortgage brokers near you are also on top of all the latest trends and innovations in the mortgage industry – from the status of interest rates to the availability of alternative financing options. With our superior technology and commitment to taking care of our clients during and after the transaction, you can be assured that not only now, but in the future, you will always have the best rates and mortgage products available by using our Mortgage Professionals at GVCPS. The guidance we offer and information we provide is deeply researched, objective and independent.

Finding the best mortgage companies and mortgage brokers near me in the Lower Mainland BC, Fraser Valley BC and Squamish BC

Finding the Best Mortgage Companies – the one’s who are committed to finding you the best mortgage financing options available to you that are tailored to your specific financial goals, is essential. You want to work with Mortgage Brokers near you who have access to a wide range of lenders that will be competing for your business therefore offering a variety of products for you to choose from and the best interest rates possible.

If you are looking for an independent mortgage broker in your neighborhood, contact our highly specialized team of mortgage brokers at GVCPS 604-812-3718. For more information regarding our Company, please visit www.gvcps.ca

You can go to a local bank and accept one of their products only available to that institution or you can contact an Independent Mortgage Broker at GVCPS that can offer a variety of products for you to choose from and the best interest rates possible. Our Brokers have access to over 40 lenders including Canada’s largest Banks, Credit Unions, Trust Companies and private lenders. Our Brokers give you unbiased advice and take the time to go through all your financing options.

We will make sure that you are provided with the best mortgage financing options available to you. We are here to work for you, not the banks. Our Company will provide many options to your individual mortgage needs that will turn your dream into a reality that is realistic.

Who are these mystical, magical people who help you move into your new house or provide immediate solutions to your mortgage problems? They are the Best Mortgage Companies who you can rely on with  the best Mortgage Brokers near you:

  • Service: Our licensed mortgage brokers who works for you offers personalized, one-on-one service. They are very communicative and proactive, anticipating requests for documentation and other conditions. Our mortgage brokers are paid by the lenders that they place the mortgage with and do not get paid until they close a loan. Apart from their good ethics, our mortgage brokers have a great incentive to fight to get your mortgage loan closed. Our mortgage brokers are very friendly, positive people who will keep you constantly updated as to the status of your loan application.
  • Experience: Even if you have great credit, steady employment, satisfactory income, low LTV (loan to value), and an acceptable property value, you will be asked to provide many documents before underwriters approve funding.Knowing what the banks will ask for in advance is one of the big bonuses of using the services of our experienced mortgage brokers. Anticipating a lender’s loan conditions can save hours of frustration. One of the most important things a good mortgage broker can do is assemble a comprehensive document package from the borrower before submitting the loan to a lender. When the underwriter gets a complete package, it eliminates time wasted going back and forth as the underwriter demands documents from the borrower, who must respond with the documents or risk losing the loan.
  • Lower Rates: A good broker shops lenders to find the best rates. Since our mortgage brokers get wholesale rates from the big lenders, our brokers can pass these savings to you. Usually, the mortgage broker makes his/her money from the rebate paid by the lender to the broker for selling an interest rate that is higher than the “par” pricing rate. But the fact is that these rates are still much lower, on average, than a borrower can get when he goes directly to the lender. A borrower in a bank pays that bank’s retail rates, which are usually higher than wholesale rates.
  • Trust: Canadian laws require that all mortgage brokers be licensed and have a knowledge of financing. Because of the strict licensing requirements, all licensed mortgage brokers pass rigorous testing and background checks, including fingerprinting and criminal background checks. Professional and licensed mortgage brokers will have good financial history and no criminal convictions. It is very important you trust your mortgage professional since you will be trusting him or her with your most private financial information when applying for a loan. Ask your mortgage broker to see written testimonials and speak with your mortgage professional directly with any questions or concerns you may have. After having an open conversation with your mortgage broker professional you will clearly see if he or she is the right fit for your needs. Using the services of an experienced, trustworthy, licensed mortgage broker offers benefits to homeowners seeking a mortgage refinance or new mortgage that a bank just does not provide.

 

The best Mortgage Brokers Near you have three things in common:

 

They are widely available:

A mortgage company doesn’t have to be countrywide to be good. If you have heard excellent reviews and the best professional services about a local mortgage broker near you, you should contact them. Local mortgage brokers near you will process fewer loans every month than a countrywide broker, however, they will be able to provide you with more detailed personal service that you need when making important financial decisions regarding your mortgage.

They are creative:

Our mortgage brokers know how to overcome lender obstacles creatively without adding any unnecessary stress to the situation. Underwriters often respond to loan packages with conditions that defy reason and common sense. When nonsensical conditions are passed to borrowers without explanation, as is often the case in big banks, borrowers become confused and frustrated and often respond with documents the underwriter did not ask for.

Our mortgage brokers aren’t rattled by strange condition requests and give careful attention to the request before planning a precise response to clear the condition. This may mean helping a borrower to write a letter of explanation, or calling a credit card company with the borrower to get an item cleared from a credit report. Our mortgage brokers go the extra mile for our clients. You have your own personal advocate working strictly on your behalf.

They provide you with options:

Brokers are paid on commission, generally speaking, and brokers usually have no preference which loan you choose. At banks, executives offer incentives to their loan officers to push certain loans. These loans are lucrative for the company, but may not benefit the you. You are served best when you are presented with different options in an objective manner.

Experienced brokers offer a variety of loan options tailored to you and explain the pros and cons of each. The options the mortgage broker presents should be based on their conversations with you and the mortgage broker should know how to ask the right questions to find precisely what the best options are that provide the most benefit.

Just remember we are a phone call, online application or an email away and we are happy to answer any of your questions. Or, if you are ready, we can process your application or explore all of your options regarding servicing your existing mortgage. We have a genuine interest in real estate and have been operating for 25 years. Contact us anytime with any questions that you have to discuss what solutions we can provide to your mortgage situation.  We provide free consultation to discuss the different options that are available to you | 604-812-3718 or info@gvcps.ca

Can Someone Take Over My Mortgage? We Can

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Can Someone Take Over My Mortgage – Yes We Can – We Take Over Mortgage Payments and the Property Associated With It: If you are facing unmanageable or unwanted mortgage payments or if you have been struggling to pay your mortgage payments and have fallen behind on your mortgage payments and need financial relief, you may be asking yourself – Can Someone Take Over my Mortgage?

Our Company, GVC Property Solutions Inc. (GVCPS), is a real estate investment Company that is headquartered in Vancouver, BC. We specialize in taking over mortgages and payments and the property associated with it. If you have been wondering “can someone take over my mortgage?”, our Company, GVCPS, can take over mortgages for any property type that includes; houses, duplexes, town homes, condos and multifamily residential projects that are any price, in any condition and in any location of the Lower Mainland, BC, Fraser Valley, BC and Squamish, BC.

We understand the stress and hassles that you face when you are experiencing unmanageable or unwanted mortgage payments, when you need to sell your property but cannot sell through traditional methods or when you just want out of your real estate situation for any reason. Contact us today with any questions that you have 604-812-3718 or info@gvcps.ca. We offer free consultation and we do not charge any real estate fees or commissions.

Mortgage Problems and Solutions – Can Someone Take Over My Mortgage

Finding a solution to your financial difficulties requires early intervention and a well-organized plan.  The first step is to ask your mortgage lender or mortgage professional about options that are available to you for managing your current financial situation.  Your mortgage lender may be able to assist you by arranging more flexible payment options, particularly if you have paid previous lump sum pre-payments or if you have previously chosen an accelerated payment schedule.

At times, a debt consolidation loan is advisable and your mortgage professional can arrange a loan that meets your needs.  In every case, the options available to you will depend upon your individual financial circumstances. You may also want to discuss your situation with other related financial professionals, such as your financial planner or accountant.

It is important to be honest with your mortgage lender if you are having financial problems and to immediately discuss any mortgage payment difficulties you are having with your mortgage lender.

If your mortgage lender cannot offer you a solution to your mortgage difficulties of struggling to pay the mortgage, YES, Someone can take over your Mortgage. If you require financial relief from unmanageable or unwanted mortgage payments for any reason, our Company can take over your mortgage payments real estate and the property associated with it. Contact us today to discuss what solutions we can provide to your situation. We offer free consultation 604-812-3718 or www.gvcps.ca

If you cannot pay your mortgage, unfortunately, foreclosure will be inevitable. Clients facing these difficult times are usually confused with the Foreclosure Process in BC. Furthermore, you are often left with few options such as refinancing and tend to avoid doing anything to stop mortgage foreclosure. This is the wrong thing to do.

If you are facing pre-foreclosure and need help to stop foreclosure, our Company can take over your mortgage payments foreclosure and the property associated with it. We have a highly experienced team of mortgage brokers that can help you take the first step towards a financial solution. Our Company also has many lenders who may be able to help you with your situation. Time is of the essence when you are facing foreclosure, contact us as possible to stop mortgage foreclosure 604-812-3718 or www,gvcps.ca

What Options Do You Have to Stop Foreclosure? Can Someone Take Over my Mortgage?

Acting fast keeps the best options open to you, however, options are few at this point and fast action on your part is imperative to keep your best options viable. If you take action immediately, options available to you may be that our Company will either take over your mortgage  or we can help you reinstate your mortgage, if your mortgage lender will still allow you to bring your mortgage up to date. Depending on your individual circumstances, reinstating your mortgage may be achieved by applying for a 2nd mortgage or utilizing alternate funds to bring your mortgage payments up to good standing.

When our Company takes over your mortgage or helps you to reinstate your mortgage, these 2 options are usually the least expensive options because a 2nd mortgage is more cost effective than refinancing your 1st Mortgage. By bringing your 1st mortgage up to date with alternate funds or applying for a 2nd mortgage, we will essentially stop foreclosure in its tracks.

If you have come to the realization that selling your property is the best option, it may be worth listing your house on MLS through a realtor or contact a Real Estate Investment Company that buys property without charging real estate fees or commissions. Our Company, GVCPS, buys property quickly and we do not charge any real estate fees or commissions. We buy property that is any price, in any condition and in any location in the Lower Mainland, Fraser Valley and Squamish, BC.

Our Company will also take over mortgage payments real estate and take over mortgage payments foreclosure and provide you with flexible, pre-negotiated terms that can give you the best value for your property that can provide you with more money with none of the hassles normally involved in selling.

Our mission is to counsel our clients to understand their individual needs and then provide our clients with the best solution to their situation. We can either buy your property quickly for cash or in most cases, we take over your entire mortgage payment as well as all of your other monthly financial obligations regarding the property on your behalf that may include; property taxes, property insurance and monthly strata fees if your property is a strata. We provide free consultation to discuss the different options that are available to you. We are available 7 days per week including evenings until 9:00 pm. Call 604-812-3718 or email: info@gvcps.ca You can also contact us 24 hours a day through our Confidential Form (click here).