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mtg Investors Group Mortgage

FLEXIBLE
   MORTGAGE
OPTIONS
Investors Group offers a multitude of flexible options to make the most of your mortgage - and to meet your financial goals.

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90 DAY RATE GUARANTEE ON NEW MORTGAGES
If interest rates fall after you've signed your mortgage application, you'll receive our lowest offered rate from the date of your application to your funding date (max. 90 days).   If interest rates rise during this period, you're guaranteed the lower rate. So rate fluctuations are not a concern.
NO COST TRANSFER
If you have an existing mortgage and you choose to take advantage of the features of an Investors Group mortgage, you can transfer it to Investors Group at no cost - with no legal fees, appraisal fees, etc.
DOUBLE UP PAYMENTS
You can choose to pay twice your regular mortgage payment on any payment date.  This surplus is applied directly against the principal blaance of your mortgage, and saves interest costs.
INCREASE PAYMENTS BY 15%
Once each calendar year you may increase your regular mortgage payments by up to 15%.  This saves you interestand helps you build home equity faster.
MAKE LUMP SUM PRE-PAYMENTS
Once each calendar year, you may prepay up to 15% of the original amount of your mortgage.  Even $2,0000 a year can shave over 10 years and $47,000 off the total payements for a 25 year, $80,000 mortgage at 8%.
WIDE RANGE OF TERMS
You can select a wide variety of terms - rangin from six months to 10 years - depending on whether you want the comfort of securing your payment amount or the flexibility to "play the market".
EARLY RENEWAL OPTIONS
If you think new rates are on the rise, Investors Group will allow you to lock-in" at any time during the term of your mortgage - without waiting until your renewal date.  You'll have the peace of mind knowing you're saving interest costs, without worrying about rates.
PRE-APPROVALS
Take the financial uncertainty out of looking for a home by qualifying for an Investors Group mortgage before make the decision to buy.   A pre-approval can help you decide which home falls into your financial "comfort zone" and protect your interest rate as well.
FLEXIBLE PAYMENT OPTIONS
You can choose to make your mortgage payments monthly, semi-monthly, weekly or bi-weekly allowing you to control the timing of your various payment obligations.  By paying weekly or bi-weekly, you will substantially reduce your amortization period and save interest costs.
PORTABLE/ASSUMABLE FEATURES
If you are planning a move, you can avoid expensive penalties on you mortgage by either taking it with you to your new qualifying property, or using it as a selling feature on your current home by letting the new buyers assume it (subject to the approval of the buyers by Investors Group).
BRIDGE FINANCING
If the sale proceeds form your present home won't be available in time for the closing date on your new home, we can offer you short-term financing at competitive rates to help meet your financial commitments and "bridge the gap".