Your Goals. Our Expert Advice.
Maximized Savings.
Whether you are purchasing, looking to renovate a home, transferring a mortgage or looking to refinance an existing mortgage, Chelsea Ciglar is here to provide a customized mortgage solution for your needs.
You deserve the best service and advice for your mortgage.
As a Mortgage Agent with Ontario Lending Solutions Inc., Chelsea Ciglar is able to offer her clients the most competitive home financing products and rates. Chelsea is not only a Mortgage Agent but a Specialist in her industry with previous working experience at one of the 5 major Canadian banks.
Exclusively working with DeSantis Homes, Chelsea has supported the organization by providing financing to their pre-construction clients of previous and current projects.
For over 10 years, Chelsea has taken pride in providing professional, ethical and honest advice with a very high level of customer service to all of her clients. She has quick access to over 40 different lenders across the country and would love the opportunity to save you money.
Chelsea Ciglar Mortgage Agent
Pre-Approvals
We’ll determine your affordability and estimate your mortgage payments while getting you locked in to an interest rate for 90-120 days - depending on the lender.
Purchasing a Home
After determining your affordability through a pre-approval, you’re ready to start looking for a home or investment property.
Refinancing Your Home
Replace your current mortgage with a new loan. The new loan will have different terms. For example, a lower interest rate, lower payments, paying your mortgage off sooner and drawing from your home’s equity.
Your home is your greatest asset.
Choose a Mortgage Professional that can provide expert knowledge to keep your assets safe.
FAQs
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An interest rate remaining the same over the term of the mortgage. Your mortgage payments will also remain the same during the term.
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Your interest rate fluctuates according to a financial index. Monthly payments may stay the same, however, if interest rates go down, more of your payment goes towards the principal. If rates go up, more of your payment goes towards the interest.
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Your interest rate can change periodically. Monthly payments will fluctuate throughout the life of the loan depending on Canada’s prime rate.
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“The life of your mortgage” - The amortization period is the length of time it takes to pay off a mortgage in full.
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Typically promoted to older homeowners (55 years+). This option gives you access to tax-free cash with no mandatory ongoing payments.
Mortgage payment calculator
Contact Me
With just a few boxes to complete below, Chelsea will contact you within 1-2 hours and get you started on your journey to saving money
Our Lenders
