Happyazie Pouragha

A little about me… I’m a fun, outgoing mother of two who loves to smile, laugh and take care of the people around me. I am a Mortgage Broker and Entrepreneur.

[Happyazie Pouragha @HappyazieP]

@wiseconnector Pink

[Happyazie Pouragha @HappyazieP]

Here are 5 tips to prepare for buying your first home: 1 Keep a high credit score—it shows financial health. 2 Save for a down payment—5% on homes under $500K, 10% above that, 20% for $1M+ 3 Maintain stable income. 4 Pay down debt—it impacts borrowing. 5 Get mortgage pre-approval

[Happyazie Pouragha @HappyazieP]

Thinking about buying a home? 📷 Having a good credit score is not only important when it comes to being approved but a good credit score can also give you access to better rates.

[Happyazie Pouragha @HappyazieP]

Good credit in Canada = easier home buying. Top tips for a better credit score:
1 Pay bills on time.
2 Keep credit use under 30%.
3 Diversify credit mix (cards, loans, mortgages). 🏡💳 #CreditScore #HomeBuyingTips

[Happyazie Pouragha @HappyazieP]

Save on Homeownership
💰 Invest in energy-efficient upgrades
🔋 tackle DIY home maintenance 🛠️, and bundle your services
💻 These strategies make homeownership more financially rewarding. 🏡 #MoneySavingTips #Homeownership

[Happyazie Pouragha @HappyazieP]

Your credit score (300-900) in Canada, assessed by Equifax & TransUnion, reflects your financial responsibility. Scores > 660 mean you handle credit well, securing better borrowing rates. Key factors:

📌 Credit history
📊 Debt levels
💳 #CreditScore #CanadaFinance"

[Happyazie Pouragha @HappyazieP]

Your mortgage choice matters!
I'm your broker, here to serve YOU. Multiple lenders, best rates for YOU.

🏦 Bank's rep? They push THEIR product. 1 lender, not always YOUR best.

Ready to buy, renew, or refinance? 📩 Message me; I'll save you $$$ in interest! 💰💬 #SmartMortgage

[Happyazie Pouragha @HappyazieP]

1/3 of mortgage holders hit by rate hikes. 🏦 Bank of Canada predicts more changes ahead in 3 years. Time to take action!

🔍 Explore your options, don't wait. Let's nail your mortgage renewal together. 🏠🔒 #MortgageRates #FinancialPlanning

[Happyazie Pouragha @HappyazieP]

Bank of Canada's rate hike has posed mortgage payment challenges for many Canadians. Luckily, FCAC has a guide for financial help during tough times.

Solutions exist: Extend amortization for lower payments, waive penalties, defer mortgage temporarily.

[Happyazie Pouragha @HappyazieP]

Up for mortgage renewal? 🏠🔃 Brace for higher rates without panic! Here's how to be smart:

Supercharge payments: Use prepayment perks, ease into higher payments.

Mind bad debt: Watch credit cards, high-interest dues.

New home plans? Secure pre-approval, don't max out loan.

[Happyazie Pouragha @HappyazieP]

"Refinancing your mortgage opens doors to your home's equity 🏠💰. Here's why people do it:

1. Debt consolidation: Slash interest rates, manage payments. 📊

2. Home reno funds: Transform your space 🛠️✨

3. Lower rates: Secure savings! 📉💸

#MortgageMagic #FinancialFreedom"

[Happyazie Pouragha @HappyazieP]

Mortgage holders have seen their payments and rates aggressively spike over the past 15 months, which has caused a large sense of uncertainty. Working with a Mortgage Broker gives you access to advice, products, and rates you can’t get from your bank.

[Happyazie Pouragha @HappyazieP]

A recent CIBC survey found that home ownership remains a top goal for 71% of non-owners. Another 63% said homeownership is so important to them that they plan to help their kids with a down payment someday.

[Happyazie Pouragha @HappyazieP]

Happy Father's Day!

[Happyazie Pouragha @HappyazieP]

Attention mortgage holders! Rising rates impacting payments. Act now for best renewal options. I can help you find the ideal rate. #MortgageRenewal

[Happyazie Pouragha @HappyazieP]

Unlock your home equity to boost your financial well-being! Examples:

Renovations add value
Investing for wealth growth
Education for long-term financial benefits. #HomeEquity #FinancialStrategyyour

[Happyazie Pouragha @HappyazieP]

Leverage your home equity for a rental property! With rising rents and population growth, it's the perfect time to boost cash flow. Explore your options today! #HomeEquity #RentalPropertya

[Happyazie Pouragha @HappyazieP]

Mortgage renewal? Don't get stuck! Reach out for advice on exploring options. Stress Tests and higher rates make it crucial to act early. #MortgageRenewal #ExploreOptions

[Happyazie Pouragha @HappyazieP]

🐦 "I work for you, not the bank. Access to multiple lenders means finding the best mortgage deal. Save thousands in interest! #MortgageBroker"

[Happyazie Pouragha @HappyazieP]

Your credit score (300-900) reflects your creditworthiness. Scores above 660 show good credit management, ensuring competitive rates. Factors: history, balances, missed payments, debt, utilization, bankruptcy, collections. Need help? Message me!