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Second Mortgage Brantford

About Brantford

Brantford (2016 population 97,496; CMA population 134,203) is a city in southwestern Ontario, Canada, founded on the Grand River. It is surrounded by Brant County, but is politically separate with a municipal government of its own that is fully independent of the county’s municipal government.

Brantford is named after Joseph Brant, an important Mohawk chief during the American Revolutionary War and later, who led his people in their first decades in Upper Canada. Many of his descendants, and other First Nations citizens, live on the nearby Reserve of Six Nations of the Grand River, 20 kilometers from Brantford; it is the most populous reserve in Canada. Brantford is often known as the “Telephone City”. The city’s famous resident, Alexander Graham Bell, invented the device at his father’s homestead, Melville House, now the Bell Homestead.

Brantford Home Appraisers

Without knowing how much your property is valued, it will be difficult to finalise a mortgage. While factors such as the size of the property, the number of bedrooms and bathrooms on site and also the age of the home contribute to the value of your house, one of the main factors in the final appraisal is how much similar homes in the area have sold for. Typically it takes a few weeks for the appraisal to be completed by a licensed appraiser, as the process needs to go through several regulations.

Brantford Mortgage Refinancing

Mortgage refinancing can be an excellent option for those looking to pay off old mortgages. It can help with unlocking equity that has been built up inside the home, or allow the borrower to consolidate debt. Often refinancing can result in lower monthly payments, particularly if the homeowner’s credit score has improved or the interest rates have been lowered. Or, you might opt for higher monthly payments but a shorter loan period, allowing you gain equity faster. Generally, if you can secure an interest rate that is more than two percent lower, any fees or costs associated with refinancing will be worth it. When refinancing with a second loan, borrowers can choose to combine the two loans, or simply to pay off the second one.

Brantford Real Estate Market

With a record number of homes sold in Brantford in 2015, and a similar trajectory expected for 2016 and 2017, Brantford has a booming real estate market. Thanks to an affordable housing market, people are moving to Brantford from other municipalities in Ontario, particularly nearby Hamilton, and property values increased by an average of 4.7 percent each year since 2012. Moreover, steady employment growth is predicted for 2017, which will boost demand for accommodation. Most of this growth is expected to be in single-detached housing, as opposed to multi-unit housing such as apartments.