“After losing more than 30% of my investment portfolio in 2009, my bank offered no other advice other than to leave my money where it was or transfer it to GIC. Thankfully I was referred to Casey who showed me some other amazing investment options that were not available through my bank, that would give me the potential to make up for my losses while also providing some guarantees.  I’m extremely happy that I listened to Casey’s advice and not my banks, as I’ve now managed to regain all of the money I lost and can now retire the way that I was planning on.  Thank you so much Casey you’ve made a huge difference to my life and I will continue to refer  anyone that I know to you with pleasure!”


Becky Cezar-Redublo, Toronto, Ontario


“My wife and I have been clients for several years now, and in that time, we’ve conducted numerous transactions with both Casey and Wayne from mortgage refinancing to life insurance to managing our investments. These individuals have demonstrated that they have superior knowledge of their respective products and are able to deliver them with exceptional customer service. I have found that this combination is a rarity these days, and as such, I whole heartedly recommend their service to both friends and family with confidence.”


Clifton Sookdeo & Shelly Sharma, Caledon, Ontario


“I have nothing but amazing things to say about F1RST CHO1CE Financial Group. Not only are Casey & Wayne extremely helpful and patient, but they’ve always taken the time to explain all my available options and make recommendation that would help me best attain my goals. I would recommend F1RST CHO1CE to anyone looking to plan for their future.”


Wilfido Rodriguez, Brampton, Ontario


“Honesty, integrity, and professionalism are the three words that come to my mind when I hear Casey’s name. He has provided my clients over the years with the highest level of service and they always thank me for introducing them to him. Casey truly goes above and beyond.”


Deborah Robinson, Real Estate Agent – Royal Lepage


“Purchasing our first home was a little nerve racking at first, but after speaking with Casey we felt completely at ease as we new we were in good hands.  Unlike our bank who took more than 2 days to call us back, Casey was always available to answer our questions and concerns no matter when we tried to reach him. Casey you made our first home purchasing experience a very pleasant one, and we really appreciated your advice regarding our life insurance options as well.  Thanks for everything…you saved us a lot of time and stress!”


John & Allison Botero, Mississauga, Ontario


“Working with Casey was an absolute pleasure from the beginning to the end.  Not only did he secure us a much better mortgage rate than the bank we’ve been with for over 15years, but he also helped us create a financial plan to help us to pay off our mortgage faster while creating wealth at the same time.  We’re very excited about working with Casey in the future and look forward to referring him to all of our friends and family.”


Peter & Lorraine Verners-Rufh, Oakville, Ontario

Why Pre-Approvals Are a MUST

for Home Shoppers:


It is increasingly surprising at the number of people who don’t take the time to get a pre-approval and rate hold before they go out home shopping.  It is a terrible feeling to have to tell people that have put in a conditional offer on a home subject to financing approval that they will not be able to secure financing for the home they’ve finally selected.  When you obtain a pre-approval/rate guarantee, you have absolutely nothing to lose and everything to gain.

If you are in the market for a new home and need to determine what you can afford to shop for, then now is the time. In today’s mortgage market some lenders are offering to hold mortgage rates for up to 120 days while you shop for your new home. Many will also match the builder’s rate cap program if your home does not close within 120-day period. That’s not the only plus – it gets even better.

When you pre-approve with a lender, you are automatically guaranteed an interest rate no greater than the rate for which you are pre-approved. At the same time, if interest rates go down after you pre-approve, you are usually given the benefit of that lower rate. To put it more simply – the financial institution with which you pre-approve is going to pay the costs of you playing the interest rate game.

The fact that the financial institution bears the risk of interest rate fluctuations is only one of the benefits that a pre-approval has to offer. By pre-approving with a good lender or mortgage financing.

You learn about what you need in the way of income verification, down payment, credit rating, and mortgage products. You learn to understand the benefits of going with a short or longer term. You learn what incentives and kickback programs there are in the market, and which mortgage products will best meet your needs.

Be prepared before you talk with your mortgage professional. The following is a list of all the necessary information you will need to secure home financing:

a. Be prepared to have your employer give you a letter on company letterhead outlining your name, position, gross annual income, and number of years employed with the company.

b. If self employed, three years financial statements, and tax returns (together with official assessment from Canada Customs and Revenue).

c. Social Insurance Number(s)

d. At least 3 years’ history of residences and employers.

e. Know your banking information (i.e. institution’s name, address, type of accounts, account numbers).

f. Know your assets and their value (i.e. cash amounts, stocks, bonds, RRSPs, car).

g. Know your liabilities (i.e. car loan, credit card balances).

h. Always let the lender know any past credit problems you may have had. Many people have them, but just be sure you can give an exact recount of the details surrounding any late payments.

Don’t be the next person to go home shopping only to discover you are not qualified, or that you could be getting your dream home now. Talk to your mortgage broker or lender and get the peace of mind offered by a pre-approval.

Back to Articles Of Interest Home Page