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Spectre Financial is proud to partner with John Rossi from Mortgage Alliance to bring our clients the best available rates and mortgages available today.

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John Rossi, Mortgage Consultant | Mortgage Alliance

John Rossi

Mortgage Consultant, Mortgage Alliance

Specialties: Residential Mortgages, First-Time Home Buyer

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About Me

I can find the perfect mortgage for you!

Mortgage Alliance is the most recognized and trusted mortgage brokerage in Canada and as a Mortgage Alliance professional, I have the expertise to get the Right Mortgage for your immediate and future needs. I work for you, not the banks, and provide unbiased guidance in your mortgage decision.

We work with over 60 lenders (some offered exclusively through brokers) so you have the choice, convenience and great counsel that you deserve!

First-time home buyer

Here’s to buying like a pro the first time!

Buying your first home is one of the most important financial decisions you’ll ever make and getting the right advice from a mortgage professional is a great way to start.

Before you start looking for your dream home, your Mortgage Alliance professional can help you find out how much you can qualify for so you can shop with confidence. They’ll explain the process and even assist in getting you a mortgage pre-approval so you can take advantage of today’s low rate environment by locking in today’s rate for you for a set period of time, typically 90 to 120 days.

Understanding your down-payment options is important as you get ready to buy your first home. This is right time to consult with your mortgage professional who can explain the requirements and options available to first-time buyer only when it comes to down-payment. Generally, the min down-payment required depends on the purchase price with the min being 5% down. For homes $500,000 and under 5% down is the min required. For homes over $500,000 but less than $1 million, you need 5% down-payment on the first $500,000 and 10% for any amount over that. If your purchase price is $1 million or more, a minimum 20% down-payment is required. Mortgages with less than 20% down are subject to default insurance which is usually added to the mortgage amount.

At Mortgage Alliance, we work with over 60 lenders from major banks to private lenders. Your mortgage professional gives you access to multiple lenders and finds the right mortgage for you with only one application. They help you navigate the process, explain your options and present you with mortgage solutions that best meet your need. Having the right combination of mortgage features, privileges and rate is key. The right mortgage goes beyond just the rate--it's important to also consider term, prepayment options, refinancing penalties, restrictions, and fees.

Your mortgage professional will not only find the right mortgage for you but also provide strategies to help you pay your mortgage off faster and shave thousands off interest costs in the process.

4 reasons why it's smart to use a Mortgage Alliance Advisor

1) My services are free - no cost to you (*O.A.C)!

2) I have access to interest rates the banks don’t want you to know about! Mortgage Alliance Professionals send lenders millions of dollars of business each month, I offer the deepest discounts which are passed on to you - whether you are purchasing, refinancing or renewing

3) I shop the market to save you time - Calling a Mortgage Alliance Professional is like calling over 50 different Banks, Credit Unions and Trust Companies

4) I am available on your terms - day, evening and weekends

Mortgage rates and products are constantly changing, and the Canadian market is more competitive than ever. I work on your behalf to find the Right Mortgage for your situation, and as part of an independent brokerage, I can place your mortgage with whatever lender is the best fit for you.


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