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    Want to Apply Now? – Start Here!
    Purchase Your Home
        -You are purchasing a home, and
        -You want a mortgage at a low rate.
    Transfer Your Mortgage
        -You have a home and a bank mortgage
        -Your mortgage renewal is within 120 days.
        -You want to transfer for a low rate mortgage.
    Refinance Your Mortgage
        -You have a home and a mortgage
        -You want to re-arrange it:
            -to borrow more money
            -to pay off higher rate debts e.g., credit cards
            -to renovate your home
            -to develop your business
            -to get a lower rate
    Get Your Second Mortgage
        -You have a home and a mortgage
        -You want to keep the mortgage and to get a second mortgag
            -to borrow more money
            -to pay off higher rate debts e.g., credit cards
            -to renovate your home
            -to develop your business
    Get Your Pre-Approval
        -You want to lock your rate for up to 120 days
        -You may have not bought a home or decided to transfer your mortgage with Valueland
        -We guarantee your rate for up to 120 days, you do not have any obligation to stay with us!
     
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