About EricGall

I am an experienced mortgage specialist providing clients with options for all there mortgage needs -- whether its a purchase, refinance or commercial deal I have the tools and lenders available to help them out. I have extensive expertise in the hard to place deals -- self employed, blemished credit or previous bankrupt clients with a higher than average funding ratio for these type of clients. A true one stop shop for all your mortgage needs. Offering the best rates to qualified clients as well as helping others achieve there dream of home ownership or getting out of debt sooner. Based in Moncton with the ability to secure mortgage financing in New Brunswick, Newfoundland, Nova Scotia and Prince Edward Island

Pre-Approval or Pre-Qualify – What’s The Difference?

I get this question a lot and I see quite a few clients coming too me saying they have been pre-approved but received a decline when they had an offer on the table. To get a mortgage you basically need 3 things. Those are down payment, income and credit. Here is how this breaks down: [...]

February 21st, 2017|Mortgage|

Mortgage Payment Stress Test – How Does It Effect You?

You may have heard the phrase "mortgage stress test" in the news lately and are wondering what this is all about. It's not a condition that you need to get your health tested to be able to handle the stress of looking and purchasing a home. Basically the Government has put in place a procedure [...]

October 18th, 2016|Mortgage|