Benefits of Using a Mortgage Broker
There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional.
Banks and credit unions only have access to their own products and services, however, a licensed mortgage professional has access to banks, credit unions, non bank lenders and many other lending institutions. We do research to find the best options to suit your particular needs including your present and future goals. Those options are presented to you to help you make informed decisions.
When you shop around each lending institution will do a credit check which might affect your credit score. Mortgage professionals usually do only one credit check that can be used for multiple lenders. As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.
Clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.
Whether you’re purchasing a home for the first time, taking out equity from your home for investment, pleasure or to consolidate debt, or your current mortgage is simply up for renewal, it’s important that you are making an educated buying decision with professional unbiased advice.
Why Work with a Mortgage Broker?
• We finance residential, recreational and commercial properties
• We focus on your personal and financial goals, not just getting the mortgage
• “No stress” We take the stress out of buying or refinancing a home. We do the shopping for you, so you don’t have to spend your time calling all the banks to find out who has the best rates and terms available.
• Qualified residential borrowers pay NO FEES as in most cases we are paid by the financial institution. If there is a fee, you will be told upfront.
• We provide pre-approvals on purchases so that your realtor can negotiate the best price for your home!
• We provide “hassle-free” closings and you will be fully informed throughout the closing process
• We specialize in arranging competitive mortgages for contractors, business for self, salaried and hourly paid employees
• We welcome “Credit Challenged” borrowers and arrange financing to get them back on track!
• We provide “Annual Mortgage Checkups” to ensure your long and short term financial goals are on the right track!
• We work with you to get the most competitive rate in the marketplace prior to your “RENEWAL” so you don’t have to worry about increasing rates before your maturity date
• We want to earn your business and be your Mortgage Agent for Life by keeping you informed of market trends and products and provide monthly newsletters and weekly mortgage market updates.
• Available when you are, not only when the banks are open.
• Its not always about the rate! Often higher rates can yield better outcomes in the long run!
It's Easy to Get Started!
Whether you are buying your very first home, upsizing, downsizing, or refinancing, I can find the right fit for your unique financial situation.