Choice. A broker has access to mortgages from a huge range of lenders - so their clients have by far the best choice of rates and mortgage options. With partnerships in a vast network of over 50 lending institutions, including banks, credit unions, trusts, national and regional lenders, and non-traditional lenders, your broker can help design the perfect mortgage for you. Independence and objectivity. A mortgage broker actually works for you, not for any one lender. That kind of objectivity means that you - the client - are the focus. They fit the mortgage to the client, not the other way around. You'll get the best rate for your situation.You may not realize it, but there are sales and promotions in the mortgage world, too. Lenders often offer special rate promotions, for example. Your broker will know about these special offers, and whether they might work in your situation. Expertise. With 35-year amortizations, re-advanceable mortgages (mortgage combined with a line of credit), no income documentation products for the self employed, credit repair and debt consolidation solutions, today there are mortgages for almost any situation. And your independent mortgage broker knows them all. That's what you want: someone who's focused on the mortgage marketplace and your needs. Rates. Getting a lower rate can potentially save you thousands of dollars. That's why more homeowners are more likely to call a mortgage broker to check out their options for their first mortgage and at renewal. Call early; your mortgage broker can usually guarantee an interest rate for 90-120 days. One credit inquiry. Rate-shopping on your own can actually be hazardous to your credit. Every time a lender checks your credit, the credit bureaus take notice. Too many inquiries and your credit rating can weaken, possibly affecting the rate and terms of your mortgage. Your broker does one inquiry only, regardless how many lenders you're looking at. No cost to you (o.a.c). As a rule, the winning lender pays compensation to your broker for the services and solution provided. Personal attention. You need a mortgage plan that is a custom fit for you, and a broker who keeps in touch with you during your mortgage years. Keep in mind that their business is built primarily through referrals from satisfied customers, so your positive mortgage experience is essential for their ongoing business growth.
As my business consists of referrals from satisfied customers your positive mortgage experience is essential. Please feel free to pass my name and contact information along to someone you know that could benefit from my services. I also work very hard to make sure I thank those of you who refer to me. Let me know so I can pass on the benefits of my Referral Program to you!
Here is just a snapshot of the type of applications i deal with;
First time home buyers Revenue Property purchases refinancing your existing mortgage Transfering your mortgage from one institution to another challenged or damaged credit Non - resident financing New to canada applications Debt consolidation
Your mortgage is a big decision and a powerful financial tool. For your next mortgage, contact myself, who is trained and ready to help you achieve your financial and homeownership goals.
Objective advice and great rates are just the beginning.
Thank you and i look forward to hearing from you.