ABOUT US

Mortgage Brokers represent you, the customer, not the lender. Because they are not employees of a lending institution, Brokers are not limited in the product they can offer you. Brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds.

 

There is a wide assortment of options and features available to homebuyers today. Shopping around takes a lot of time and effort. The mortgage process within today’s very competitive marketplace intimidates many homebuyers. It pays to work with a mortgage professional who will represent you and ensure the mortgage you get is the one best suited to your needs.

 

Choosing the wrong mortgage can cost you thousands of extra dollars. Mortgage Brokers are trained professionals who can help you save on your mortgage dollar.

 

Reasons to use a Mortgage Broker?

 

• Access to different lenders, banks, trust companies, investors and financial institutions.

• Fast credit and loan pre-approvals with no cost or obligation. (Some conditions may apply)

• They are experts at matching you with the best-suited mortgage.

• They work for YOU, not the bank.

• Up-to-date on all the mortgage rates, terms and re-payment options available on the market.

• They only specialize in mortgages and are knowledgeable on current trends.

• They increase competition in the market place, thus keeping rates low.

• They save you time and money!

• Brokers have vested interest in satisfying your needs since they rely on referrals and repeat business.

• Other than rates, why should I use a Mortgage Broker?

• Access to Specialized Programs/Grant/Down Payment Assistance only offered by their Lenders

 

In addition to rates, because mortgage-based financing is the broker’s primary business, he or she has developed expertise in what type of mortgage financing each lender prefers to pursue. This kind of knowledge not only results in the most favorable rates for each project, but often whether a project is funded at all.

 

Why should I go to a Mortgage Broker first?

 

A professional presentation to a lender on the first application will get the best response and save you valuable time and money. Secondary applications with previous credit bureau inquiries may be more costly.

 

Often the success of obtaining mortgage approval depends on the way a proposal is presented and to whom it is sent. Your Mortgage Broker is trained to present your mortgage proposal where and how it will get the most immediate, positive result.

 

How do Mortgage Brokers get better deals than many Banks?

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• Economics 101, they have 100's of lenders fighting over your business, this creates competition

• No tiered arrangement of management, less overhead

• No billboards, No Superbowl commercials, No huge Marketing budgets, just local realtors and community supporting them for a job well done

• Brokers often develop professional relationships with private sources of funds, termed private lenders. These lenders can provide many various mortgage products not available at conventional sources.

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