Before we look at the benefits of using a broker let's look
at exactly what IS a Mortgage Broker.
Just as an insurance broker finds you the best deal on insurance,
a mortgage broker finds you the best deal on mortgage. Rather
than working for one financial institution, I'm independent
and deal with several different financial institutions. This
allows me to offer you more choices and more competitive rates.
Let an expert take care of getting you a better rate.
Because I study mortgage rate markets and have direct access
to several different lenders, I can offer you highly competitive
rates that are among the best available. And, while you may
not enjoy negotiating with financial institutions, that's
my specialty. I'll make sure you get the most attractive rate
currently on offer.
I can shop dozens of lenders in the time it takes you to
book an appointment at your bank.
Shopping for mortgages can be time consuming and frustrating
if you do it yourself. That's why more and more people are
relying on mortgage brokers. I know which lenders offer which
products and can quickly short list the ones that best match
your needs. You'll end up with the best features and rate,
all in one stop.
Advice that based solely on your needs and in your best
interest.
Because I don't work for any of the lenders, I won't try
to lead you in a certain direction. After making sure I understand
your needs, I'll present you with some options and together
we'll decide which mortgages is best for you and your financial
future. No pressure. No ulterior motives.
Not only do I understand everything there is to know about
mortgages, I can explain it in plain English.
As a mortgage broker, I'm 100% dedicated to the financing
of your home. I know all about GDS, PIT, ARM, LTV, ETO, etc.
and can explain everything you really need to know in easy-to-understand
terms. so all you have to think about is enjoying an affordable
new mortgage in your exciting new home!
My expert, unbiased, fast service is FREE!
Even though I work for you (not the financial institution),
I get paid by the financial institution (not you!). Their
"finders fees" reimburse me for bringing them creditworthy
customers like you. And since these fees are similar across
most lenders, there's no incentive for me to favor one lender
over another.
As your mortgage broker, I'm highly motivated to get your
mortgage completed fast.
After I've analyzed your financial situation and goals, I
shop several lenders for the mortgages that best meet your
needs. Once you and I agree on the final choice, I place your
mortgage with that particular lender. Only after all the details
are taken care of and your mortgage is complete do I receive
my "finders fee" from the lender. This provides
strong motivation for me to keep your deal moving forward
to early completion!
Even though I can usually promise a discounted rate, I only
deal with first quality brand name lenders.
Most of the lenders I deal with are the same reputable, established
Canadian financial institutions you're used to. To that list,
I also add some innovative broker-only lenders who offer even
more attractive rates and features. But rest assured, all
the peace-of-mind features you require — like CMHC or
GE Insurance — are fully available from me. I'm committed
to the highest ethical standards and doing everything I can
to ensure your financial future is 100% secure!
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