The Best Financing Options Available
A difference of one or two percent interest on a mortgage can result in thousands of dollars worth of savings over the life of your mortgage. As mortgage broker professionals, we will always ensure that you are getting the best-possible deal.
By using a mortgage broker, you will have access to interest rates that, according to The Montreal Gazette, “…99.9% of people can never get on their own.” That’s because we shop the market on a daily basis to find the best interest rates being offered by lenders – from the chartered banks to trust companies, credit unions, institutional funds and private lenders.
We also shop for the best terms and features being offered by the lenders. Our job is to compare mortgage offerings from all available lenders and provide you with the best options specific to your situation.
We Work for You, Not the Banks
Mortgage brokers are independent contractors. We don’t work for the lenders. We work exclusively for you, our client. We are 100% committed to finding you the best home financing options available to you – and tailored to your specific financial goals.
Professional Advice from Application to Closing
But beyond our role in finding you the best mortgage offering, we also assist you by:
- Guiding you through all the requirements of the loan process itself, from application to closing
- Reviewing and assisting in the completion of all required documentation
- Making you aware of all the associated costs of the loan application, disbursements and other costs or fees related to your mortgage
- Assisting you in the pre-approval for your mortgage
- Identifying, discussing and helping you to resolve any problems on your credit application before and even after it is submitted to lenders
- Recommending options for you if your credit is less than perfect or your income is low
- Providing credit counsel, if and when required
- Ordering only one credit check for all lenders (if you shop on your own, you may be faced with having several credit reports filed on you, which can affect your credit score)
- Explaining your mortgage options (in language you can understand) to help you make the best possible financial decisions
- Informing you of rate and lock-in options
- Communicating with you throughout the loan process in a timely manner