Because the Best mortgage
Starts with Choice
A mortgage is a big investment! Make sure you know your options and make the right Choice.
When I work with a new or existing client, my priority is to gain a clear understanding of their current circumstances and long-term goals. With that insight, I can guide them toward the mortgage solution that best aligns with their needs. Every client and every situation is unique, so I take the time to truly understand each individual before moving forward
Helping You Make the Best Choice
Reverse Mortgages
Utilize the full potential of your hard-earned home equity. Choose to tap into this resource and elevate your lifestyle with ease.
Debt Consolidation
Boost your monthly cash flow effortlessly by swapping high interest debts for a low interest mortgage. Choose peace of mind and wave goodbye to stressful bill days.
Purchases
Embark on your home buying journey! A world of mortgage options awaits, allow me to be your guide in choosing the perfect fit for you!
Equity Take Out
Sudden costs don't have to be a headache. Tap into your home's equity for the financial relief you need.
Refinances
Unlock the power of your property! Refinancing to fund that dream renovation or trip, let's choose the perfect mortgage solution together.
Renewals
Don't just renew—rethink your mortgage game! Let's explore your choices together to ensure you lock in an exceptional rate.
Questions You Should be Asking
Make sure you get the answers to these questions!
About your specific mortgage and approval
What is the best interest rate I qualify for?
Which lender is best for my financial situation?
What type of mortgage is best for me (e.g., fixed-rate, adjustable-rate)?
What is the minimum down payment required for this mortgage?
How much can I afford to borrow based on my income, debts, and credit score?
What documents do you need from me to start the application?
What credit score is needed to qualify?
About costs and fees
What will be my total monthly mortgage payment?
Is my property tax included in that payment?
What are the closing costs, and how much should I budget for them?
Are there any prepayment penalties?
What other fees or costs are involved?
Stay Informed on Rates!
Keep an eye on rates and when you are ready to proceed, contact me!
I will make sure you get the best rate available for your situation.
BONUS: Monthly Newsletter
Stay informed on what is happening in the mortgage industry and how it may affect you. Reach out to me if you have any questions!
Frequently Asked Questions
Your questions matter, reach out anytime if you don't find the answer here.
What do you do?
A mortgage broker helps borrowers find, compare, and secure suitable mortgage products from various lenders. They act as an intermediary between the client and the lender.
What are the advantages?
Access to multiple lenders: Agents can shop around and compare options from different lenders to find the best fit for your financial situation.
Expert advice: They provide personalized recommendations based on your income, debts, credit history, and goals.
Time savings: Agents handle much of the paperwork and communication with lenders, streamlining the process.
Potential for better rates: They may have access to exclusive rates and deals not available to the general public.
Independent representation: A good agent works for you, not the bank, and their business often depends on your satisfaction.
What about non-traditional income?
There are lenders that will look at various types of income, including non-traditional. I would need to have a chat with you to best determine what lender would be willing to provide a mortgage.
Schedule a 15 minute call with me: Book a call
Are there any fees to use you?
This will depend on what type of mortgage you are getting. For 'A' mortgages, Mortgage Brokers typically get paid by the lender after the mortgage has funded. For 'B' and 'C' level mortgages, Mortgage Brokers will charge a broker fee and get paid at closing from the proceeds. These broker fees will need to be included in your closing costs calculation.
What about being pre-approved?
If you are just starting to look for a home to buy, getting pre-approved should be high on your list of priorities. Getting pre-approved will allow you to determine how much of a mortgage you can afford and, when adding your down payment funds, will let you know how much you can buy for. The pre-approval is ONLY based on you and your income / debt, not the house. You will still need to be approved for the mortgage once you have an accepted offer.
To be pre-approved, you will need to complete a mortgage application so I can review your information, and then we can discuss your situation.
Online application link -> https://velocity.newton.ca/sso/public.php?sc=7n9ks5tjqb61
Schedule a 15 minute call with me: Book a call
Questions you should be asking about your specific mortgage and approval
What is the best interest rate you can get me?
Which lender is best for my financial situation?
What type of mortgage is best for me (e.g., fixed-rate, adjustable-rate)?
What is the minimum down payment required for this mortgage?
How much can I afford to borrow based on my income, debts, and credit score?
What documents do you need from me to start the application?
What credit score is needed to qualify?
Questions you should be asking about costs and fees
What will be my total monthly mortgage payment?
What are the closing costs, and how much should I budget for them?
Are there any prepayment penalties?
What other fees or costs are involved?
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