WHY CHOOSE A MORTGAGE BROKER?
Thinking of purchasing a first home? Thinking of refinancing or hoping to buy that vacation property you have always dreamed about? What about using the equity you have built in your home to renovate or even enjoy retirement? Many are unsure where to start, a Mortgage Professional can help.
Mortgage Brokers and Mortgage Professionals offer independent advice, not tied to any one lender or range of products. The goal is always to help you successfully finance your home or property. Starting by getting to know you and your financial goals a mortgage professional will help you decide what mortgage meets YOUR needs.
Mortgage Professionals will negotiate on your behalf, most people take what their banks offers with no idea that there are many other products out there that may better fit their needs. Brokers work with dozens of lenders and know their way around hundreds of products. They analyze what product is right for YOU.
Mortgage Brokers offer a One-Stop-Shop don’t spend your valuable time organizing appointments with competing banks, spend your time house-hunting instead. Your Mortgage Professional will be your main source of contact, working directly with dozens of lenders, comparison shopping on your behalf to narrow down a list of mortgages that suits YOU best, ensuring you are offered the best rates and terms available for your own personal situation. Using a Mortgage Broker is quite frankly fast, easy and convenient, also with more choice comes more competitive rates.
In choosing a Mortgage Broker you will get EXPERT advice. When it comes to mortgages, rates, terms and the housing market, having a Mortgage Professional on your side with the ability and time to explain, in plain language, what exactly you are getting into is key. Your Mortgage Professional will always be available to answer questions and get you to the closing date with less confusion and stress, helping to ensure your mortgage transaction takes place on time and to your satisfaction.
All of this with no charge for mortgage services, on a typical residential mortgage transactions there is generally no charges from the Broker to the client, only in cases of extremely difficult mortgage situations would a fee be charged to a client. Like many other professional services, such as insurance brokers, mortgage brokers are generally paid a set finder’s fee when a broker introduces a trustworthy, dependable customer to a financial institution. These fees are standard and set nearly industry-wide so that the focus can remain on YOU and your needs, with the lenders bearing the financial burden.
The most important thing a Mortgage Professional can offer to a client is the ongoing relationship and support. Even once your mortgage is signed and paperwork is complete, a good Mortgage Professional will be there for your concerns, questions and will become a part of many of your future financial plans and purchases. A Mortgage Professional, like myself, will be happy to be of assistance when YOU need it.