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Your Trusted MORTGAGE SPECIALIST in CANADA
REPUTATION FOR EXCELLENCE
For over 11 Years, we have been providing the Burnaby, Vancouver and the surrounding Lower Mainland area with Sound Mortgage Advice.
As mortgage brokers we are here to help you make the choices that best suits YOU and only you.
Call us for independent mortgage advice! We are independent, which means we are not tied to any one lender or range of products.
Our goal is to help you successfully finance your home or investment property. We start by getting to know you and your home ownership goals.
When looking for the best mortgage broker and independent mortgage advisor, give us a call for today.
Without the help of a mortgage specialist like us, it will be difficult to find the best mortgage rates in BC. You can only get that help from an independent mortgage advisor like us.
Our Mortgage Specialist Services
With our Mortgage Broker Services , we offer a FREE 30 minute phone consultation. This session includes a home buying strategy session designed to help you get a deeper understanding of the entire home buying process, not just the mortgage but everything that is involved in it.
What our clients tell us is that on this call you will be able to see – right away- what the most important aspects of a mortgage are. It becomes clear what you need to select the best mortgage, and how the right mortgage can mean saving thousands of dollars over the time you hold this mortgage.
Why Should You Trust Us
You’re not only getting the best options, you’re getting an experienced team with over 40 years of combined lending experience across Canada, and in that a knowledgeable partner for one of your most important investments that you will ever make in your life.
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Frequently Asked Questions
Thank you for your interest in our mortgage services. If you have any question regarding your financing, we encourage you to schedule an appointment or phone consultation with us. We are pleased to offer all types of financing options for all your needs.
What Does A Mortgage Specialist Do?
A mortgage specialist works with you, the loan originator, to obtain the best mortgage for you. A mortgage that works for you and meets your needs, not the banks. A mortgage specialist is an independent mortgage advisor who does not work with just one bank or housing lender, s/he has relationships with many. Based on your needs, a mortgage specialist will go over your goals and your needs with you, and will use this information to identify the best lending product for you. A mortgage specialist know the mortgage market better and will then share this information with you, and will provide you with the most relevant lending options for your situation. Based on this information we will give you expert mortgage advice service and select the right mortgage for you.
Who Pays A Mortgage Broker?
The price of the service, the loan amount, is built in to your mortgage rate, no matter what. Here is an illustrative example. If you are going in to your bank and using a mortgage advisor or loan officer in branch, or you are using a mortgage specialist from a bank, who is paid on commission and not a salary, or a mortgage broker, who has access to more than just one bank and one lending product, the cost of the service is built into the pricing of your mortgage rate. The way it is all set up is like this; your bank branch that you go to, let’s call it ABC bank. While it is all the same bank, under the same umbrella. When you go to ABC bank and do a mortgage application, what ABC bank does is forward that mortgage application to ABC mortgages. It is the same company, under the same umbrella, but a different faction of the bank. Essentially it is operated as a totally separate arm.
Do You Pay A Fee To A Mortgage Broker?
The short answer is no. Most of the time, the mortgage provider that you select to go with, through your mortgage broker, pays your specialist mortgage broker a referral fee. There are costs associated with setting up a mortgage, and these costs and fees are discussed as part of the process. Costs such as legal and closing costs. All borrowers are responsible for these costs. There are occasions when a mortgage broker will charge you a fee. These occasions involve special circumstances, such as working with a lender that does not compensate the mortgage broker. These costs and fees should always bee discussed up front, and agreed upon, before pursuing any of the related financing avenues.
Who Pays A Mortgage Broker?
The price of the service, the loan amount, is built in to your mortgage rate, no matter what. Here is an illustrative example. If you are going in to your bank and using a mortgage advisor or loan officer in branch, or you are using a mortgage specialist from a bank, who is paid on commission and not a salary, or a mortgage broker, who has access to more than just one bank and one lending product, the cost of the service is built into the pricing of your mortgage rate. The way it is all set up is like this; your bank branch that you go to, let’s call it ABC bank. While it is all the same bank, under the same umbrella. When you go to ABC bank and do a mortgage application, what ABC bank does is forward that mortgage application to ABC mortgages. It is the same company, under the same umbrella, but a different faction of the bank. Essentially it is operated as a totally separate arm.
Help Of A Mortgage Broker
Our Services
Mortgage
Purchasing
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Mortgage
Renewals
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Mortgage renewals advice and tips – if your mortgage is coming up for renewal we can show you how to avoid unsuitable products and terms, help you avoid higher rates by finding you the best possible mortgage rates…
Mortgage
Refinancing
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Mortgage Debt
Consolidation
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Mortgage
Separation Or
Divorce
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Mortgage Special
Services
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As specialist mortgage services, home loans are also available to new immigrants and self employed individuals. New immigrants without established credit report, “proper” job description or unverifiable income, with the help of an independent mortgage broker, can qualify for home loans and avoid renting. Many best mortgage agents in Canada have helped immigrant purchase their first home.
Also see Best Mortgage Broker Vancouver BC | Mortgage Broker Burnaby | Mortgage Broker Coquitlam BC | North Vancouver Mortgage Broker | Mortgage Brokers Surrey