28 Aug

First-Time Buyer? You Can’t Afford Not to Use a Broker!

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Posted by: Patricia Kirkham

As a licensed mortgage broker, it’s my pleasure to walk you through every step of the homebuying and mortgage financing processes – from prequalification to funding and beyond.

If you’re a first-time homebuyer, my extensive knowledge of the Canadian mortgage landscape will prove particularly beneficial.

In today’s reality of tougher mortgage qualification rules, it has never been more important to get prequalified for a mortgage to know what you can afford before you start looking for your dream home.

With access to multiple lenders – including banks, credit unions and trust companies – I’m able to negotiate the best possible mortgage products and rates on your behalf. In comparison, if you approach your bank with a mortgage request, they can only offer you a narrow choice from their own product line.

I also have access to dedicated programs to help provide solutions for a variety of income and credit types, including the self-employed, new Canadians or those with bruised credit.

Because I specialize in mortgages, I do my homework on available products and stay up-to-date on any new products – or changes to existing products or mortgage rules – as they happen, so I can best advise you on offerings that match your specific needs.

I don’t have quotas for selling other products, like insurance, investments, and so on. I only focus on funding mortgages every day.

The big picture

It’s my job to ensure you’re paired with the mortgage product and rate that best suits your financial situation both now and into the future.

In fact, I recommend an annual mortgage review for all my clients to ensure your mortgage savings are always being optimized. Working with me is like having your own personal mortgage coach walking you through the entire process and explaining all the ins and outs of your mortgage options every year.

Have questions about working with a mortgage broker or your mortgage in general? Answers are just a call or email away!

 

*The postings on this site contain my own views and don’t necessarily represent the company’s positions, strategies or opinions.