Having your own mortgage broker, what’s the point?
Get help for complex cases
For many people, convincing a financial institution to lend them a mortgage can be more complicated. For example, self-employed or contract workers and those who have already gone bankrupt may have some difficulty obtaining a loan. To avoid the stress of refusals and improve your chances, simply do business with a mortgage broker. This will help you work on your file to make it sound and will tell you which is the most appropriate lender for your context. You will not have to worry anymore, since the broker is there to direct you to the right financial institution. See parentraide-cancer.org for an example
Save time and avoid headaches
Shopping a mortgage can be a long, complex and sometimes painful process. Instead of combining appointments with different potential lenders to compare rates and offers, rely on a mortgage broker. Thanks to its services, you have access to all the right information in a single appointment. And since the broker is not affiliated with a financial institution, you are assured that he will find the best mortgage for your situation and your needs.
Find the best clauses, not just a good rate.
Often, a rate of interest may seem very advantageous, but the clauses attached to obtaining this loan may eventually hurt you. In order to make the right choice, the mortgage broker helps you assess your needs and situation. For example, if you are thinking of quickly selling the house you are preparing to buy, the broker will pay attention to clauses that may result in penalties or restrictions if sold before the end of the term. Thus, you will be well informed of each clause and each condition of the loan and will be able to opt for the most advantageous.
Sound advice from A to Z
A mortgage broker works not just with numbers, but with people who call on his services. That’s why he provides you with valuable advice and can direct you to the most appropriate resources to protect you. For example, a good broker explains the importance of the will and the mandate of incapacity and the value of a de facto spouse on a mortgage, etc. If necessary, he may even recommend you to a notary.
Be Prepared for Purchase and Start-up Costs
Buying a home comes with several fees that some homeowners may forget. To avoid unpleasant surprises, your mortgage broker makes an overview with you and provides you with the maximum amount of information before proceeding with the transaction. You are then able to foresee every detail, such as the moving expenses of your various service providers, the welcome tax, the notary fees, etc. You will be ready to move into a new property without the stress of financial contingencies.
Accessible and available professionals
Because in real estate everything can go very fast, a mortgage broker must be reachable easily and quickly. We know that our clients must get their appointments when they need them. Moreover, it is a key ingredient for a relationship of trust to develop between us and to get the best mortgage loan. That’s why our team is committed to meeting you quickly to meet your needs diligently. If you have questions or need to act quickly, you can talk to your mortgage broker or a member of the team.