Many young Canadians rely heavily on their parents and their realtor for advice when buying their first home. This makes sense. They don’t cover mortgages and home buying in school, so many of these first time home buyers haven’t a clue about what to do or when to do it. Some of them haven’t even heard of a mortgage broker, and many have never taken out a loan. Today we’re going to focus on how a mortgage broker can help you.
While you know the big banks like CIBC, ATB, and Scotiabank, we know all the little lenders in Calgary that you’ve never heard of. That means your list of potential lenders has just double or quadrupled, and the best part is, you don’t need to do any of the leg work! When you work with banks directly, you’ll need to phone and work with the loan officer at each individual bank. To make matters worse, in order to get the best deal, you’ll likely need to call two or three CIBCs, two or three ATBs, and the list goes on. That’s a lot of time and a lot of energy that you’d probably rather spend doing just about anything else.
Besides, when you work with our mortgage specialists, you don’t just save time and energy, you also save money. We bring lenders so many clients, that they often give our clients a break. That means better interest rates, the best features, and none of the work. As the saying goes, “it’s not what you know, it’s who you know.” By choosing to work with our experts, you don’t only benefit from our experience and knowledge, but also our network and numerous connections.
If the idea of negotiating back and forth with a stuffy banker over interest rates and mortgage perks makes you want to call in sick, you’re not alone. A lot of Calgarians simply have better things to do with their time. That’s why we handle all the negotiation. This benefits you in a couple ways. Obviously, it’s great that you don’t need to spend hours negotiating with this lender and that loan officer, but our mortgage specialists are also trained negotiators who can land you the best deal possible.
At the end of the day, your mortgage broker benefits you by working as your agent. We talk with lenders, secure the best rates, and negotiate on your behalf. Mortgages are our specialty, so it just makes sense that we’d be able to find the best deal for you. And the best part is that we’re paid by your lender instead of you! You get all the benefit and no cost.
Source was absolutely great to work with - went above and beyond to help us get everything done when buying our new home. Highly recommended!! Chad and Jenelle Richards Jan 09 2013
Chad and Jenelle Richards
Added January 23rd 2013
|V.R.M.||Prime-.65 or 2.35%|