“Why would I not just go to my bank to get my mortgage?”
If you have never dealt with a licensed mortgage professional before, that’s a fair question to ask. However, there is a big difference between going to your bank and having someone like myself help you with your mortgage needs. And I should mention upfront that my services are typically free.
When you visit your bank to get a mortgage, your only options are their rates, products, terms, and set of qualifications. That’s it… one choice. What if there’s much better rates out there? What if you don’t meet their specific qualifications?
As a licensed Mortgage Agent, I often deal with those very same banks (TD, Scotia, and HSBC for example), as well as mono lenders such as First National and MCAP, credit unions, trust companies, and even private lenders. My goal is to find the best mortgage possible for you by reviewing your financial standing, listening to your needs, and then together choosing the lender and product that’s the best fit.
The biggest difference is I work for you - I don't work for your bank.