FAQ

As an independent Mortgage Agent who specializes in mortgage loans, I represent you, not the lender. I am not an employee of any specific lending institution. This means I am not limited in the number of lending products I can offer you. I will help you find and negotiate the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company.

Less time is another advantage. “Shopping around†for the best options takes a lot of time and effort - Understanding which lending product is right for you can be confusing. Choose the wrong product, and it can cost you thousands of extra dollars. I am trained and experienced in helping you save on your mortgage loan.

There are a number of benefits you get working directly with me. Faster approval times - Getting lower than best posted bank rates - A personal, stress-free and informative experience - mortgage planning at absolutely no cost -Hundreds of lending options - And unbiased advice, are just some of the benefits you can expect.

My compensation comes directly from the lender (that you ultimately choose), as a “referral fee†for doing the leg-work on your refinancing. I negotiate & secure the best rates and terms for you, while adding no direct cost to you or on your home refinance loan or consolidation. Lenders prefer this arrangement because of the savings of not having to pay any hourly employees to handle your application. You save and the lender saves. You can call it a win-win arrangement.

Many people have either credit issues, difficult situation and/or in some cases, previous bankruptcy. I can often help clients successfully process their mortgage loan by carefully reviewing all options. Having many lending partners (traditional, non-traditional, and private lenders) helps to expand the "loan pool" available to you. We have helped many people with challenging situations, and I am confident that I can help you too… But the only way to know for sure, is to call me at 519 967 9077.

Generally speaking, a “debt settlement†service is the option of consumer proposal / credit counselling. What most people don’t realize is that in the eye’s of credit holders and banks, it’s considered to be similar to a bankruptcy (mortgage wise) and often have expensive fee’s - even if they can’t help you. On the other hand, “Debt consolidation†combines all of your debt under one loan/mortgage and gives you one easy payment. It makes debt easier to manage and budget. You end up getting a much better monthly cash flow and overall save thousands in interest costs, help improve credit ratings. And… there are no fees either way!

Mortgage loans should be convenient, easy and as low stress as possible for you. The process is quick and easy and is most of it is done right over the phone. I know you're busy, so I keep the red tape to a minimum and try to do all the work for you!

Your information is completely confidential and private. I VALUE YOUR PRIVACY! Your information is 100% secure and private. And your personal information is never shared, sold or rented – Ever!

There are never any obligations when you work with me. You can change your mind at any time! If you are not satisfied, you can just walk away with no penalties or costs. And you don’t sign anything until you are 100% satisfied with your options. No hidden fees, and no risks.

I try and make the paperwork process easy. To save you time and effort, the process can be done via phone, fax and email and requires minimal time and effort on your end. If you prefer in person, I can come to you as well, or you can visit me here at my office. Bottom line, I know you’re busy, so I cut the red tape out as much as possible. .