The Ten Reasons
10 Real Reasons Why “Les” Will Save You
“More” on Your Next Mortgage
1. EXPERTISE We focus on only one product.... mortgages! No one
knows mortgages better than an Accredited Mortgage Professional.
2. FLEXIBILITY With hectic schedules and busy lives, unlike the
Banks, I work with your schedule. Applications can be taken over
the phone, fax, in person or with our secure online application.
3. CHOICE As part of the Real Mortgage Associates team, we have
access to over 50 lending institutions. That access to an
exhaustive list of mortgage products and options allows us to
find you the very best mortgage, all at competitive rates. We
realize that each client is unique Not everyone fits into the
banks’ little boxes. We have successfully-helped clients from
all walks of life including the self-employed, recently
separated or divorced, retired, seasonal workers and those with
past credit issues.... all of whom don’t typically fit a bank’s
qualifications.
4. OUR SERVICE IS FREE (OAC) The lending institution pays us
when your mortgage is funded therefore eliminating the common
misconception that we charge high fees. In some cases, such as
clients with impaired credit or when private mortgage money is
used, a brokerage fee may be charged to compensate us for the
time & effort to negotiate your deal. All fees are fully
disclosed up-front, so there are no surprises and they are paid
from the proceeds of your financing upon closing.
5. HIGHLY MOTIVATED If I can’t find you a great mortgage, I
don’t get paid. So unlike the hourly-waged bank employee, I am
highly motivated to not only get your deal done, but done to
your satisfaction.
6. YOU WON’T BE HELD HOSTAGE We’re not after your accounts, RRSP's, investments, credit cards or your first-born. You don’t
have to transfer all of your business to get a better rate on
your mortgage.
7. GREAT RATES While you may arrange a mortgage every five
years, a mortgage broker and his or her firm are securing
thousands of mortgages each year. This enables them to negotiate
better interest rates based on that volume, which can be passed
on to their clients. At renewal, many homeowners simply sign the
renewal quote offered and choose a term and rate without
realizing that a mortgage broker may be able to save them up to
one percentage point off the posted rate. This can translate in
thousands of dollars in savings over a five-year term. To ensure
you get the best rate, it’s wise to contact a mortgage broker at
least four months prior to renewing or considering a new home
purchase. We can guarantee that great rate from 90 – 120 days.
In addition, we have access to “specials” from time to time. –
Yes, lender’s have sales too. We are able to pass on these
savings to our valued clients.
8. ONE CREDIT INQUIRY Rate shopping from lender to lender, if
tackled on your own can be damaging to your credit rating. Each
time a Lender inquires on your credit, your credit score can
drop. Too many inquires can make the difference between qualifiying or not. We understand that your credit score
determines the rate of interest you will be charged so every
point is valuable. Whether you deal goes to one lender or ten,
only one credit bureau will be taken.
9. FRIENDLY, PROFESSIONAL AND PERSONAL SERVICE Our goal is to be
your Valued Mortgage Professional. You’re not just another
number. We take pride in the fact we take the time to make sure
all your questions are answered. We want to provide you with the
very best experience we can, so you will recommend our services
to your friends, family and co-workers.
10. INDEPENDANCE & OBJECTIVITY A mortgage broker has access to
many competing lending institutions, including banks, pension
funds, trust companies and even private individuals. As mortgage
brokers we’re not obligated to sell the products of any one
lender. Because of this, we can be completely unbiased in
recommending a mortgage that has the most attractive rate and
features for their clients. |
