It’s one of the biggest investments of your life. With an abundance of information and financial options available, getting a mortgage can be time-consuming, confusing and intimidating! You don’t have to do it alone! Working with a mortgage broker will save you time, money and stress.
Saving You Time; Saving You Money
Banks and Credit Unions will only offer the rates they have. So you’d have to shop around yourself to find the lowest rate; which could mean that your dream home could be sold before you’re even approved.
Make one appointment and have access to multiple lenders. A Mortgage Broker will do all the shopping for you. With access to multiple lenders and mortgage rates; they’ll essentially negotiate the lowest rate for you!
With the ability to acquire high quantities of mortgage products, they can pass the volume discounts directly onto you … lower rate means lower payments OR shorter term which all boils down to SAVING YOU MONEY. A Broker could save you THOUSANDS.
Stress less, You’re the Boss
Brokers work for YOU, the customer and not the lender. They provide you with unbiased options. So that you get the best mortgage and the best rate! A broker will calculate your mortgage payments in a variety options to see what works best for you. If your financial situation allows for lump sum payments, they’ll find a mortgage that suits you, not the lender!
Don’t stress over having your credit checked over and over potentially lower your score, and limiting your options down the road. A mortgage Broker just checks once!
So when should you find a broker?
Before you go shopping, it’s important to know what you can afford. This will help you refine your search within your price range and not crush any dreams of a dream home you can’t afford. Being pre-approved speeds up the process of buying a new home. Using an affordability calculator can give you a better idea of what mortgage is affordable for you.
Is the kitchen is outdated? Maybe you really want to update the rec room. You need to tap into home equity. A Mortgage Broker can help you refinance and help you decide if refinancing is right solution for you.
It’s almost time to renew your mortgage. It’s best to start shopping at least 6 months before your renewal date.
Mortgages are confusing, buying a home should be as easy as “I want that” … “Let’s get that” … “It’s ours!” And with a mortgage broker, it really CAN be that easy.
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Centum Mortgage Choice has your best interest in mind.