Reason #2. Trust.

We work for you. A trusted mortgage advisor serves to represent you in your negotiations with the mortgage lender, or multiple mortgage lenders. An employee at a lending institution is always going to be working in the best interest of that institution, which is not necessarily your best interest. Sometimes cross-selling incentives can cloud the process if you are obtaining a mortgage from a representative that may also specialize in other products, like investments loans or credit lines. Sometimes these representatives are not actually licensed to specifically deal in mortgages. Licensed mortgage advisors are also paid by the lending institution, but in a different way. In almost all cases, we are paid a commission by the lender that we match you with, only after your mortgage is funded. This means that we only get paid when you are fully satisfied with our product offering, all conditions are met, and the deal is done. We will never abandon you during the financing process, and we will always be by your side for any hurdles along the way. We will walk you through every part of the transaction, beginning to end.

A good mortgage broker is educated and experienced in all things mortgages. We are licensed, regulated, and held to a high level of ethical conduct and character. Our reputation is paramount, and our honesty and integrity are our business. We will always be transparent and open with you.

We are your trusted advisor for the life of the mortgage. If at any time after funding you have questions or changes in circumstances, you can rely on us to be there to present options. Life can get complicated. In the event of a potential relocation, financial hardship, or marital breakdown, it is important that you have an experienced mortgage advisor there to offer honest advice about the various options that might be available to you.

As always, let me know if you have any questions or concerns.

Sarah