What services do you offer?

As financial brokers and consultants we act on your behalf to find you the credit you are seeking, and at the best possible rates and terms. We specialize in Mortgages, Debt Consolidations, Vehicle Financing, Lines of Credit. We also provide credit counseling, and credit rebuilding to help rebuild your credit. We are not lenders, we consult with the lenders so you don’t have to.

Why should I use a broker?

One Stop Shopping! We do all the work for you. Not only are we familiar with all lender’s rates, terms, products, and fees we also offer access to lenders that you would normally not even know were available to you. We also know many more ways to get to an APPROVAL for you. Banks are "black or white" but we see "shades of grey" or often get a "yes" even when your own bank said "no".

What rates are available?

The rates depends on the product you are applying for and are always comparable to your own lending institution’s posted rates, but usually much lower. We explore the market to find you the best rates/terms/options available. (Click here to view rates)

Can I buy a home without a downpayment?

You can be pre-approved at anytime, regardless of your down payment resources. If you wish to buy a home now before you think you have acquired the down payment then you will need the services of a qualified mortgage broker, and this is our specialty. Many new and exciting options exist today. Call us for a free consultation!

What if I have poor credit?

A derogatory credit rating can be a problem, but it does not mean there is no hope. We can help put you back on the road to a good credit rating and have the freedom to borrow once again. Please contact us to discuss your particular situation.

How much does it cost me?

Nothing! While there are fees for any lending transaction we are no cost no obligation, we may even make you money...

What kinds of mortgages are available?

We offer a variety of mortgage solutions to suit a variety of needs. Low rates to cash back will help you buy the things you need to make your house a home.

FIXED TERM:

Interest rate and payment are guaranteed for the length of the term. The longer the term the higher the rate. Often referred to as a closed term as prepayment is limited or a penalty will apply.

OPEN:

Only offered on short term mortgages and the balances can be paid off at anytime without penalty.

RATE DISCOUNT:

Refers to a lower than posted rate and is what Mortgage Specialists shop for. The best clients get the best rates and the longer terms usually get bigger discounts.

CASHBACK:

In lieu of rate discounts we have a multitude of leaders who will offer you cash as an incentive and the percentage of cashback is normally 1% to 6% but can go higher. On a mortgage of $100,000 that could mean $6000 in your pocket.

VARIABLE RATE:

There are literally a dozen variations of this product, but in a nutshell it is a mortgage rate based on the prime rate (or prime minus in most cases). It offers options such as lower payments since the rate can be 2% or more less than a fixed term and there are many ways to pay off your mortgage quicker with these products, even as much as 10 years sooner. There are options in these types of non fixed term/rate mortgages to protect you against rates rising too high. Inquire for more information on which type is best for you.