When planning to apply for a mortgage loan to buy a new house, you might wonder if you should apply for loans directly from banks or hire the help of a brokerage firm. Though they both facilitate your mortgage loans, there are several differences that make one a better fit than the other.

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Finding the Top Mortgage Brokerage Firms in Canada

Banks assign loan officers to deal with customers looking to get a mortgage loan. They may be the ideal choice if you want to invest more carefully and if you prefer a direct bank service. However, loan officers work for the banks, so they offer mortgage terms that are in the banks’ best interest and not yours. Also, banks are more likely to disapprove or refuse your application if you have a credit history that they find risky to deal with.

 

Mortgage brokerage firms are “middle men” who can help you get mortgage terms based on your unique financial capacity and needs. They work with banks, mortgage lenders and private mortgage lenders in coming up with the most feasible terms they can offer you. They don’t directly work for the banks or lenders, so they are more capable of personalizing their services for your unique situation.

 

They also have offices and branches with staff for various departments, so they can delegate tasks to accommodate inquiries and process applications faster. However, brokerage firms also have some disadvantages and not all mortgage brokerage firms are the same. To help you decide if a brokerage firm is right for you, here are some things you should look for in a mortgage firm:

Contact Us to Get 0 percent mortgages TorontoThey are usually associated with real estate offices – real estate agents and mortgage brokers cater to the same consumers so they build partnerships or associations that make the house-buying processes easier. This system can help them make referrals and recommendations that are more applicable to different clienteles. Nowadays, real estate offices have in-house representatives from mortgage brokers and mortgage lenders that the customers can directly inquire with. This means they can quickly learn how much and how long mortgage terms can apply.

 

Contact Us to Get 0 percent mortgages TorontoThey have official websites where you can look them up – the top brokers in the housing market do not only appear in listings or portals that display basic information or details about their companies, they also have official websites where you can directly refer to for more accurate information about their services. Their websites can also feature calculators that help you get instant quotes, email support, chat support, and direct line support. Features like these can help you contact them more easily and get real answers more quickly.

 

Contact Us to Get 0 percent mortgages TorontoThey offer realistic discounts – big discounts can be tempting, but they are usually fronts for hidden fees or expenses. If a brokerage firm offers you discounts or cheap rates that seems too good to be true, they may be hiding details that they will only reveal once you make the deal. Top brokers avoid that kind of customer trapping because such scam will affect their reputation and damage their names.

OUR CUSTOMERS LOVE US

My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Linderman Beadles
Linderman Beadles
06:16 26 Feb 18
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Gina Carroll
Gina Carroll
05:06 28 Feb 18
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Deane Laflamme
Deane Laflamme
04:40 27 Feb 18
My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Stephnie Boyles
Stephnie Boyles
13:59 15 Nov 17
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Billye Peralta
Billye Peralta
13:38 19 Nov 17
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Moore Hoover
Moore Hoover
02:25 16 Nov 17
We worked with Leon and he provided a thorough and a professional process in re-financing our mortgage. Communication was consistent, he was easy to reach and documents were processed quickly. Most importantly, we got a great rate that has us savings hundreds of dollars per month on our home. These guys really know what they're doing.
Melissa Brown
Melissa Brown
00:12 18 Jul 17
As third time home buyers we couldn't be happier with the service we got from Certified mortgage broker. The team did a great job working on our loan. Everything was fast, easy and transparent. Probably the best mortgage experience i’ve ever had.
Riley Clements
Riley Clements
15:27 20 Jul 17

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