If you want to purchase a piece of property but do not have the cash in hand yet, then getting a mortgage is the best choice. If it’s your first time to applying for a loan, then you may be puzzled as to where to get a mortgage: bank, direct mortgage lender or mortgage broker?

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Featured Rates

FIXED

LenderRateTerm
Mortgage Lendwise RateLendwise

3.40%

5-Year
Mortgage First National Bank RateFirst National Financial

3.59%

4-Year
Mortgage RMG RateRMG Mortgages

3.29%

3-Year
Mortgage Street Capital RateStreet Capital Bank

3.19%

2-Year
Mortgage TD Bank RateTD Bank

3.19%

1-Year

VARIABLE

TermRate
5-Year Variable

2.75%

3-Year Variable

3.35%

OTHER

TypeRate
Line of CreditStarting at

3.00%

Equity LoansStarting at

5.99%

Private MortgagesStarting at

5.99%

Directly Going to a Bank

Most first-time homeowners go to big banks, hoping to get their best mortgage deal. They are assisted by loan officers in obtaining the desired principal amount and interest rate. The borrower is interviewed to assess the credit history, the capability to repay the loan, and evaluate the financial status.

Going directly to a bank may be beneficial because of its stability and good reputation as a money lender. Also, you don’t have to pay an appraisal fee. However, getting all the requirements done by yourself is complicated and takes a lot of time. Moreover, loan officers may not give you a variety of options and may offer you a higher interest rate because they work for a specific bank. Meaning you wont necessarily get a good deal.

 

Hiring a Mortgage Broker

Mortgage brokers work as a connector between a mortgage lender and a borrower. They do most of the work in the mortgage process – find the best lender with the best deal and complete all the required documents to be submitted. They act both as your concierge and financial adviser. They are well aware of the entire mortgage market. They have various bank and private lender connections. If you want to get the best mortgage deal, whether from a bank or a direct lender, then just talk to your broker. If you want the mortgage process to be easy and fast, hiring a mortgage broker is your best bet.

Finding a Direct Mortgage Lender

For newly self-employed individuals who can’t provide a third-party validation, private lenders may be the best option. Qualifying for a loan is easier with this type of lender than that of the bank. This is because direct lenders do not care much about a person’s credit rating. What they really consider is the amount and location of the property to be mortgaged.

 

If you want to own a small-scale investment such as a condominium or if you want to redesign and polish a foreclosed property, then just borrow private funds instead of dealing with a bank’s stringent parameters. If you were denied by a bank of your first mortgage or your mortgage renewal, then you have no choice but resort to direct lenders.

 

Private funds may be very beneficial as fast cash but they are not ideal as long-term loans. That is because of their very high interest rates (can get as high as 20%), and additional costs such as appraisal, legal fees, mortgage broker fees and legal fees.

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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