Mortgage Broker

Whether it is your first house, or hundredth house, we are here to represent you as part of your professional team to give you the best possible home buying experience.

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We give employers a way to offer their employees access to a dedicated team of real estate advisers. We customize a valuable benefit plan that further enhances your company’s benefits package.

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With 25 years of experience we provide you with knowledgeable, quick and direct answers to any of your questions

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Calgary Mortgage Broker

Loans that are ideal for borrowers with average to excellent credit.

Getting you the best mortgage rates  Experienced Mortgage Brokers Making a Difference  GET THE BEST MORTGAGE
First Time Home Buyers
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When applying for a home loan your credit score and debt-to-income ratio play a large role in determining your mortgage costs. We are here to help you get your credit on the right track.

We are committed to professional service with personal care. Whether a first time home buyer, purchasing your dream home, refinancing or consolidating debt, our experience can help find the right loan.

Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

We do not require you to complete an application or to have us run your credit report to provide you with a free estimate.

Your mortgage should serve you not just now, but for the entire time you own your home. We are here to follow up with you and make sure that it does.

Whether you decide to take out a second mortgage to buy another home or you want to refinance, we will help you to achieve your housing and financial goals.

We look forward to helping you with any future mortgage needs you may have. Our goal is to provide you with superb service and expertise.

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Purchasing or refinancing a house can be a big task.

You can trust us to help you locate the loan program that's perfect for you.

Have Questions About Home Mortgages? Get Answers Here

Mortgage Rates Calgary 2019Are you in a situation where you’re wanting to secure a home loan but think it won’t happen? Don’t worry, this is something a lot of people are dealing with. Lots of people fear they will never get the loan approval they need. That’s why this article was written. Read on for helpful advice on getting a home mortgage approved.

Prepare for a new home mortgage well in advance. If you want a mortgage, get your finances in order right away. This means building upon your savings and organizing your debts. Lack of preparation could prevent you from being able to purchase a home.

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Prior to applying for a mortgage, you need to know what is in your credit report. The new year brought tighter credit standards, so improve your credit rating so that you have the best chance to get qualified for the best loan products.

Keep the lines of communication open with your lender, no matter how bad your financial situation may get. Don’t give up just because your finances are dire – your lender will want to work with you, if you talk to them about the situation. Give them a call to find out what you can do next.

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Mortgage Connection CalgaryDuring the pre-approval process for the mortgage loan, avoid going on any costly shopping sprees while waiting for it to close! If a lender notices lots of charging activity before your mortgage is a done deal, they could change their mind about lending to you. Wait until after the mortgage is a sure thing to make any major purchases.

Adjust your budget so as to not pay out more than a third of your monthly income to a mortgage note. Otherwise, you run the risk of putting yourself into a financially devastating situation. If you maintain manageable payments, your budget is more likely to remain in order.

Best Mortgage Brokers CalgaryMake sure that you collect all your personal financial documentation prior to meeting a mortgage lender. Some of the paperwork you’ll need includes your recent pay stubs, tax forms and bank statements. Being prepared well in advance will speed up the application process.

Ask around for advice on home mortgages. Chances are that they will be able to give you advice about things that you should look out for. Some may share negative stories that can show you what not to do. When you talk to more people, you’re going to learn more.

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Interest rates must be given attention. Getting a loan does not hinge on interest rates, but it does factor into your ability to afford it. Know what you’ll be spending and how increases or decreases affect your loan. If you don’t mind the details closely, you can easily wind up with a bigger loan than you need or can afford.

Mortgage Renewal CalgaryWhen a mortgage lender analyzes your financial picture, they will look at your credit cards to see how big a balance you carry on each one. If possible, keep all your balances under half of the limit on your credit. If you’re able to, balances that are lower than 30 percent of the credit you have available work the best.

Explore entities other than traditional banks when seeking a mortgage. For instance, borrowing from loved ones can help you, even with just down payments. A credit union may be able to give you a great rate. Be sure to consider all of your options when shopping for a mortgage.

In order to qualify for a mortgage with favorable terms, your credit score must be high. Get familiar with yours. If there are errors on your credit report, you must report them. Pay off small debts faster by consolidating them into one account with a low interest rate.

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Make sure your credit report looks good before applying for a loan. Lenders and banks are looking for people with excellent credit. They need you to provide some incentive so they can be confident of your ability to repay your loan. Make sure you have as good a credit score as possible before applying for a home loan.

Mortgage Rates Calgary 2018Having an approval letter will show to the seller that you are interested in buying a home now. It shows that your financial background has been checked out and you are ready to go. However, you need to make sure the amount shown in this approval letter is the same as the amount you offered. If the letter of approval is for more, then it indicates to the seller that you are able to, in fact, pay more.

If you plan to buy a new home within a year or two, build a sold relationship with your bank or credit union. You may even want to finance a car or take out a loan for home furnishings, and make sure to stay current with the payments. This puts you in good standing with them ahead of time.

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Don’t rush into a loan; rather, take your time to get the best possible deal. There are actually certain months and seasons where getting a loan is better for you. You might find better deals due to new legislation or when a new company opens up. Remember that good things really do come to those who wait.

Mortgage Architects CalgaryYou don’t have to work over your file again if you have gotten denied by your lender because you can just get another lender to serve you. Maintain your records just as they are. You probably aren’t at fault and you need to know a lot of lenders are going to be picky. Although you might have superior qualifications compared to other people.

The rates that you see posted at the bank are only guidelines and not the set rates. Shop around at a competitor lender. If they offer a lower interest rate, take it back to the first one to see if they will match it. Often they will, saving you thousands over the life of the loan.

Owning a home is a common goal of many, but it isn’t possible for everyone. That said, this isn’t the only outcome available to you. If you use the tips mentioned here, you can better prepare yourself when you search for your dream home!