We take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you.

We work with multiple lenders and we can provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers

We make sure our clients get the best support from our staff. We will walk you through the whole mortgage process and ensure your transactions close smoothly.

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See a detailed description of different loan types and programs that will help you decide which is best for you. We have put together some calculators to help you make sense of the numbers.

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Getting The Best From Your Home Mortgage

Picking the right mortgage in one way is almost deciding how a majority of your life’s finances is going to work out. A mortgage is a big undertaking, and should not be pursued without all of the information that is required. Continue reading to learn more about home loans so that you can make good decisions about a home loan.

During 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. Any furniture buying, as well as any other expensive item or project, needs to wait until your mortgage contract is signed and a done deal.

If there are changes to your finances it can cause a delay or even cause the lender to deny your application. Avoid applying for mortgages without a secure job. You shouldn’t get a different job either until you have an approved mortgage because the mortgage provider is going to make a choice based on your application’s information.

For the house you are thinking of buying, read up on the past property taxes. You should know how much the property taxes will cost. Avoid being unpleasantly surprised with a higher than expected tax bill because your property is assessed at a much higher value.

Try to find the lowest available interest rate. Banks want you to pay a high interest rate. Don’t fall victim to this. Compare rates from different institutions so you can choose the best one.

Get full disclosure, in writing, before signing for a refinanced mortgage. This will itemize the closing costs as well as whatever fees you are responsible for. While most companies are forthcoming up front about everything they will be collecting, some may hide charges that you won’t know about until it’s too late.

Make certain you check out many different financial institutions before you choose which one you will use as your mortgage lender. Ask family and friends about their reputation, their rates and about any of their hidden fees they have in their contracts. When you know each one’s details, you can choose the best one for you.

Understand how interest rates will affect you. The interest rate determines how much you will end up spending on your mortgage payments. Figure out what the rates are and know what they’re going to cost you monthly and overall when all is said and done. You should do everything you can to get the lowest rate possible.

Figure out the mortgage type you need. Not all mortgages are the same. When you know the various kinds, you can compare and contrast them so that you are sure to get the best fit for your own needs. Speak to as many home lenders as possible to find out what all of the available options are.

Investigate any potential lender before doing business with them. You may not be able to trust the lender’s claims. Ask around. Look on the Internet. Contact your local Better Business Bureau and ask them about the company. You have to know as much as possible before you apply.

If you get denied at a bank or a credit union, consider a mortgage borker. Many times a broker is able to find a mortgage that will fit your circumstances better than traditional lenders can. They do business with a lot of lenders and can give you guidance in choosing the right product.

You need to fully understand how much you will be spending on mortgage payments and other fees before entering a mortgage agreement. Commission fees, closing costs and other fees will be attached to the actual cost of the loan. You can negotiate some of these terms with your lender or seller.

Have a healthy and properly funded savings account prior to applying for a mortgage. You need to show cash reserves available for your closing costs, your down payment and other related expenses. If you are able to afford a substantial down payment, you’ll save yourself thousands down the road.

In a tight lending market, keeping your credit score high is key to getting a good mortgage rate. Get three separate credit reports and make sure their information is correct. Any credit score that is lower than 620 is usually denied.

The mortgage interest rate you secure is vital, but there are other factors to consider. Fees tend to vary from lender to lender. Think about the points, kind of loan and closing costs that they are offering you. You need to get a lot of quotes from different lending institutions that are different before making a decision.

Don’t get overly relaxed after you apply for a home loan. Avoid making mistakes during this period that will harm your credit score. The lender may check your score again before making the final loan terms. If they don’t like what they see, the loan can be cancelled.

Getting a mortgage without much of a credit history is more difficult and requires you to provide alternative information to get your loan. Keep payment records for up to a year. Proving a steady record of paying utilities and rent is good for borrowers who have poor credit.

Better Business Bureau is a good place to check out a mortgage broker before you make your final choice. Brokers that are out there to rip people off may try to make you pay fees that are too high or just generally rip you off to make money. If a lender tries to get you to pay fees that are higher than what seems normal, be leery.

Don’t quit a job while closing a mortgage. Changing jobs is reported to your lender, and it may delay your mortgage closing. They may pull out completely because they don’t know if your financial future is stable.

To find a great mortgage, you have to use your new knowledge. Don’t let the huge amount of knowledge available to you overwhelm you. Rather, let the knowledge be your road map to mortgage success.