A: Mortgage brokers work with various lenders and can offer you a broader range of lending options. We simplify the process, comparing rates, terms and programs from different institutions to find the best fit for your unique needs.

A: Our expertise can save you time and money. We navigate the complexities of the lending landscape, provide personalized advice, and handle negotiations on your behalf.

A: Our services are typically free for the borrower. We are compensated by the lender.

A: We'll need details about your income, employment, credit history, and the property you're interested in. Gathering this information upfront helps us tailor our advice to your specific situation.

A: The minimum down payment starts at 5% of the home's purchase price up to $500,000.

10% for the portion of the purchase price above $500,000 to $999,999

20% of the purchase price $1 milion or more

A: Your mortgage interest rate is influenced by factors such as your credit score, the size of your down payment, and the current market conditions.

A: Yes, it’s always recommended to get pre-approved. It provides a clear understanding of your budget, helps in negotiations, and shows sellers you're a serious buyer.

A: Yes, programs like the First-Time Home Buyer Incentive and the Home Buyers' Plan can assist eligible individuals. We can guide you through the application process.

A: Closing costs may include legal fees, property transfer tax, appraisal, utilities, insurance, moving costs, and home inspection fees.

A: From the initiation to completion of your mortgage application, our dedicated team manages every detail, ensuring a seamless and efficient journey. This approach allows us to focus on building relationships with our clients and referral sources while the team handles the complexities behind the scenes.