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Top 5 Reasons to Work with a Mortgage Broker

Top 5 Reasons to Work with a Mortgage Broker

When it comes to buying a home, the process can feel incredibly exciting but also overwhelming, especially to first-time home buyers and those with unique circumstances.

Aside from hot markets and tight timelines, you are faced with many decisions such as: what type of home do I want; which part of town should I live in; what Realtor should I work with; and, most importantly, who will lend me the money to fund the purchase.

Although there are many decisions to be made, you can make it easier on yourself by choosing to consult a Mortgage Broker. Here are my top five (of the many) reasons you should work with a Mortgage Broker.

  1. Unbiased advice with more lending options Mortgage brokers are independent which means you will receive objective, expert advice. With one application you gain access to a wide range of mortgage products. I work with banks, credit unions, monoline lenders, and private lenders - comparing multiple lenders to find the mortgage with the best rate and terms that fit your needs. We will discuss options like fixed rate vs variable, high ratio vs conventional, as well as prepayment privileges and how to pay your mortgage off faster.

  2. Saves time The mortgage application process is easy and quick. I will do the legwork to find the most appropriate mortgage solutions and provide you with options and rates that will be most relevant and beneficial to your situation. The process of finding the right mortgage is simplified which reduces your time investment.

  3. Protects your credit score One credit history request provides accessibility to multiple lenders. This is important because too many lenders asking about your credit in a short period of time can lower your credit score.

  4. NO COST services There's absolutely no charge for my services on typical residential mortgage transactions. When we determine the lender that suits your needs, they pay me a commission.

  5. Unparalleled personalized service I'm here to help make the biggest purchase of your life easier. I work for you, and I care about your success. With availability during the daytime, evenings, and weekends, we can schedule phone calls, in person meetings, or zoom meetings at your convenience! You will receive guidance throughout the process, from pre-approval to closing. The peace of mind and confidence of knowing that you have a professional working for you will alleviate stress and worries that may arise along the way.

Beyond these reasons, mortgage brokers provide a service that can save you thousands of dollars by matching you with the appropriate mortgage product. There are a number of very important decisions to be made to align your homeownership goals with your financial goals. Having a mortgage broker on your team to walk you step-by-step through the process, will help to ensure a seamless, worry-free experience. We are all unique, and have different life circumstances, and it is my belief that there is a mortgage solution for anyone that wants to be a homeowner.

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