A mortgage broker acts as a middleman between you and multiple lenders to find the best mortgage rates and terms that suit your needs. Unlike banks, we have access to a variety of lenders, giving you more options and often better deals.
The minimum down payment depends on the home's purchase price:
A pre-approval gives you a clear idea of how much you can borrow based on your income, credit score, and debt. It also locks in an interest rate for up to 120 days, helping you shop with confidence.
Lenders consider factors like your credit score, income, employment history, and debt load. Working with a mortgage broker gives you access to competitive rates from multiple lenders.
Yes! Some programs that may help include:
You might refinance to:
About 3-6 months before your mortgage term ends that when we will start discussing your new goals and plans. We can then start shopping around and see who has the best rates out there and what we will do.
Most lenders prefer a credit score of at least 620 to have access to all of the prime lenders they like to see a score of at lease 680, but some will approve borrowers with lower scores, especially with a larger down payment.
Yes! While self-employed applicants may need to provide additional documentation, there are lenders who specialize in working with business owners and freelancers.
Get in touch! I'm happy to help guide you through every step of the mortgage process.
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