As personal mortgage consultants we are not your typical 'suit and tie' that makes you feel uncomfortable while staring at you across an imposing desk. Most mortgages can be first arranged with a phone call or over a coffee. We will arrange your mortgage application in the most presentable manner possible to lenders. We will argue your cause and negotiate to get you the very best rate - which is usually better than any of the 'best-posted' rates you'll see anywhere.
For all conventional residential mortgages NO fee is charged to you. This is possible because your mortgage broker earns a referral fee paid by the lender. In specialty mortgages such as commercial, private placements, equity or bridge loans, lender or consultant fees may be charged.
But, if such were the case any fee would be disclosed and discussed before any work commenced. As mortgage consultants we have access to every major lending institution in Canada. This competitive network of lenders breeds lower rates on mortgages, which means big savings for you.
It is important to realize that all mortgages are not created equal. Just because the interest rate may be the same it doesn't mean it is the same mortgage document. It is our job to determine what else is important to you: lower payments, greater frequency, amortization reduction, pre-payment options and flexibility, to name just a few. Perhaps there are lenders that have programs you are unaware you qualify for, such as self-employed, stated income, no money down, or new Canadian. There is only one way to find out!
Many people have experienced some challenges, be it credit or employment, and are unaware that they qualify for a mortgage. You may be eligible even if:
The first thing you should do is take advantage of speaking to a mortgage consultant.. The advice is free! This is great help in deciding the direction you should take when it comes to arranging for a new home purchase, mortgage renewals, house refinance or a new debt consolidation loan. We have access to all mortgage loan products, including second mortgages, home equity lines of credit, secured credit cards, equity take-outs and reverse mortgages.
Home Refinance 1st or 2nd Mortgages Home Equity Loans Reverse mortgages |
Good or Bad Credit Debt Consolidation Self Employed Bank Said "No" |
Equity Based Lending Venture Capital 1st & 2nd Commercial Refinancing |
Retail & Office Development Construction Land & Industrial |
Rebecca Awram, BA
Mobile Mortgage Expert
Serving Vancouver and All Surrounding Areas
Direct 604.614.2382
Fax 604.463.7886
rebeccaawram@homenwork.com
www.communitylendingcentre.com
Head Office:
#200 - 5050 Kingsway
Burnaby, B.C.
V5H 4C2
