If you are buying your first home or refinancing your present home, mortgage brokers Unionville can help you with your mortgage. Mortgage brokers Unionville have knowledge of the local real estate market, access to real estate agents and lawyers. Unionville mortgage brokers act on your behalf to make the mortgage process as smooth as possible.
Most Unionville mortgage brokers have access to a limited number of lenders, usually less than 20. In comparison our company has access to well over 50 lenders. We have over 25 years of experience and we have access to a large number of private lenders, this increases the chances of getting a mortgage. Any good mortgage broker should have a large variety of lenders so you can get a competitive rate. You should feel comfortable with your broker. We take the time to get to know you and find out your needs and wants. We will treat you with respect and work to get you the best mortgage deal possible. If you have any questions throughout the term of the mortgage you can call us.
Below are some questions that a mortgage brokers Unionville will ask you, so that they can quickly tell you if you qualify for a mortgage.
– What is the value of your home or property?
– Do you have any mortgages or liens on the property and if so how much?
– Do you know what your present credit score is?
– Where do you work, how long have you worked there?
– Are you self-employed and what is your income?
It is recommended that every client take the time to read and understand all the terms and conditions written in the mortgage so that there is no confusion. Most first and second mortgages the terms are standard but there are terms that are open to negotiation. They include a 3 month termination penalty and NSF charges. A Unionville mortgage broker can advise you on which terms may open to negotiations.
Options such as a fixed or variable mortgage are available as well as interest only payment plans. The length or term of the more is usually five years for a first mortgage and one year for a second mortgage. Interest rates will depend on a number of different factors such as the loan to value of the property.
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Mortgage brokers Unionville will provide you with a free consultation, within a matter of minutes you will know whether you qualify for a mortgage and when you can have the money, so why not call today.