Mortgage Broker Services Aspen Trails, Sherwood Park
It’s not just a house. It’s your home. Crafting Bespoke Mortgages With Care.
Helping Busy Humans In
Aspen Trails, Sherwood Park
Getting a mortgage for your first home (or your next home), renewing or refinancing your mortgage or consolidating your debt has never been easier. I help people in and around Aspen Trails, Sherwood Park with their mortgage needs.
I'm not your typical Aspen Trails mortgage broker
As a trusted professional Sherwood Park mortgage broker, I offer customized mortgage products and services, in terms you can understand.
With personal unbiased advice and access to over 40 different lenders I could save you some serious dough! Best of all - my services are offered at no cost.
I've changed Aspen Trails mortgages for the better, so you can worry less and live life to the fullest.
How It Works
I take an intimidating process and make it an exciting—and easy—one.
Start with our quick online application
I'm Ready To Get Started!
I Find A Loan
Once I have your application + income docs in the secure portal, I work my magic to find the right loan for you.
You Got This
I give you updates along the way and before you know it you’ll be celebrating a successful close.
I am known for a stress-free and painless process for buying or refinancing your home in Aspen Trails, Sherwood Park.
See my "Applause-O-Meter" where clients and partners make me blush
Why using me as your trusted Aspen Trails Mortgage Broker is a great decision
Rate is what most borrowers focus on so we’ll start here. It’s good to get a quote from both your bank AND a reputable broker (ahem!!) to make sure you’re getting a good rate. Banks usually don’t offer competitive rates unless the borrower is moving a lot of cash deposits to the bank. I don't work for any lenders (I only work for you), which gives me the benefit of being able to pick the best rates across loan products from many banks. I have access to over 40 different lenders so that puts you in the driver's seat.
It’s not just about the interest rate. After all, what good is a low rate if the lender can’t actually follow through with the loan? Generally, with the big banks, borrowers need to fit in one of their “boxes” in order to get a home loan. So if you have less-than-perfect credit or unconventional employment (ex: own your own business) banks may not even consider you…or even worse the loan might get disqualified after you've made an offer to purchase.
I get docs upfront before providing a pre-approval so that you know you're on solid ground when you start house hunting. This also streamlines the approval process and decreases the lender turnaround time.
Also, keep in mind that employees at banks have varying levels of mortgage experience…and the borrower doesn’t really get to decide who works on their loan. Compare this with how you can pick a mortgage broker: based on past client reviews, years in the business, and their overall reputation. You can go as far as handpicking the right person for your exact home loan situation. That’ll never be the case when it comes to the loan officer that a bank ends up assigning you.
Turn times at banks typically aren’t quick, which can make your offer less attractive to sellers. In many cases, it can be a nonstarter when the seller a) has multiple offers or b) has an agent that has lost a deal to a bank loan officer foul-up…and unfortunately these disaster stories are common. Talk to your real estate agent if you are unsure if a pre-approval from a big bank could disqualify your offer BEFORE you lose your dream home.
Most banks use older systems and processes, which result in more of the borrower's time being needed throughout the loan. It’s also one of the reasons behind that “speed” problem I mentioned above. Lastly, it’s why I recommend buyers who go with a bank for their mortgage, stock up on printer toner cartridges (is e-sign too much to ask for nowadays?!). Banks also aren't the most flexible when it comes to their availability. I have flexible scheduling to meet my clients' needs - including evenings and weekends.
So here’s my honest, entirely biased recommendation on whether to go with a Mortgage Broker or a Bank. Unless your bank is able to offer a significantly lower interest rate, I recommend minimizing your stress and using a mortgage broker. And whenever in doubt, research reviews (ahem!) of your mortgage provider. It will give you some much-needed peace of mind as you navigate your home purchase. If you are considering getting a mortgage, don’t hesitate to reach out!