"Why Me?" asked the Mortgage Broker, "let me tell you."

To Bank or Not To Bank, that is the question.

Hobbits not included.

You found your dream house. Now you want to take the leap and buy it. Time for a mortgage and what's your first thought? Your bank, of course. You've been giving them your money for years, why wouldn't they want to return that loyalty by giving you hundreds of thousands of dollars so you can buy your dream house?

But did you know that your bank rarely gives you the best rates and products? Most homeowners prefer the convenience of renewing their mortgage every four or five years automatically without shopping around, so they rarely receive the best rates and programs. It's like how your telecommunications company offers great deals for 'new customers only', while their current customers still pay premium rates, despite their loyalty. If they already have your business what's their incentive to offer you the best mortgage out there?

I am a certified Expert, so says the fancy piece of paper I paid for through studying and becoming better informed of the Canadian mortgage industry. Since I send lenders millions of dollars of new business each year, they offer us deep discounts which I pass that on to you - whether you are purchasing, refinancing or renewing.

Most bank employees only know about their own bank’s products and cannot advise you to go to another lender. To put it simply, I work for you, not the banks. I don’t get paid unless I fund your mortgage with a lender that is giving you the product you need. I have no intention in choosing a lender that charges more interest on your mortgage as the higher the interest, the lower the amount you qualify for. That's clearly not in your interests.

My services are free to you as the bank pays me a finder’s fee. Banks have to compete for business so they value our referrals. Keep in mind, Big Banks continue to make record profits yearly; they can afford to offer deep discounts for the business we bring to them. I shop the best rates and products from 90 different Banks, Credit Unions and TD Canada Trust, CIBC (First line), Scotia, Bank of Montreal, Royal (Merix), and most of the Canadian Credit Unions.

Isn't it time the Banks compete for your mortgage business? why get just one opinion when your financial condition is going through the most significant transaction of its life?

There’s a mortgage product available for almost everyone now. When a person’s situation isn't ideal, there’s usually a story about why; maybe they changed jobs, maybe they went through a divorce or another life altering event and their credit was affected. It is my job to tell your story to the best lender for your needs.

Did you also know that many people inadvertently disqualify themselves from getting the best rate when they are shopping for a mortgage? When multiple banks pull a credit bureau report, your Beacon score drops every time, sometimes eliminating the chance for the best mortgage or a mortgage at all. I am able to take one credit report only and forward it to all the lenders. Plus, with a pre-approval, you are guaranteed rate protection. If the rates drop before you close you automatically get the lower rate and if rates go up you have the lower rate locked in for a set period while you continue to shop.

My application process is simple and usually takes less than an hour.  I’ll just take a little info and send it electronically to the lenders that I feel are the best fit for your situation.

I’m available on your terms at nearly all times of the day. I am accessible via phone, email or text and with few exceptions will get back to you by the end of the night. No 'banker hours' or 'computer directories'.  Just prompt, human service. 

Add a quick 'tich-tich' sound with your voice for maximum effect

Lastly, I would truly appreciate your business. I want to do a good job for you because I want all your family and friends business in the future. My business is built on referrals and that is my ultimate goal - to ensure that you have the best mortgage moving forward. 

So why not email me at your convenience and we'll get the ball rolling.

through here or www.jayroyston.ca