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Make sure your lender passes this test BEFORE you give them your business.
12 Critical Questions to Help You Choose The Right Mortgage. My name is Anita. As an independent mortgage agent, I work for you NOT the banks. This checklist is just one of the ways I can help you get a better deal on your next mortgage, refinance or renewal. Before you pick up the phone to call a lender, give some thought to your financial situation and needs, both today and in the future. No lender can provide the best mortgage advice without understanding the following; • How long are you planning to live in this home? • How are your finances likely to change over the next few years? • Which are you more comfortable with: mortgage payments that always stay the same OR payments that fluctuate? • How soon would you like to be mortgage-free? • When will your children be entering college or university? • When are you thinking of retiring? OK, now that you have your needs and goals in mind, you’re ready to start making some calls. As I said, any responsible lender will ask you a lot of questions in order to narrow down the options and select the right mortgage for you and your family. But if you want to make sure you’re getting the very best advice—after all, that’s exactly what you deserve!—you have to ask some questions too. Today’s mortgage market is very complex, with more choices than ever before, innovative new features being introduced every day, and unexpected conditions and fees hidden in the fine print. The best way to protect yourself is to go through every item on this checklist with each lender BEFORE you go any further. 1) Will you give me a detailed outline of the costs associated with my mortgage? 2) Can you give me an estimate of my closing fees? 3) What’s the minimum down payment for this loan? 4) Would you recommend a closed mortgage or an open mortgage? 5) Is there a prepayment penalty on this loan? 6) What documents will I need to provide? 7) What are the qualifying guidelines for this loan? 8) How long does it take to process a loan? 9) What are some of the things that could slow the approval process? 10) What if my information changes before the loan is funded? 11) Can I contact any of your existing clients? 12) Will you help me prepare a monthly budget? Use this checklist for each lending institution you contact, whether you speak over the phone or in person. It’s a good idea to do all this research on the same day since mortgage rates can fluctuate daily. Be sure to record the company name, contact name, type of mortgage quoted, interest rate, etc. along with all the answers to the questions. OR … You could let me take care of everything for you AND end up with a better advice! If you have the time, energy and patience to do this research on several different lenders, you’ll likely end up with a reasonably good mortgage. But if you want the ABSOLUTE BEST mortgage for your specific situation and goals, why not get professional help? As an independent mortgage agent, I have access to dozens of lenders and hundreds of mortgages AND I know exactly what to look for. After analyzing your needs, I can shop the market for the rate and features that will achieve everything you want, at the lowest possible cost. I hope you’ve found this checklist useful. It gives you a really good idea of what’s involved in getting the right mortgage. If you choose to use this checklist to do it yourself, I’m glad I’ve been able to provide assistance. However, if you’d like to make the whole process faster and easier, please call me to set up your FREE no-obligation consultation. I’ll sit down with you, analyze your requirements and set up a program tailored to your goals. Call me today! Sincerely, Anita Sparre Mortgage Agent (Licence #: M13000733) CENTUM Way2Save Inc. (Licence #: 12010) C: 905-462-2640 Email: firstname.lastname@example.org Independently owned and operated Looking out for your best interest®