Here is some information that may help you understand a little more of how I help my clients:
I work with Canada’s leading Financial Institutions including Banks, Trust Companies, and Credit Unions. Due to my existing relationship with these lenders, they provide me with exceptional rates, fast turnaround times and flexibility with approvals. When you let me help you to find you the very best mortgage, and negotiate on your behalf, there is no cost to you. The lender pays me a fee for finding and bringing them the business. Remember it saves them from the cost of additional employees in wages, vacations, training cost, office space, and benefits. So, there is no cost to you, and I only earn a fee if I arrange the mortgage for you. The Fee is the same regardless of what lender I choose and it is not built into the rate. Some of our lenders specialize in providing mortgages for clients who are self-employed, contract employees, have seasonal income, have trouble proving income, or lack some of the standard documentation. We have seen all situations and are experienced in getting the unconventional mortgages approved. Many consumers think their bank will automatically give them the best rates because they have been loyal customers for many years, have multiple accounts with them or have high account balances. That kind of thinking has cost many clients thousands of dollars in unnecessary interest. I am a fully licensed mortgage professional and am governed by BCFSA, the BC Financial Services Authority. The safety and security of your personal information is of utmost importance and all discussions, documentation and file management are completely confidential at all times. Often clients make the time consuming mistake of going to multiple lenders themselves attempting to negotiate the best rates. Each time a Financial Institution pulls your credit report, your Beacon score actually drops. Sometimes, the very exercise of trying to find the most competitive mortgage actually disqualifies you from qualifying. We forward your credit report electronically to our lenders so that it isn’t pulled over and over. We can use the same report for up to 90 days! If you, like so many other Canadians, have high interest credit card debt, department store debt, line of credit debt or other outstanding payments, want to purchase your next (or first) investment property, or want to take advantage of your existing equity to make other investments, now might be the ideal time to refinance your existing mortgage and consolidate it all into one simple payment at the lowest rates of all time. This consolidation can sometimes reduce your monthly payments by more than a thousand dollars per month. I would be happy to calculate the saving for your specific situation. I am your trusted mortgage expert and I work for you, not the banks. It’s my job to provide you with timely, expert advice and make certain my clients have the very best mortgage products for their specific situation. Your business is very important to me! Contact me for a complete mortgage review at your convenience. I am never too busy for your referrals and will take amazing care of anyone you think who may find my services valuable. Jill Couture
604-809-0590
[email protected]
Jill Couture
Indi Mortgage “The Independent Mortgage Company”!
