Why Choose us

100 % Transparent.
Completely Honest.

  • Upfront disclosure of fees and costs
  • Clear explanation of rates and terms
  • Transparent lender comparisons
  • Open communication
  • Honest financial assessments
  • Conflict of interest disclosure
  • Unbiased advice
  • Regular status updates
  • Plain language terms
  • Broker compensation transparency

Clients Interest First.

  • Prioritize client needs
  • Tailored, unbiased advice
  • Active listening
  • Transparent communication
  • Conflict of interest disclosure
  • Client education
  • Advocate for best terms
  • Integrity and ethics
  • Long-term client relationships
  • Act on client feedback

Technology Driven

  • Electronic signature software
  • Online Document Collection
  • Customer Relationship Management
    (CRM) software

Highlighting Competitive Rates:

  • Access to wide lender network for best market rates
  • Volume discounts passed to clients
  • Regular rate updates
  • Transparent multi-lender rate comparison
  • Rate negotiation on client's behalf
  • Special promotional and limited-time offers
  • Rate matching/beating policies
  • Exclusive broker-only rates
  • Tailored rate options for individual profiles
  • Competitive rates for conventional and alternative lending

Professional.

  • Licensed and regulated
  • Ethical standards adherence
  • Ongoing professional development
  • Fair client treatment
  • Regulatory compliance
  • Clear role communication
  • Confidentiality maintenance
  • Unbiased recommendations
  • Integrity in dealings
  • Organized application handling
  • Updated on industry trends

Expertise

  • Extensive mortgage knowledge
  • Strong lender relationships
  • Successful approval track record
  • Expertise in complex situations
  • Skilled negotiators
  • Regulatory understanding
  • Tailored solutions
  • High customer satisfaction
  • Continuous training
  • Efficient process handling

Commonly
asked questions

What does a mortgage broker do?

A mortgage broker helps you find and secure the best mortgage loan for your needs by comparing different lenders and products.

Why should I use a mortgage broker instead of going directly to a bank?

Mortgage brokers offer access to a wider range of loan products and can often negotiate better terms and rates on your behalf. Mortgage Process

How long does it take to get approved for a mortgage?

The approval process can take anywhere from a few days to several weeks, depending on the complexity of your financial situation and the lender's requirements.

What documents do I need to apply for a mortgage?

Typically, you'll need proof of income, employment verification, credit history, bank statements, and identification.

Can I get pre-approved for a mortgage?

Yes, getting pre-approved can give you a better idea of how much you can borrow and make you a more attractive buyer to sellers. Rates and Fees

How are mortgage interest rates determined?

Interest rates are influenced by factors such as the economy, your credit score, loan amount, and the type of mortgage.

What fees are associated with getting a mortgage?

Common fees include application fees, appraisal fees, origination fees, and closing costs. We disclose all fees upfront. Types of Mortgages

What types of mortgages are available?

We offer various types of mortgages, including fixed-rate, adjustable-rate, FHA, VA, and jumbo loans.

What is the difference between a fixed-rate and an adjustable-rate mortgage?

A fixed-rate mortgage has a constant interest rate for the life of the loan, while an adjustable-rate mortgage has an interest rate that can change periodically.Client Support

How do you ensure my interests are prioritized?

We provide unbiased advice, transparent communication, and tailor our services to meet your specific needs.

How often will I receive updates on my mortgage application?

We provide regular updates throughout the process and are always available to answer any questions.Professionalism and Expertise

Are you licensed and regulated?

Yes, we are fully licensed and regulated by the Financial Services Regulatory Authority (FSRA).

What makes your team qualified to handle my mortgage?

Our team has extensive knowledge, strong lender relationships, and a proven track record of successful mortgage approvals.

Book a 15-minute
intro call

Schedule Now

Prefer to email? support@honestmortgages.ca