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Mortgage Consultant

Conseiller en financement hypothécaire

Find the mortgage you are looking for with Holly Moes, Invis in North Vancouver, British Columbia. Languages: English, French

Holly Moes, Mortgage Professional, part of the Invis in North Vancouver, British Columbia

Trouvez l'hypothèque que vous recherchez avec Holly Moes, Invis à North Vancouver, Colombie-Britannique. Langues : Anglais, Français 

Holly Moes, Courtier hypothécaire, faisant partie de Invis à North Vancouver, Colombie-Britannique

<h3 class="editor_h3" dir="ltr" style="text-align: left;">First time homebuyers pursuing a mortgage in BC: What to do?</h3>Buying your first home is a big and exciting milestone, but it can also be overwhelming and stressful, especially if you're not familiar with the real estate market and mortgage process in BC, Canada.As a first-time homebuyer in BC, you may have many questions about how to find the right home, how to qualify for a mortgage, and how to navigate the legal and financial aspects of home ownership. That's why it's a good idea to work with a mortgage broker who can guide you through the process and help you make informed decisions.Here are some tips for first-time homebuyers in BC:<ul><li value="1" class="editor_listItem" dir="ltr">Determine your budget:&nbsp;Before you start looking at homes, it's important to know how much you can afford to spend on a mortgage. Your budget will depend on your income, expenses, debt, credit score, and down payment. A mortgage broker can help you evaluate your financial situation and find a mortgage product that suits your needs and budget.</li><li value="2" class="editor_listItem" dir="ltr">Get pre-approved for a mortgage:&nbsp;Getting pre-approved for a mortgage is a smart way to show sellers that you're a serious buyer and can afford their home. A pre-approval also gives you a clear idea of your mortgage budget and interest rate, so you can shop for homes with confidence. A mortgage broker can help you get pre-approved for a mortgage, and guide you through the application process.</li><li value="3" class="editor_listItem" dir="ltr">Work with a real estate agent:&nbsp;A real estate agent can help you find homes that match your criteria, negotiate with sellers, and handle the legal and paperwork aspects of the home purchase. A mortgage broker can refer you to a reputable and experienced real estate agent who knows the local market and can help you find your dream home.</li><li value="4" class="editor_listItem" dir="ltr">Take advantage of first-time homebuyer incentives: The Canadian government offers several incentives for first-time homebuyers, including the Home Buyers' Plan (HBP), the First-Time Home Buyer Incentive (FTHBI), and the GST/HST New Housing Rebate. These programs can help you save money on your down payment, reduce your mortgage payments, or get a rebate on your new home. A mortgage broker can help you understand these incentives and how to apply for them.</li></ul>Working with a mortgage broker can provide many benefits for first-time homebuyers in BC, including:<ul><li value="1" class="editor_listItem" dir="ltr">Expert advice:&nbsp;A mortgage broker is a licensed professional who specializes in mortgage financing. They have in-depth knowledge of the mortgage market in BC, including interest rates, lender policies, and qualification requirements. They can provide you with personalized advice on the best options for your financial goals, budget, and credit score.</li><li value="2" class="editor_listItem" dir="ltr">Access to multiple lenders:&nbsp;When you work with a mortgage broker, you're not limited to a single lender or mortgage product. Brokers have access to a wide range of lenders, including banks, credit unions, and private lenders, and can help you compare and negotiate the best rates and terms for your financing. This can save you time and money and increase your chances of getting approved for a mortgage. Unlike banks, mortgage brokers work for you, not the lender which means they can give you unbiased advice.</li><li value="3" class="editor_listItem" dir="ltr">Convenience:&nbsp;Securing a mortgage can involve a lot of paperwork, research, and communication with lenders. A mortgage broker can take care of all these tasks for you, saving you time and hassle. They can also meet with you in person, by phone, or online, whatever works for you.</li><li value="4" class="editor_listItem" dir="ltr">Cost savings:&nbsp;Working with a mortgage broker doesn't cost you anything, as brokers are paid by the lenders they work with. Moreover, a mortgage broker can help you find the best rates and terms for your financing, which can save you thousands of dollars over the life of your mortgage. They can also help you avoid costly mistakes, such as penalties for breaking your mortgage early or choosing a mortgage with hidden fees.</li><li value="5" class="editor_listItem" dir="ltr">Peace of mind:&nbsp;Making a purchase as a first time homebuyer can be a stressful and confusing process, especially if you're not familiar with the mortgage market in BC. A mortgage broker can help you understand your options, answer your questions, and guide you through each step of the process. They can also advocate for you with lenders, if necessary, and help you avoid scams or frauds.</li></ul>In Victoria, British Columbia, where the real estate market is competitive and prices are high, being a first-time homebuyer can be particularly challenging. However, with the right preparation, guidance, and support, you can achieve your dream of owning a home in one of Canada's most beautiful and livable cities.

Buying your first home is a big and exciting milestone, but it can also be overwhelming and stressful, especially if you're not familiar with the real

First Time Home Buyers

What does it take to be pre-approved in BC?If you're looking to purchase a home in British Columbia, Canada, getting a mortgage pre-approval is an essential first step. Pre-approval is a process where a broker assesses your financial situation and determines how much money you could qualify for based on the information you provide. It's important to note that a pre-approval isn't the same as final approval (those happen once you have an accepted offer), but it does give you a good idea of what you can afford and allows you to start shopping for homes with confidence. Below, we'll discuss why it's important to get pre-approved as soon as possible, how to do it in BC, and why it’s important to work with a mortgage broker. <h2 class="editor_h2" dir="ltr">Getting pre-approved for a mortgage is a critical step in the homebuying process, and it's best to do it as early as possible. Here are a few reasons why:</h2><h2 class="editor_h2" dir="ltr"></h2><ul><li value="1" class="editor_listItem" dir="ltr">Know Your Budget:&nbsp;Knowing how much money you're pre-approved for helps you focus your search on homes that are within your budget. It saves you time and frustration, as you won't waste your time looking at homes that are outside of your price range.</li><li value="2" class="editor_listItem" dir="ltr">Efficiency:&nbsp;In British Columbia’s hot real estate market, homes are selling quickly, sometimes with multiple offers. During the pre-approval process, we will work with you to collect a lot of documentation at the beginning, which can make things fast and efficient once you have that accepted offer.</li><li value="3" class="editor_listItem" dir="ltr">Address Potential Issues Up Front:&nbsp;During the pre-approval process, questions can arise that are often easily fixable, for example, lower credit or confusing employment. Addressing these issues in advance allows for a simpler financing journey and will lead to the best lending options once you have an accepted offer.</li><li value="4" class="editor_listItem" dir="ltr">Get Questions Answered:&nbsp;We will be able to answer your questions and guide you through the mortgage process, making the experience much less stressful and leaving you feeling more educated about your options.</li><li value="5" class="editor_listItem" dir="ltr">Secure a Rate Hold:&nbsp;Submitting a pre-approval allows you to lock in a rate hold for 120 days to prevent against rate increases.</li></ul> <h2 class="editor_h2" dir="ltr">Getting pre-approved for a mortgage in British Columbia is a straightforward process. Here are the steps to follow:</h2><h2 class="editor_h2" dir="ltr"></h2><ul><li value="1" class="editor_listItem" dir="ltr">Fill out an application. We have a 2 page fillable application that asks all of the relevant details and gives us a place to start on your file. This will include information about your income, assets, and debts.</li><li value="2" class="editor_listItem" dir="ltr">The next step is doing a credit check, which can allow an opportunity to improve your score based on personalized advice.</li><li value="3" class="editor_listItem" dir="ltr">This application and credit check will get sent to one of our lenders to secure a rate hold.</li><li value="4" class="editor_listItem" dir="ltr">In advance of an accepted offer, it would be very helpful need to provide your broker with some financial documents, such as your tax returns, pay stubs, and a job letter. This ensures that your income is presented to the lender in the most accurate way.</li><li value="5" class="editor_listItem" dir="ltr">Go shopping! With a pre-approval in place, now is the time to start looking for your new property in BC with confidence.</li></ul> <h2 class="editor_h2" dir="ltr">The pre-approval process is a commitment-free opportunity to find out how lenders will look at your application, what you can afford, how your credit looks and a great chance to ask any and all questions of your broker. Here are a few tips to help you get pre-approved for a mortgage in BC:</h2><h2 class="editor_h2" dir="ltr"></h2><ul><li value="1" class="editor_listItem" dir="ltr">Check Your Credit Score:&nbsp;Your credit score is a critical factor in securing the best rates for a mortgage. During the pre-approval process, we will check your credit and give you specific advice on how to improve it if that is needed. This can be a very easy way to improve your application.</li><li value="2" class="editor_listItem" dir="ltr">Be Honest:&nbsp;When filling out your application, be honest about your financial situation. Lenders will verify the information you provide, so it's best to be upfront from the start.</li><li value="3" class="editor_listItem" dir="ltr">Get Pre-Approved before House Hunting:&nbsp;It's best to get pre-approved before you start shopping for homes. That way, you'll know what you can afford and won't waste your time looking at homes outside of your budget.</li></ul> As independently registered mortgage brokers, we can offer unbiased advice due to the fact that we offer many different mortgage products from different lenders. We not only have access to the banks, but also monolines, credit unions and other kind of financing options here in BC. We reply quickly, are always looking for the best deal for you, but we also consider your file and future financial plan as a whole. Let the broker do the work for you, and best of all, it’s no cost to you!

What does it take to be pre-approved in BC? 

What does it take to be pre-approved in BC? If you're looking to purchase a home in British Columbia, Canada, getting a mortgage pre-approval is an es

Pre-Approval

<h3 class="editor_h3" dir="ltr" style="text-align: left;">Unlocking Your Dream Vacation Home in BC: The Benefits of Working with a Mortgage Broker</h3>Imagine waking up to breathtaking views of British Columbia's stunning landscapes every morning. Owning a vacation home in BC can turn this dream into a reality, offering you a tranquil getaway and an investment opportunity. However, securing a mortgage for a vacation home can be a complex process without the help of a mortgage broker. In this article, we will explore the advantages of working with a mortgage broker, the benefits of leveraging existing equity, and the joys of owning a vacation home in British Columbia.<h3 class="editor_h3" dir="ltr" style="text-align: left;">Understanding the Importance of a Mortgage Broker</h3>When it comes to financing your dream vacation home in BC, working with a mortgage broker can prove to be an invaluable asset. A mortgage broker is a licensed professional who acts as an intermediary between borrowers and lenders, offering expert advice and guiding you through the mortgage process. Their extensive knowledge of the local market and access to various lending institutions can help you secure the best mortgage terms and rates available. It’s important to explore your options before you commit to purchasing a specific property, especially when many vacation homes can have unique characteristics.<h3 class="editor_h3" dir="ltr" style="text-align: left;">Leveraging Existing Equity for Your Vacation Home</h3>One of the major advantages of owning a primary residence is the accumulation of home equity over time. Home equity refers to the portion of your property's value that you truly own. By leveraging this equity, you can use it as a down payment or collateral to secure a mortgage for a vacation home in BC. This approach can help you avoid the need for a large available cash down payment and make your dream home more attainable.<h3 class="editor_h3" dir="ltr" style="text-align: left;">Benefits of Owning a Vacation Home in BC</h3><ul><li value="1" class="editor_listItem" dir="ltr">Escape to Natural Beauty:&nbsp;British Columbia is renowned for its awe-inspiring natural beauty, from snow-capped mountains to pristine lakes and picturesque coastlines. Owning a vacation home in this stunning province allows you to immerse yourself in nature and escape from the hustle and bustle of city life.</li><li value="2" class="editor_listItem" dir="ltr">Recreational Opportunities:&nbsp;BC offers an abundance of recreational activities throughout the year. Whether you enjoy skiing, hiking, fishing, or simply relaxing on the beach, a vacation home provides convenient access to these activities, allowing you to embrace an active and fulfilling lifestyle.</li><li value="3" class="editor_listItem" dir="ltr">Rental Income Potential:&nbsp;When you're not using your vacation home, it can become a lucrative investment opportunity. BC's thriving tourism industry means that there is a steady demand for vacation rentals, offering you the potential to generate passive income and offset your mortgage expenses.</li></ul><h3 class="editor_h3" dir="ltr" style="text-align: left;">Working with a Mortgage Broker in BC: The Key Benefits</h3><ul><li value="1" class="editor_listItem" dir="ltr">Expert Guidance:&nbsp;A mortgage broker specializing in BC can provide you with tailored advice and personalized solutions based on your unique financial situation and objectives. They will analyze your needs, compare mortgage products from different lenders, and negotiate on your behalf, ensuring you secure the most favorable terms and rates available.</li><li value="2" class="editor_listItem" dir="ltr">Access to a Wide Range of Lenders:&nbsp;Mortgage brokers have access to an extensive network of lenders, including banks, credit unions, monolines and private lenders. This access increases your chances of finding a lender who understands the nuances of vacation home mortgages in BC and offers competitive rates that align with your financial goals.</li><li value="3" class="editor_listItem" dir="ltr">Time and Cost Savings:&nbsp;Instead of spending hours researching lenders and their mortgage products, a mortgage broker streamlines the process for you. They handle the paperwork, gather the necessary documentation, and navigate the complexities of the mortgage application process, saving you valuable time and potentially reducing your overall costs.</li><li value="4" class="editor_listItem" dir="ltr">It’s free!&nbsp;Working with a mortgage broker comes at no cost to you and could potentially save you thousands over the course of your mortgage.</li></ul>Purchasing a vacation home in British Columbia, can bring you closer to the stunning landscapes and recreational opportunities this province has to offer. Working with a mortgage broker specialized in the British Columbia market ensures that you receive expert guidance, access to a wide range of lenders, and the best possible mortgage terms and rates. Leveraging your existing home equity can help you realize your dream more easily, while the benefits of owning a vacation home in BC extend beyond mere financial gains, providing you with a sanctuary to unwind and embrace a fulfilling lifestyle.If you're thinking about embarking on the exciting journey of owning a vacation home in BC, reach out to us early to see what you would qualify for and let us guide you towards making your dream a reality.

Imagine waking up to breathtaking views of British Columbia's stunning landscapes every morning. Owning a vacation home in BC can turn this dream into

Vacation Homes

<h3 class="editor_h3" dir="ltr" style="text-align: left;">Unlocking the Potential: Securing a Reverse Mortgage in BC, Canada</h3>In today's dynamic real estate market, British Columbia stands out as a prime location for homeowners seeking to leverage their home equity through a reverse mortgage. With its vibrant cities like Victoria, BC offers a compelling backdrop for retirees looking to unlock the value of their homes. In this article, we will explore the benefits of securing a reverse mortgage in BC, focusing on Victoria, and highlight why working with a knowledgeable mortgage broker can be a game-changer.The Rise of Reverse Mortgages in BC: As property values continue to soar in BC, homeowners find themselves sitting on a goldmine of accumulated home equity. A reverse mortgage allows individuals aged 55 and older to convert a portion of their home equity into tax-free funds, without having to sell their property or make regular mortgage payments. In BC, especially in Victoria, where property values have been on the rise, a reverse mortgage presents an excellent opportunity to tap into this valuable resource.In the past, there has sometimes been a stigma around reverse mortgages, however many people today are considering them great options, especially because many home values are steadily increasing with time, meaning the owner does not lose as much equity. Many homeowners are still able to leave their home to their children as part of an inheritance while being able to stay in their home for a longer period of time, enjoying the equity they worked so hard for.Some things to consider:<ul><li value="1" class="editor_listItem" dir="ltr">Tailored Solutions for Diverse Financial Needs:&nbsp;One of the significant advantages of a reverse mortgage is its flexibility. Whether you're looking to supplement your retirement income, fund home renovations, or even travel the world, a reverse mortgage can be customized to suit your specific financial goals. With the help of a skilled mortgage broker in BC, you can explore the array of options available and select the one that aligns with your requirements, ensuring a secure and comfortable retirement.</li><li value="2" class="editor_listItem" dir="ltr">Enjoy the Upside of Increasing Property Values:&nbsp;BC's real estate market, including Victoria, has been witnessing a consistent upward trajectory in property values over the years. This trend works to the advantage of those considering a reverse mortgage. As property values appreciate, so does the potential amount you can access through a reverse mortgage. In addition, as values increase, so does your total equity, thus reducing the amount owed to the lender upon sale of the home. With careful planning and expert advice from a mortgage broker, you can leverage your home's increased value to secure a higher loan amount, further enhancing your financial flexibility.</li></ul><h3 class="editor_h3" dir="ltr" style="text-align: left;">Leveraging a Mortgage Broker's Expertise:</h3>Navigating the intricacies of the mortgage market can be overwhelming, especially for those new to the reverse mortgage process. This is where a mortgage broker can prove to be an invaluable asset. A reputable broker with experience in BC, can provide tailored guidance and assist in securing the best possible reverse mortgage terms for your unique needs.When working with a mortgage broker, they will assess your financial situation, discuss your goals and needs, and provide a range of reverse mortgage options that are tailored to you. They have access to a wide network of lenders and can help you find the best rates and terms available in the market. With their expertise, they will review and explain the fine print, simplifying complex financial jargon and empowering you to make informed decisions.Furthermore, a mortgage broker can save you time and energy by handling the paperwork and administrative tasks on your behalf. They will gather the necessary documentation, submit applications, and ensure that all requirements are met in a timely manner. This streamlined approach allows you to focus on enjoying the benefits of a reverse mortgage without the stress of dealing with the intricate details.Securing a reverse mortgage in BC, particularly in Victoria, can be a wise financial decision for homeowners aged 55 and older, especially in a climate of rising property values. There is a lot of flexibility right now and by collaborating with a knowledgeable mortgage broker, you gain access to expert advice, tailored solutions, and peace of mind as you unlock the potential of your home equity. Securing the mortgage is a simple and pain-free experience and remember, a reverse mortgage is a powerful tool that should be approached with careful consideration and professional guidance. Embrace the opportunities that a reverse mortgage offers and embark on a secure and fulfilling retirement in beautiful British Columbia.

Leverage your equity with no payment mortgage

In today's dynamic real estate market, British Columbia stands out as a prime location for homeowners seeking to leverage their home equity through a 

Reverse Mortgages

<h3 class="editor_h3" dir="ltr" style="text-align: left;">Mortgages for the self- employed in BC: how to simplify the process</h3> If you're self-employed in BC, Canada, securing a mortgage can often seem more complicated. It hasn’t always paid to be self-employed (if you’re employing creative accounting strategies), but we understand you because we’re self-employed ourselves! With the right approach and the help of a knowledgeable mortgage broker, you can navigate the process successfully and secure the funding you need to buy your dream home in Victoria or elsewhere in BC.Working with a mortgage broker is extremely helpful for self-employed individuals because it can be challenging to demonstrate income and financial stability without the traditional pay stubs and other documents that salaried employees provide. A mortgage broker can help you find lenders who understand the challenges facing self-employed borrowers and can work with you to find the best mortgage solution for your needs.One of the benefits of being self-employed is that you have more control over your income and work schedule than traditional employees. However, this can also make it more challenging to demonstrate your financial stability to lenders. To address this, lenders will typically ask for additional documentation to verify your income, such as a history of T1 Generals, Notices of Assessment or sometimes bank statements. It really comes down to the individual. <h3 class="editor_h3" dir="ltr">If you're self-employed and looking to secure a mortgage in BC, here are some tips to help you navigate the process:</h3><h3 class="editor_h3" dir="ltr">Choose the right mortgage broker:&nbsp;Choosing the right mortgage broker is essential for self-employed borrowers. Look for a broker who has experience working with self-employed individuals and who understands the unique challenges facing this group. Unlike banks, we have access to a wide range of lenders and products so you know you’ll be getting a good deal. We work with many self-employed people (incorporated and not) and know of little tips to make the file the most desirable for the lender. There are often special products at different lenders for self-employed people, which is why it is important to work with a mortgage broker so that they can shop around for you to find the right product to suit your needs.</h3>Get your finances in order:&nbsp;Before you apply for a mortgage, it's essential to get your finances in order. This means working with a mortgage broker to review your file, employment situation and credit score. During this process, the more documentation you provide up front, the more prepared you will be in when the time comes to purchase or refinance.Be prepared to provide additional documentation:&nbsp;As a self-employed borrower, you may need to provide additional documentation to demonstrate your income and financial stability. As mentioned above, these documents could include your full T1 Generals, Notices of Assessment and in sometimes incorporation papers, business financials, bank statements, etc. This can sometimes come up after you’ve made a successful offer but varies case by case.Make sure your previous taxes are paid:&nbsp;Lenders will want to see a zero balance on your previous Notices of Assessments. Postponing payments of these types of things make it a lot more challenging to secure financing. If you’re considering a refinance, it is also important that your property tax payments are up to date as well.Manage your debt:&nbsp;It can be easy for your debt levels to rise when you’re running a business, however it is important to keep on top of it because high debt can negatively impact the mortgage amount that you qualify for. Keeping your balances significantly lower than your limits and keeping your payments on time can go a long way to keeping your credit score high and your debt down.Consider a co-signer:&nbsp;If you're having trouble securing a mortgage on your own, consider getting a co-signer. A co-signer is some close to you whose income and liabilities get added to your file for qualification. They also go on title and the mortgage and this can help increase your chances of getting approved for a mortgage. One or two co-signers can be very helpful, even if they don’t own their own homes outright or don’t have high incomes. It’s a good idea to check with your broker to see how a potential co-signer would improve your file.In conclusion, securing a mortgage while being self-employed in BC, Canada is easier than you think it is. Working with a knowledgeable mortgage broker who understands the unique challenges facing self-employed borrowers can help you find a product that works for you and help navigate the process successfully. Reach out to us to see what you would qualify for!

Self employed mortgages are easier than you think

If you're self-employed in BC, Canada, securing a mortgage can often seem more complicated. It hasn’t always paid to be self-employed (if you’re emplo

Self-Employed

<h3 class="editor_h3" dir="ltr" style="text-align: left;">Securing a Mortgage for an Investment Property in BC, Canada: Why You Need a Mortgage Broker</h3>Investing in real estate can be a lucrative venture, and in British Columbia (BC), Canada, it presents an excellent opportunity to grow your wealth. With the beautiful city of Victoria as its capital, BC offers a thriving real estate market with increasing property values. Securing a mortgage for an investment property in BC could be a crucial step towards achieving your financial goals. In this article, we will explore the benefits of investment properties in BC, highlight the importance of working with a mortgage broker, and guide you through the process of securing a mortgage in Victoria.Investment properties offer numerous advantages, making them a popular choice among savvy investors in BC. Firstly, these properties generate rental income, providing a steady cash flow that can supplement your existing income or be reinvested. In a climate of increasing property values, investment properties can appreciate over time, allowing you to build equity and potentially realize substantial capital gains. BC's thriving tourism industry, vibrant economy, and desirable location make it an attractive destination for renters, ensuring a strong demand for rental properties.<h3 class="editor_h3" dir="ltr" style="text-align: left;">The Role of a Mortgage Broker:</h3>Securing a mortgage for an investment property in BC can be a complex process. This is where a mortgage broker becomes invaluable. A mortgage broker acts as a middleman between borrowers and lenders, offering expert guidance and access to a wide range of mortgage products. Here's why working with a mortgage broker is a wise choice:<ul><li value="1" class="editor_listItem" dir="ltr">Expertise and Market Knowledge:&nbsp;A mortgage broker specializes in mortgages and stays up-to-date with the latest market trends and regulations. They understand the unique dynamics of the BC real estate market and can guide you towards the most suitable mortgage options for your investment property.</li><li value="2" class="editor_listItem" dir="ltr">Access to Multiple Lenders:&nbsp;Unlike traditional banks that offer their own mortgage products, mortgage brokers have access to multiple lenders, including banks, credit unions, and private lenders. This ensures that you receive competitive interest rates, terms, and conditions tailored to your specific needs.</li><li value="3" class="editor_listItem" dir="ltr">Customized Solutions:&nbsp;A mortgage broker takes the time to understand your investment goals, financial situation, and risk tolerance. They analyze your requirements and provide personalized mortgage solutions that align with your investment objectives. Their expertise extends beyond interest rates to various mortgage features, such as pre-payment options and penalty terms, which can significantly impact your investment strategy.</li><li value="4" class="editor_listItem" dir="ltr">Simplified Application Process:&nbsp;Applying for a mortgage can be a time-consuming and paperwork-intensive process. A mortgage broker streamlines this process by managing the paperwork, liaising with lenders, and ensuring that all necessary documentation is complete and accurate. This saves you valuable time and reduces the stress associated with securing a mortgage.</li></ul><h3 class="editor_h3" dir="ltr" style="text-align: left;">Here are the key steps to secure a mortgage for an investment property:</h3><ul><li value="1" class="editor_listItem" dir="ltr">Consult with a Mortgage Broker:&nbsp;Reach out to a reputable mortgage broker who specializes in investment properties in BC and specifically in the Victoria area. They will analyze your financial situation, investment goals, and guide you through the available mortgage options and the rest of the steps.</li><li value="2" class="editor_listItem" dir="ltr">Determine Your Budget:&nbsp;Assess your financial situation and determine how much you can afford to invest in an investment property. Consider factors such as down payment, monthly mortgage payments, property taxes, insurance, and ongoing maintenance costs.</li><li value="3" class="editor_listItem" dir="ltr">Gather Documentation:&nbsp;Prepare the necessary documentation, including proof of income, employment history, credit score, and financial statements. Organizing these documents in advance will expedite the mortgage application process.</li><li value="4" class="editor_listItem" dir="ltr">Mortgage Pre-approval:&nbsp;A mortgage broker can help you obtain a pre-approval letter from a lender, which demonstrates your credibility as a buyer and strengthens your negotiating power when making an offer on an investment property.</li><li value="5" class="editor_listItem" dir="ltr">Select a Mortgage Option:&nbsp;With the assistance of your mortgage broker, evaluate different mortgage options, including fixed-rate mortgages, variable-rate mortgages, or hybrid mortgages, to determine which suits your investment strategy and risk tolerance.</li><li value="6" class="editor_listItem" dir="ltr">Complete the Application:&nbsp;Your mortgage broker will assist you in completing the mortgage application accurately and efficiently. They will ensure that all required documentation is included and submit the application to the lender on your behalf.</li></ul>Securing a mortgage for an investment property in BC, particularly in Victoria, offers an exciting opportunity to grow your wealth in a thriving real estate market. Working with a mortgage broker is crucial to navigating the complexities of the mortgage process and obtaining the best possible mortgage terms and conditions. Their expertise, access to multiple lenders, and personalized service make them an invaluable resource on your journey to financial success. Embrace the benefits of investment properties in BC, leverage the increasing property values, and let a mortgage broker guide you towards a successful investment venture.

Investing in real estate can be a lucrative venture, and in British Columbia (BC), Canada, it presents an excellent opportunity to grow your wealth. W

Investment Properties

<h3 class="editor_h3" dir="ltr" style="text-align: left;">Simplifying the Mortgage Renewal Process in BC, Canada: Why a Mortgage Broker is Your Best Bet in Victoria</h3>For homeowners in beautiful British Columbia (BC), the mortgage renewal process can often be a daunting task. However, with the right knowledge and guidance, it can be a seamless experience that saves you both time and money. In this article, we'll delve into the mortgage renewal process in BC and explore the advantages of shopping around before signing the renewal with your current lender.<h3 class="editor_h3" dir="ltr" style="text-align: left;">Understanding Mortgage Renewals in BC</h3>When your current mortgage term comes to an end, you have the option to renew your mortgage with your existing lender or explore other options with different lenders. This process is known as a mortgage renewal. In BC, particularly in the vibrant city of Victoria, the mortgage renewal market is highly competitive, presenting homeowners with a variety of choices. It is often worth the time to reach out to a broker to see if they can find a more competitive rate. With just some paperwork, you could easily switch lenders and find a product with more favourable details than your current almost maturing one. A tip on shopping around: a broker can lock a rate in for up to 120 days, meaning you can start shopping for new options 4 months before your renewal date!<h3 class="editor_h3" dir="ltr" style="text-align: left;">Why Work with a Mortgage Broker in BC?</h3>A mortgage broker acts as a bridge between you and the lenders, working on your behalf to find the best mortgage renewal terms that suit your specific needs. Here's why it's highly advantageous to work with a mortgage broker in BC, especially in Victoria:<ul><li value="1" class="editor_listItem" dir="ltr">Expertise and Access to Multiple Lenders:&nbsp;Mortgage brokers possess in-depth knowledge of the mortgage market and have access to multiple lenders, including banks, credit unions, and private lenders. This wide range of options enables them to find competitive rates and terms that may not be readily available to the general public. By leveraging their expertise, you increase your chances of securing a favorable mortgage renewal deal.</li><li value="2" class="editor_listItem" dir="ltr">Personalized Guidance and Tailored Solutions:&nbsp;BC mortgage brokers understand the local market dynamics and can provide personalized guidance based on your unique financial situation. They will assess your needs, explain the various renewal options, and recommend the most suitable solution for you. With their help, you can navigate through the complexities of mortgage renewal with confidence.</li><li value="3" class="editor_listItem" dir="ltr">Time and Effort Savings:&nbsp;Shopping around for the best mortgage renewal terms can be time-consuming and overwhelming, especially when you're unfamiliar with the process. A mortgage broker streamlines the entire procedure, doing the legwork for you. They will gather multiple offers, negotiate on your behalf, and present you with the most attractive options. This not only saves you time but also ensures you make an informed decision.</li></ul><h3 class="editor_h3" dir="ltr" style="text-align: left;">The Benefits of Shopping Around</h3>While your current lender may offer you a mortgage renewal, it's crucial to explore other options before committing. Shopping around can yield significant benefits, and here's why:<ul><li value="1" class="editor_listItem" dir="ltr">Competitive Rates and Terms:&nbsp;By comparing multiple lenders, you expose yourself to a wider range of rates and terms. This competition can lead to better offers, potentially resulting in lower interest rates, improved payment flexibility, or reduced fees. Shopping around empowers you to make an informed choice and potentially save thousands of dollars over the course of your mortgage.</li><li value="2" class="editor_listItem" dir="ltr">Flexibility to Adapt to Changing Needs:&nbsp;Your financial circumstances may have evolved since you initially obtained your mortgage. By shopping around, you can find lenders who offer more flexible options that align with your current needs. This might include adjusting your payment frequency, changing the length of your mortgage term, or exploring additional features such as prepayment privileges.</li><li value="3" class="editor_listItem" dir="ltr">Take out equity:&nbsp;Renewal time is also a great opportunity to take advantage of the equity in your home. This is the perfect time to refinance your property and use the extra funds to do renovations or consolidate debt.</li></ul>The mortgage renewal process in BC presents homeowners with a valuable opportunity to reassess their mortgage terms and explore better options. By working with a mortgage broker, you can tap into their expertise, access to multiple lenders, and personalized guidance to secure the most favorable mortgage renewal terms. Additionally, shopping around before committing to a renewal allows you to compare rates, terms, and features, potentially leading to significant cost savings and increased flexibility. By leveraging the expertise of a mortgage broker and exploring different lenders, you can make an informed decision that sets you up for financial success in the years to come.

For homeowners in beautiful British Columbia (BC), the mortgage renewal process can often be a daunting task. However, with the right knowledge and gu

Mortgage Renewal

<h3 class="editor_h3" dir="ltr" style="text-align: left;">Refinancing your home: what to consider</h3>Refinancing your mortgage can be a smart financial move for homeowners in British Columbia, Canada. If you're looking to refinance your mortgage, there are several factors to consider, including the current interest rates, your financial goals, and your lender. In this article, we'll discuss what mortgage refinancing is, why you might consider it, and why it's a good idea to work with a mortgage broker.<h3 class="editor_h3" dir="ltr" style="text-align: left;">What is Mortgage Refinancing?</h3>Mortgage refinancing is the process of replacing your current mortgage with a new one, sometimes at a lower interest rate. Refinancing can help you save money on your monthly mortgage payments, reduce the overall interest you pay on your mortgage, or access some of the equity in your home to fund renovations, education, or other expenses. However, the refinance process can be complex and time-consuming, especially if you're not familiar with the mortgage market in BC. That's why it's a good idea to work with a mortgage broker who can help you navigate the process and find the best mortgage refinance options for your needs.<h3 class="editor_h3" dir="ltr" style="text-align: left;">Why Consider Refinancing?</h3>There are several reasons why you might consider refinancing your mortgage in British Columbia, including:<ul><li value="1" class="editor_listItem" dir="ltr">Lower Interest Rates:&nbsp;If interest rates have fallen since you took out your mortgage, refinancing can help you take advantage of lower rates, which can save you money on your monthly payments.</li><li value="2" class="editor_listItem" dir="ltr">Shorten Your Mortgage Term:&nbsp;Refinancing can allow you to shorten the term of your mortgage, which can save you money on interest payments in the long run.</li><li value="3" class="editor_listItem" dir="ltr">Access Equity:&nbsp;If you've built up equity in your home, refinancing can allow you to access that equity and use it for other purposes, such as home renovations or paying off high-interest debt.</li><li value="4" class="editor_listItem" dir="ltr">Consolidate Debt:&nbsp;Refinancing can help you consolidate high-interest debt, such as credit card debt, into your mortgage, which can save you money on interest payments.</li></ul>Refinancing your mortgage in British Columbia is similar to getting a new mortgage. Here are the steps you'll need to follow:<ul><li value="1" class="editor_listItem" dir="ltr">Determine Your Goals:&nbsp;Before you start the refinancing process, determine your financial goals. Are you looking to save money on your monthly payments, reduce your overall interest payments, or access equity in your home?</li><li value="2" class="editor_listItem" dir="ltr">Apply for Refinance:&nbsp;You’ll need to fill out an application for refinancing. This will include information about your income, assets, and debts. This will also include a credit check.</li><li value="3" class="editor_listItem" dir="ltr">Wait for Approval:&nbsp;The broker will review your application and determine whether you qualify for refinancing. They will then send your file in to a lender and if you're approved, they'll provide you with a new mortgage agreement that outlines the terms of the loan.</li><li value="4" class="editor_listItem" dir="ltr">Meet the Conditions:&nbsp;Once you have an approval, you will provide the required documentation, like a mortgage statement, property tax notice and income documents. Once the conditions are met, you’ll meet with a lawyer to complete the new mortgage.</li></ul><h3 class="editor_h3" dir="ltr" style="text-align: left;">Why Work with a Mortgage Broker?</h3>Expert advice:&nbsp;A mortgage broker is a licensed professional who specializes in mortgage financing. They have in-depth knowledge of the mortgage market in BC, including interest rates, lender policies, and qualification requirements. They can provide you with personalized advice on the best refinance options for your financial goals, budget, and credit score.Access to multiple lenders:&nbsp;When you work with a mortgage broker, you're not limited to a single lender or mortgage product. Brokers have access to a wide range of lenders, including banks, credit unions, and private lenders, and can help you compare and negotiate the best rates and terms for your refinance. This can save you time and money and increase your chances of getting approved for a mortgage refinance. Unlike banks, mortgage brokers work for you, not the lender which means they can give you unbiased advice.Convenience:&nbsp;Refinancing your mortgage can involve a lot of paperwork, research, and communication with lenders. A mortgage broker can take care of all these tasks for you, saving you time and hassle. They can also meet with you in person, by phone, or online, whatever works for you.Cost savings:&nbsp;Working with a mortgage broker doesn't cost you anything, as brokers are paid by the lenders they work with. Moreover, a mortgage broker can help you find the best rates and terms for your refinance, which can save you thousands of dollars over the life of your mortgage. They can also help you avoid costly mistakes, such as penalties for breaking your mortgage early or choosing a mortgage with hidden fees.Peace of mind:&nbsp;Refinancing your mortgage can be a stressful and confusing process, especially if you're not familiar with the mortgage market in BC. A mortgage broker can help you understand your options, answer your questions, and guide you through each step of the process. They can also advocate for you with lenders, if necessary, and help you avoid scams or frauds.In Victoria, BC, where the real estate market is booming, refinancing your mortgage can be a smart financial move, especially if you've built up equity in your home over the years. Whether you're looking to lower your monthly mortgage payments, shorten your mortgage term, or tap into your home equity, a mortgage broker can help you evaluate your options and choose the best refinance strategy for your situation.

Refinancing your mortgage can be a smart financial move

Refinancing your mortgage can be a smart financial move for homeowners in British Columbia, Canada. If you're looking to refinance your mortgage, ther

Refinancing

<h3 class="editor_h3" dir="ltr" style="text-align: left;">Renovations in BC: A great way to grow equity</h3>Are you a homeowner in British Columbia (BC), Canada, dreaming of transforming your place into your dream home through renovations? If so, you may be considering a mortgage to fund your renovation project. BC, known for its stunning landscapes and vibrant cities like Victoria, offers a plethora of opportunities for homeowners to enhance their living spaces. However, navigating the mortgage landscape to use your already existing equity can be overwhelming. That's where a mortgage broker comes in. In this article, we'll explore why it's beneficial to work with a mortgage broker when securing a mortgage for renovations in BC, and how utilizing your home equity can increase the value of your property.Renovations have become increasingly popular among homeowners in BC, and for good reason. They allow you to customize your home to fit your evolving needs, enhance functionality, and boost its overall value. Whether you're planning a kitchen remodel, a bathroom upgrade, or a complete home makeover, financing such projects can be a challenge. This is where a mortgage broker can be your greatest ally.A mortgage broker is a licensed professional who acts as an intermediary between borrowers and lenders. They have a deep understanding of the mortgage market and can help you navigate the complex process of securing a mortgage for renovations.Home equity is the difference between the current market value of your home and the outstanding balance on your mortgage. By tapping into your home equity, you can access funds to pay for your renovations. A mortgage broker can help you assess the available equity in your home and guide you on the best way to use it, either by refinancing your current property or qualifying to add a Home Equity Line of Credit product to your mortgage.Here are some reasons why working with a mortgage broker is advantageous for BC homeowners looking to fund their renovation projects.<ul><li value="1" class="editor_listItem" dir="ltr">Expertise in BC Mortgage Market:&nbsp;A mortgage broker specializes in the BC mortgage market. They possess comprehensive knowledge of the local lenders, interest rates, and mortgage products tailored specifically for renovations in BC.</li><li value="2" class="editor_listItem" dir="ltr">Access to Multiple Lenders:&nbsp;Unlike a bank that can only offer you their own mortgage products, a mortgage broker has access to a vast network of lenders. They can shop around on your behalf, comparing rates and terms to find the best mortgage solution for your renovation needs.</li><li value="3" class="editor_listItem" dir="ltr">Personalized Guidance:&nbsp;A mortgage broker will assess your unique financial situation and renovation goals to provide personalized guidance. They will guide you through the entire mortgage process, answering any questions you may have and ensuring you make informed decisions.</li><li value="4" class="editor_listItem" dir="ltr">Simplified Application Process:&nbsp;Applying for a mortgage can be daunting, but a mortgage broker will streamline the process for you. They will gather all the necessary documentation, submit the application on your behalf, and negotiate with lenders to secure the most favorable terms.</li><li value="5" class="editor_listItem" dir="ltr">Better Mortgage Rates:&nbsp;Mortgage brokers have the expertise to negotiate competitive rates on your behalf. With access to multiple lenders, they can help you find the best mortgage rate for your renovation project, potentially saving you thousands of dollars over the life of your loan.</li><li value="6" class="editor_listItem" dir="ltr">Flexibility in Mortgage Options:&nbsp;A mortgage broker can help you explore various mortgage options, such as refinancing your existing mortgage or securing a home equity line of credit (HELOC), allowing you to leverage your home equity to finance your renovations.</li></ul>Not only do renovations enhance the aesthetic appeal and functionality of your home, but they can also increase its overall value. When you finance your renovation project through a mortgage, you have the opportunity to leverage your home equity and unlock its full potential.<h3 class="editor_h3" dir="ltr" style="text-align: left;">Why renovations are helpful:</h3><ul><li value="1" class="editor_listItem" dir="ltr">Investment in Your Property:&nbsp;Renovations are an investment in your property. Upgrading your kitchen, adding a new bathroom, or creating additional living space can significantly increase the value of your home. By utilizing your home equity to finance these renovations, you are essentially investing in your property's future.</li><li value="2" class="editor_listItem" dir="ltr">Improved Marketability:&nbsp;Renovated homes tend to attract more buyers and command higher selling prices in the real estate market. Whether you plan to sell your home in the near future or not, it's always a smart move to increase its marketability. A mortgage broker can help you understand how specific renovations can add value to your property and attract potential buyers should you decide to sell.</li><li value="3" class="editor_listItem" dir="ltr">Enhanced Comfort and Enjoyment:&nbsp;While the financial benefits of renovating are substantial, let's not forget about the immediate rewards. By renovating your home, you can create a space that aligns with your lifestyle and preferences. Whether it's an open-concept living area, a luxurious master suite, or a home office, renovations allow you to customize your living space to enhance comfort and enjoyment.</li><li value="4" class="editor_listItem" dir="ltr">Long-Term Financial Gain:&nbsp;Investing in renovations can lead to long-term financial gain. As the value of your home increases, so does your equity. This equity can be further utilized in the future for other projects or to achieve other financial goals. A mortgage broker can help you plan for the future by considering the long-term financial implications of your renovation decisions.</li></ul>When it comes to securing a mortgage for renovations in BC, working with a mortgage broker is essential. They have the knowledge, expertise, and industry connections to guide you through the process and ensure you secure the best mortgage solution for your needs. With their assistance, you can access multiple lenders, explore various mortgage options, and negotiate competitive rates, all while leveraging your home equity to fund your renovation project.Remember, whether you're planning a small-scale renovation or a major overhaul, the guidance of a mortgage broker will simplify the application process, provide personalized advice, and help you maximize the value of your home. So, if you're ready to embark on your renovation journey in BC, reach out to us make your dream home a reality.

Are you a homeowner in British Columbia (BC), Canada, dreaming of transforming your place into your dream home through renovations? If so, you may be 

Renovations

<h3 class="editor_h3" dir="ltr" style="text-align: left;">Achieve Credit Improvement in BC, Canada: Unlocking Your Path to Homeownership in Victoria</h3> If you dream of owning a home in British Columbia, credit improvement should be on top of your priority list. Building a solid credit foundation not only enhances your financial health but also paves the way for obtaining the best mortgage product for your needs. In this article, we will delve into the importance of credit improvement in BC and specifically highlight the benefits of working with a mortgage broker in Victoria.Credit improvement plays a crucial role in securing a mortgage in BC. Lenders carefully evaluate an individual's creditworthiness before extending a loan. By actively working towards improving your credit, you increase your chances of obtaining a mortgage with favourable terms and lower interest rates. Whether you are a first-time homebuyer or planning to refinance, focusing on credit improvement is an investment in your future financial stability (and it can be pretty simple to do).In Canada, several factors contribute to your credit score. Payment history, which reflects your consistency in making timely payments, carries the most significant weight. Credit utilization, the amount of credit you use compared to your total available credit, also influences your score. Other factors include the length of your credit history and types of credit accounts you have.To improve your credit score, first, ensure you make all your payments on time. Late payments can have a detrimental impact on your score. Secondly, aim to reduce your credit card balances and keep your credit utilization ratio low. Ideally, it's recommended to use less than 30% of your available credit. Sometimes having different kinds of credit can help boost your score as well, from a loan to a phone bill to a credit card. Lastly, regularly review your credit report for errors and dispute any inaccuracies you find. By addressing these issues, you can improve your creditworthiness. This is something you can do with your broker. Credit scores can be improved very rapidly, but it’s a good idea to do a credit check during the pre-approval process of obtaining a mortgage, so that you can fix anything that comes up before you have an official purchase.When it comes to navigating the complex world of mortgages, collaborating with a knowledgeable mortgage broker can be immensely beneficial. These professionals have in-depth knowledge of the local market and can guide you through the credit improvement process, ensuring you make informed decisions. A mortgage broker serves as your advocate, working on your behalf to find the best mortgage options tailored to your specific needs and financial circumstances. A mortgage broker can offer invaluable advice on improving your credit score. They will assess your current financial situation and suggest strategies to enhance your creditworthiness. This may include reviewing your credit report for errors, creating a plan to pay off outstanding debts, and establishing healthy financial habits. By addressing any credit issues proactively, you set yourself up for success when applying for a mortgage. Working with a mortgage broker is confidential as well!Another advantage of working with a mortgage broker is their extensive network and access to multiple lenders in BC. While traditional banks have limited options, mortgage brokers can connect you with various lenders who may be more flexible in their lending criteria. This opens up opportunities for individuals with lower credit scores to still secure a mortgage. A mortgage broker can help you navigate the intricacies of these options, ensuring you find the best mortgage solution for your unique circumstances.Prioritizing credit improvement before applying for a mortgage can yield significant benefits. A higher credit score indicates to lenders that you are a responsible borrower, leading to more favourable loan terms. With an improved credit history, you may be eligible for lower interest rates, reduced down payment requirements, and increased borrowing limits. These advantages can save you a substantial amount of money over the life of your mortgage, making credit improvement a wise financial strategy. It can be some small changes that make a huge difference and the earlier you take those steps, the further your credit score will sore!In the journey towards homeownership, credit improvement stands as a vital step. Building and maintaining a healthy credit score enhances your chances of obtaining a mortgage on favourable terms. Working with a mortgage broker in BC provides expert guidance, access to diverse mortgage options, and the opportunity to secure better loan terms. By prioritizing credit improvement and seeking professional assistance, you can unlock the door to your dream home in British Columbia.

If you dream of owning a home in British Columbia, credit improvement should be on top of your priority list. Building a solid credit foundation not o

Credit Improvement

Holly Moes

Duey Dudar

Our journey started with Hien a couple of years ago, when we hoped to get our foot in the door and secure our first (and last) home. Something wee and humble, as we were not ideal candidates. Hien gave us equal amounts of hope and advice. When we returned, Holly took us through the finish line (I’m not even sure if Holly sleeps - she was always lightning fast to reply, reassure and walk us through things). We never felt alone, we always felt supported.

We finally have our own first/last home, something we never thought would be possible (our dogs, too, cannot believe their good fortune as they sniff about the vast kingdom sized yard they now call home).

Thank you you both for always making us feel worthy as clients, for going above and beyond - and for making home ownership possible for us. A solid five star review can hardly cover the amount of graditude we feel.

Mandy & Duey

Jannelle Bailey

I have used Hein and Holly for past mortgages and trust them wholeheartedly. I highly recommend their services.

Chloe Mccombs

We worked with Holly for the purchase of our first condo! She was so helpful and knowledgeable. She was very responsive to all questions we asked and went above and beyond time and time again. I could not recommend Holly enough!

Devon R

Holly was excellent! She was extremely knowledgeable, and any question that I had, she always answered in a timely fashion. She provided great guidance and support throughout the whole buying process. She made what I'm sure can be a stressful process completely stress-free! I will definitely recommend her to all my friends and family who are wanting to get a mortgage.

Kendra Nelson

Holly was incredible throughout the entire process of getting into a mortgage & we truly couldn’t have gotten our dream property without her!
She was able to lock us in a great rate, and got us approved for more than we ever thought we were going to be approved for.
She is kind, professional & speedy.
Highly highly recommend, we can’t thank you enough!

Jeremy Heryet

Holly assisted me with finding the right mortgage product during my first condo purchase. She went out of her way to provide all the information I needed, and guide me through each step of the process. While I was working with Holly, I felt really well informed about the mortgage options that were available to me, which made me confident with my decision in the end.

Blake Donnelly

As first time buyers, my partner and I were a bit overwhelmed by the process… but Holly, through her confidence and calm nature, made the whole thing so easy! She was very friendly while maintaining professionalism, very in depth but comprehensible, and went out of her way to make sure we were satisfied. She even worked her magic to get us a lower interest rate at the last minute! Can't say enough about Holly, she is exactly what you'd want in a mortgage broker, highly recommended!

Rebecca Nelson

Holly at Moes Mortgages really made my first time home-buying experience such a breeze! She was very efficient, knowledgeable, and always kept me in the loop during every step of the buying process! Buying a home can be stressful but Holly definitely eased some of that stress for me, and I am very grateful for what an amazing job she did. She found me the absolute best deal in terms of the lender I have my mortgage with. I would recommend their services to anyone!

Amelia Lowe

The service and personal attention we received from Holly has been exceptional, and beyond what we were expecting! I have found Holly's wisdom, advice, and support to be invaluable throughout our time working together. She has been available to answer my questions, to aid us in refinancing our mortgage to pay off debt and maximize on low interest rates, and to brainstorm options for us multiple times over the years. I would highly recommend her to anyone, and can't imagine working with anyone else!

Emily Griffis

I would recommend Holly Moes to anyone looking for a mortgage! As a first-time home buyer, she made the process so much easier and less stressful than I anticipated. She was always available to answer any questions we had and made sure we fully understood the process. We had no doubts that we were in good hands.

She really took the time to understand our unique situation and find us the best possible mortgage option, giving us invaluable advice along the way.

I would recommend Holly to anyone in need of a mortgage broker. Thank you so much for everything!

Meg Parker

I am beyond happy that I chose Holly to help me and my partner find a mortgage for the purchase of our first home. Working with her was the most pleasant and professional experience from start to finish. No matter what time of day, she was quick to respond to our hundreds of seemingly never-ending questions and kept us informed and at ease throughout the entire journey. She ended up finding us a better rate than we ever expected to get in this market - I can't recommend Holly enough!

Justin Lamarche

Holly helped my Fiancée and I with our mortgage and documentation. Could not have had a better guide leading us through the process.

From start to finish - excellent communication, knowledge of the ins/outs while also having the most competitive rates.

10/10 - will be back for our next mortgage.

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