Using a Broker: Step by Step

We’re all familiar with going to the bank for a mortgage.  Taking time off work, using our lunch hour or having to take much needed days off only to spend it waiting for our appointment with our bank.  There’s got to be an easier way.

When we say we work for you, we mean it. We do all the work of mortgage shopping for you, so you can concentrate on making your move go smoothly.  We’ll meet to discuss your needs when and where you like or handle everything over the phone or even via email if you prefer. We’ll take the time to explain all the steps and terms in plain English to make sure you’re completely comfortable. Then we’ll negotiate your mortgage to Canada’s leading lenders who compete for the opportunity of funding your mortgage.   If they want your business they’re going to give us their best rate or there’s another bank that will.

Here’s how we work for you:

1. We sit down with you, evaluate your needs and complete an electronic application.  To do that it always helps if you can bring:

-Letter of Employment stating your hourly wage or salary, guaranteed hours and start date

-2 recent paystubs

-2 year Notice of Assessments if you’re self employed or have 2 years worth of commission sales in your income

-3 months bank statements showing your down payment for your new purchase

2. Based on your application, we then go over the lenders’ best rates and product features for your particular situation so we know our options

3. Together we decide which lender offers the most attractive package of rate and features for your specific needs.

4. We then electronically forward your application to that lender and we work with them to get you approved

5. Once approval is received, usually within a matter of days, you simply sign the required forms and you’ve got your mortgage! Then over the next few days and weeks, we follow up with all supporting documents.

This can all be done with you having to do as little as possible.  We can work for you by phone and we can fax or email documents to one another.  We can meet all your mortgage needs without you having to leave your home or work.  We not only offer the best rates and features but service that’s second to none!

We save you Time, Stress and Money.  At Centum Mortgage Choice we know mortgages.