Hundreds Of First Time Home Buyers Like You Have Trusted This Service To Get Their Mortgage
And It Has Paid Off
"I have known James professionally now for 10 years. His dedication, attention and professionalism delivered to all my referrals has been incredible. I highly recommend James and I am open to accept a call, text or email as a reference."
"James is my "go to" person for my clients' mortgage needs. He has the experience, the reputation within the industry to get the job done for them! I have and will continue to recommend James."
"JD is one of the sharpest Mortgage Brokers I know. (And I know a lot of them) He has an incredible work ethic and a high degree of integrity. I would definitely recommend JD if you are looking for a Mortgage Broker."
"I have worked with James in the purchase of both my homes. Over the past 13 years he is the only person I have trusted to provide me with honest advice on decisions concerning my homes and mortgages. I have confidentially referred friends and family to James, as I know he always has his client’s best interests at heart. James has not only become a trusted advisor but a friend as well!"
"James and I have crossed professional paths many times over the past fives years. Every time we chat James demonstrates a level of integrity with his advice which sets him apart in the finance industry. Truly a pleasure to deal with."
"JD is very personable, easy to speak with and extremely knowledgeable. He takes time to explain even the smallest details so there are no questions. JD is quick to return calls, respond to emails and even texts. JD seeks out the best finance options at the best rates and ensures that monthly or biweekly payments fit within your personal budget limitations. He is both honest and transparent during every step of the process! I would highly recommend JD!"
Under most circumstances, it is free for you to use a mortgage broker. Lenders are always looking for new borrowers and are happy to work with brokers who can put together solid mortgage applications that make their vetting process easier.
Only in some cases when your credit is poor and you have to go to a private lender will a mortgage broker charge a fee.
In all other cases, mortgage brokers are free for you!
There is no cost to use a mortgage broker, except in the most extreme cases, such as if you have very poor credit or have previously been bankrupt. Otherwise, my service is entirely free for you, from start to finish. That includes putting your application together, analyzing your finances, and contacting the right lender for you from over 20 lenders.
Mortgage brokers are independent from any bank or lender. They work directly for you throughout the whole process and provide a number of lender options (over 20 in my case). Rather than a bank, which only provides its own mortgage products, a mortgage broker provides a number of products from many lenders and banks.
Your bank representative and a mortgage broker both receive commission on the deal (from the lender – this is still free for you), so the real difference is that mortgage brokers provide the flexibility, range of options, and personal touch that a bank just can’t.
If you are buying a new home, this depends on a number of factors, including income, downpayment amount, credit score, and the property type you are looking to buy.
Mortgages are more complicated than people realize at first, which is why it is so useful to have a mortgage professional who has a lot of experience put together your mortgage application for you.
While it isn’t necessary, it is strongly recommended as it gives you a solid idea of how much you can afford, which makes it easier to choose the homes you are looking at. A pre-approval also makes your offer on the home you choose to be more attractive to sellers as you are highly likely to then not have any issues with getting financing.
You fill out a simple 90 second application here:
This lets me know exactly what you are looking for as well as a bit more information about your specific situation. That allows me to know how to serve you best.
Once you fill out a 90 second application, you will hear back from me very shortly (typically within a few hours) so we can begin the next steps of putting together your application or answering any mortgage questions you may have.