There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional.
While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada's largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.
Whether you're purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it's important that you are making an educated buying decision with professional unbiased advice.
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Ray was recommended to us and I’m glad we looked no further. He made the experience very straightforward with his organization and efficiency with the application and pre-approval process. He was always willing and able to answer any questions we had. He worked until the final hour to get us the best rate available! I have recommended him to a couple of friends who said they will use him when the time comes.
My wife and I used Ray to secure the mortgage for the purchase of our house.
Ray brought a sense of calm and comfort to what can be a very stressful time. He had all the information needed at the ready, and was able to talk us through our choices and explain the impact of each one so we could make the best choice for ourselves.
Ray has a positive and friendly attitude and brings a sense of experience well beyond his time serving in the industry.
My wife and I won’t hesitate to use his services again in the future, and highly recommend him to friends and family.
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