Q. Is it best to shop around when looking for a mortgage or any kind of financing? Is this a good idea?
A. No! Shopping around for different lenders can hurt your credit score. Every lender you deal with will pull a credit bureau on you, and each time a credit bureau is requested your score goes down anywhere from 10 to 50 points. As your consultant, we pull one credit bureau and then we can do the shopping for you.
Q. Why should I go through a consultant rather than dealing with a bank?A. You have the power of one versus many. One bank is just one company with limited financing options. We deal with a multitude of lending companies giving us the ability to find the financing that you are looking for. This mean the best terms and interest rates that will save you thousands of dollars.
Q. We are looking to get a mortgage but we have bad credit. Is credit an issue?
A. Credit is not always an issue. Since we work with a multitude of lenders we have more options and the ability to put together creative financing.
Q. We are looking to get financing but we live outside of Canada. Do you work outside the country?A. Yes, since we work with lenders around the world, we have the ability to work with people across Canada, the United States and around the world.