Well, really? I would of been very surprised if mortgage lenders haven't come up with an idea to fit more people into their box, called; qualifying. The truth is mortgage lenders are out to get their funds earning a profit as much as mortgage borrowers need financing on their home, whether they are purchasing and or refinancing their existing home.
Now this is when is gets little tricky in a borrower point of view; some of this mortgage lenders are not available online and on the street corner with a smiling bank teller and manager, not even a mortgage officer. These mortgage lenders are only available through mortgage brokers like us.
More to it, you must equip yourself with knowledge, have all the information needed to make the right decision. Most people think; well, I will listen to my mortgage broker, he or she knows, "why do I need to know all that, I am not about to get into the profession." " My broker knows, and it is good enough for me." AHHH (buzzzz) Wrong. You mortgage broker, if he or she is any good, possessing knowledge about mortgage products, rates and know all the lenders, the good ones anyway, whom your file if it is packaged right have the best chance to get approved. However your broker need to know about your circumstances, your needs, your plan and other pertaining information to best serve your best interest. Now, if you know some what the broker does, you will supply the right information and the plan what your broker will cook up for you will work and down the road in a year or two you will not feel you must run for cover and or you got a rotten deal from your most trusted adviser, your mortgage broker.
Finally comes to the end to all this gibberish, you must take your time to find the right mortgage broker, the one listens and the one will give you the time of the day to provide you with a free session of information and also asks you question, even some of them are not the most comfortable, but believe me not, the more personal it gets, the better your interest will be represented.
This is how we do business. If you think you might be interested to talk to us, be most assured, we care, we will look at you as a member of our family, and we will treat you just like we would like to be treated. With courtesy, professionalism and with a big smile. After all we would not exists if it would of not been for you.