You're looking for a house but you have many questions regarding home financing.

• What are all the costs involved in making this purchase and can I afford to make this step?
  
  

Due to the recession many people experienced financial difficulties, and now may not be sure if they qualify to be a home owner. Maybe you already own a home and have questions regarding your current mortgage and your options to refinance and purchase a new home.

• Where can you get unbiased advice regarding these questions and maximize the benefits to you?

Mortgage consultants act in a correspondent type relationship with the banks, trust and insurance companies usually earning our fees from the lender and can therefore provide our professional services at no cost to the consumer. This is generally the case, but in certain difficult situations, fees may apply.

Mortgage financing has become very complex with constantly changing rates, terms and conditions. Choosing the mortgage that is best suited to your special needs has never been more difficult. Banks, Trust and Insurance Companies are continually inventing new mortgage products to capture your attention, and hopefully your business. In addition, ensuring that you get the best possible rate and product depends on aggressively shopping the mortgage marketplace. Often a mortgage lender's posted rate may not be it's best rate. You may be able to qualify for a rate reduction, but not know it. A mortgage consultant will also look at the rest of your debt obligations and determine if they can be restuctured to lower your interest costs.

In this industry we are constantly updated on rate changes and new products being introduced in the market so you can choose from the widest range of options and obtain the most competitive rate and best product. Our extensive network of Financial Institutions has enabled many clients to obtain savings averaging from 3/4 % to 1.0 % below posted lender rates.

Before you make what is likely to be the biggest financial decision of your life give
Cathy Trewin, Accredited Mortgage Professional a call.