I'm a licenced Mortgage Broker serving the GTA and surrounding areas.
The big question Is who do you work for Ray?
I work for you, not the bank.
Who pays you?
The bank, trust company or credit union that's funding the mortgage pays a finder's fee to me, however there are situations that the borrower would pay a broker fee, for example a file that requires more attention like using a private lender would require a broker fee, because private lenders don't normally pay a finders fee. in that case, the Broker/Agent would get paid from the proceeds on closing.
When it comes to mortgages, refinancing, or debt consolidation,
my experience, passion and expertise works for you. My working relationship with lenders will help secure you the best possible rate.
Do you enjoy being a Mortgage Broker?
Yes! It makes me happy to help my clients with their financial needs.
* I AM NOT OBLIGATED TO ANY LENDERS. THEY COMPETE FOR YOUR BUSINESS. THE MORAL OF THE STORY IS, THE BEST OFFER WINS.*
Hamilton, Burlington, Mississauga, Toronto and Niagara Areas.