Robert Clancy - Toronto Mortgage Broker - Toronto
Toronto Mortgage Broker, my role is to find the right mortgage for my client while making the process and overall experience memorable for them. Where some lenders deal specifically with niche markets such as commercial lending or niche clients such as real estate investors, a Toronto Mortgage Broker deals with a variety of mortgage lenders and clientele. Having access to over 50 different lenders in residential, commercial and constructing lending gives a Toronto Mortgage Broker a broad spectrum of client’s to work with and lenders to choose from.
My role is to guide and educate the client through the whole mortgage financing process. It is very important that the client understand the terms and conditions of the mortgage they are choosing and why we are taken that mortgage compared to other options.
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Business Operation Hours
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Monday
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9:00 AM to 5:00 PM
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Tuesday
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9:00 AM to
5:00 PM
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Wednesday
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9:00 AM to 5:00 PM
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Thursday
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9:00 AM to 5:00 PM
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Friday
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9:00 AM to 5:00 PM
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Saturday
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Closed
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Sunday
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Closed
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Additional Information
Where some lenders deal specifically with niche markets such as commercial lending or niche clients such as real estate investors, a Toronto Mortgage Broker deals with a variety of mortgage lenders and clientele.
property owners this is the most obvious route to take when looking to finance their homes an effective way. Although these loans are readily available, there is certain criterion to be met and most importantly is a good credit score. Whether this is the first time you are taking on the loan or is a refinance mortgage for the property, a favourable credit history will make it easier to get a loan from different kinds of lending institutions.
From the credit score, the client has got to have a good debt to income ratio because this is a clear indication to the lending institution that the punter will be able to handle the mortgage payments with ease. Should this ratio fall below the recommended levels, then chances of the mortgage application being denied will go up exponentially.
A down payment is required by different residential mortgage companies as a sign of commitment on the part of the borrower though the amount required upfront may vary from one organization to the next. Down payment can be as low as 5% for High ratio (insured) mortgages, 20% for conventional (uninsured) mortgages and 20% to 35% for high risk or private mortgages.
Product and Services
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Languages Spoken
English
