At Home Fast Funding Inc our only job is finding you the best loan program available. As a broker we represent YOU the client not a bank or lender. Because we are independent and not tied to just one product line, it allows wholesale lender competition and CHOICE. Since we are unbiased we can search all lending sources and find the best possible rates and programs currently available. We even offer consumers that ability right here on our website to check multiple lenders simulaneously using our Product and Pricing engine.
Our skills go beyond shopping for the best available financing, we use our expertise to present your loan application in the best possible light in order to obtain optimal financing.
Why using a Mortgage Broker is a Smart Financial Decision
Mortgage Brokers, as licensed and independent professionals, are equipped to offer expert guidance and representation for your mortgage requirements.
Their primary expertise lies in securing mortgage financing, and they possess the knowledge to present your financing proposal to lenders effectively, ensuring successful mortgage approval.
Wondering why you should choose a Mortgage Broker over a bank?
Brokers act in your best interest, not the lender's, and they have the flexibility to offer a wide range of products from different sources, including Chartered Banks, Trust or Insurance Companies, and Private Funds.
With the abundance of homebuyer options available today, the mortgage process can be daunting. Collaborating with a Mortgage Broker guarantees representation tailored to your needs and helps you avoid costly mistakes, ultimately saving you money.
There are numerous reasons to consider using a Mortgage Broker:
1. Access to various lenders, banks, trust companies, and financial institutions.
2. Quick credit and loan pre-approvals without obligations.
3. Expertise in matching you with the most suitable mortgage.
4. Working for you, not the bank.
5. Staying updated on market mortgage rates, terms, and repayment options.
6. Specializing exclusively in mortgages and staying informed about current industry trends.
7. Enhancing market competition to keep rates competitive.
8. Saving you time and money.
9. Having a vested interest in satisfying your needs due to reliance on referrals and repeat business.
Apart from competitive rates, there's another compelling reason to choose a Mortgage Broker: their in-depth knowledge of each lender's preferences for mortgage financing, which can impact the approval process and rates offered.
So, how do Mortgage Brokers secure superior rates?
They maintain close relationships with lenders and are aware of which institutions offer favorable rates for specific projects. Some lenders exclusively consider mortgage submissions from brokers. Mortgage rates obtained through Brokers are typically among the most favorable at the time of application.
Why start with a Mortgage Broker first?
Brokers present your proposal professionally and strategically to lenders, increasing the likelihood of a swift and positive response. This approach can save you time and money compared to multiple credit inquiries with secondary applications.
Much like you consult an insurance broker for insurance due to their expertise, product knowledge, and competitive rates, it's wise to reach out to your Mortgage Broker first for your mortgage needs.
Mortgage Brokers secure better deals than many banks by collaborating with a diverse range of lenders, including traditional sources like chartered banks, trust companies, corporate, and private pension funds. Additionally, Brokers establish professional relationships with private lenders, who offer various mortgage products not available through conventional channels.