Message From Author

Paramjit S. Girn

Welcome! Besides preparing quality content, we help Ontario residents leverage their time and banks money efficiently to make them mortgage free quicker. Having said that, allow me to invite you to meet our licensed mortgage expert for an eye opening, no obligation mortgage strategy session. Everyone who attends it, loves it. We are almost certain you will too.

FAQ for Mortgage Seekers

Following are some of the most common asked questions asked by home buyers, Mortgage Refinancing and Real Estate Investors who inquire about our mortgage services.

 

Answer:

It depends what you define as service. For the benefit of simplicity, I like to break service down into 2 different categories.

  1. Client Service- a mortgage professional’s ability to answer questions, get your loan approved and stay in touch with regular updates before and after the deal closes.
  2. Product Customization- a mortgage professional’s ability to assess and determine your unique situation (including your credit, your current financial situation, and your short and long term plans) so that they can find a mortgage product that is perfectly customized for your particular needs.

Using this two part definition for “service” it is highly unlikely that you will get the same service at your bank and here’s why…

Answer:

No. My service is absolutely free. I get paid by the lender that we determine is best suites for your needs, so you get to enjoy the advantage of saving time and money with my service- for FREE!

Answer:

If you refer back to the chart above you’ll notice that is certainly not true. Unless you or your spouse is a bank employee, or a bank share holder, I can’t think of one good reason why you wouldn’t want to take advantage of the significant time and money savings I provide.

Answer:

Simply put- I GUARANTEE it in writing: “Apply for a Mortgage Through Me, and if I Can’t Find You the Absolute Best Rates And Terms, I’ll Personally Refer You to Someone Who Can!“

On occasion I’ve had to do exactly that – refer my client to someone else – because we found another lender that had the best product for my client’s needs. Even though I don’t get paid when that happens… I’m always amazed how richly rewarded I am for doing the right thing. Those rare occasions have brought me loads of referrals and a best of all… a clear conscience.

Answer:

Some lenders do offer a higher level of compensation than others. But frankly, it is so insignificant that it doesn’t make one iota of difference to me or my lifestyle. Over the years I’ve learned that if I don’t do whatever it takes to help my client find the best mortgage possible, it costs me dearly in lost good will, lost referrals and lost repeat business. That’s why I’m committed to providing unbiased professional advice that is in your best interest. Your success is my success! Period.

Answer:

T It’s always good to save money on those various closing costs. We all like saving money. Just make sure you ask the following questions to be sure you don’t get stung with thousands of dollars in unnecessary fees and interest...

  1. Am I certain that this mortgage is customized to my unique goals and needs?
  2. Will this mortgage allow me to pay the least amount of interest over the entire term of my mortgage?
  3. Are the terms of my mortgage flexible enough to avoid paying extra fees?

If you can answer all of these questions to your satisfaction, it might be a good option for you. If not, I would suggest giving me a call to explore all of your options.