Frequently Asked Questions
Do I pay for a mortgage agent?
In most cases, no. Mortgage agents are typically paid by the lender once your mortgage is finalized. If a situation ever involves a fee, it will be discussed clearly and upfront so there are no surprises.
What documents do I need to get started?
Most lenders require proof of income (pay stubs, employment letters, tax documents), identification, information about your assets and debts, and details about the property you’re buying or refinancing. We will walk you through exactly what you need so the process feels simple and manageable.
Can you work with my bank?
Yes. You’re never limited to one lender. We can explore options from your bank and compare them with other lenders to make sure you’re getting the most competitive and suitable mortgage for your financial goals.
What credit score do I need?
A higher score opens doors to better rates and more lender options, but you don’t need perfect credit to get a mortgage. Part of our role is helping you understand where you stand and what pathways are available.
Can you help if I’m self-employed?
Yes. Many lenders offer products specifically designed for self-employed clients. We help you present your income clearly and explore lenders who understand entrepreneurial earning patterns.
Can you help first-time homebuyers?
Absolutely. We guide you through programs, incentives, down payment options, and lender requirements so you feel confident entering the market. Our approach is patient, educational, and grounded.
What if I’m refinancing or renewing?
We can review your current mortgage, explore alternatives, and negotiate on your behalf to make sure your next term supports your financial health. Many clients save money or improve their structure by exploring options outside their current lender.
Do you work with investment properties?
Yes. Whether it’s a second home, rental property, or expanding a portfolio, we can help you navigate lender requirements and find products suited to investment goals.
What makes working with a mortgage agent different from going directly to a bank?
Banks offer only their own products. A mortgage agent compares multiple lenders, explains options clearly, and advocates for the mortgage that truly aligns with your life and long-term well-being. It’s support, clarity, and choice—without the overwhelm.
What if I don’t know where to start?
You don’t need to. We are here to guide you from the very first conversation. We explore your goals, answer your questions, and take the process step by step so you feel grounded, informed, and supported from beginning to end.
Resources & Education
“Mortgage Basics Explained Simply”
A mortgage is a loan you use to buy a home, paid back over time through principal and interest. You can choose a fixed rate, which stays the same, or a variable rate, which can change as the market moves. Lenders look at your income, credit history, and down payment to determine what you qualify for. A mortgage agent helps you compare options across multiple lenders so you can choose the solution that truly supports your financial goals.
“What Lenders Really Look For”
Lenders look at three main areas: your income, your credit history, and your down payment, because these show your ability to manage and repay a mortgage. They also consider your existing debts and overall financial stability. Together, these pieces help lenders decide how much you qualify for and which mortgage options are the best fit for you.
We Handle The Questions For You
No matter how complex the topic, we break it down clearly and guide you through every step so you always feel supported, informed, and confident in your decisions.