When you work with a mortgage broker, like Dominion Lending Centres Homestead Financial, you access a variety of mortgage products from different lenders, unlike banks that only offer their products. Mortgage brokers work to find the best mortgage tailored to your needs and provide unbiased advice. They represent a significant portion of mortgage originations, increasingly preferred over banks due to their flexibility and convenience. They work for you, not the bank, and offer the convenience of starting the process online from anywhere.

Using a mortgage broker is typically free, as they are paid by the lender. In cases of subprime and private lending, a fee may be applicable, but there are no hidden fees. Transparency and full disclosure are key aspects of the service.

Yes, Dominion Lending Centres Homestead Financial is a licensed mortgage broker in Ontario. The license number with the Financial Services Regulatory Authority of Ontario (FSRA) is 11711. My Mortgage Agent Level 1 license # is M23007436.

The required documents depend on your specific goal and situation, with proof of income and down payment being the most crucial for purchasing. A full list of required documents is provided once your situation is understood.

Dominion Lending Centres Homestead Financial prioritizes privacy and data security, employing advanced encryption technologies like TLS and S/MIME, with client data stored on Salesforce. Their security measures are continually updated, ensuring a high level of data protection, exceeding that of less technologically proficient competitors.

Our experienced team guides you through the mortgage process, handling all details and providing personalized advice. From deciphering terms to analyzing rates, we make the process straightforward and stress-free, ensuring you stay informed without feeling overwhelmed.

No, there's no need to change your banking habits or open a new account. You can continue your current banking practices while enjoying all the benefits of our services.

We tailor mortgage rates specifically for you, taking into account several key factors such as the type of property, its value, the nature of the mortgage (whether it's insured, insurable, or conventional), the loan-to-value ratio, and the length of the term and amortization. Our primary goal is to ensure you save money as well as secure the best possible rate. It's important to note that sometimes the lowest advertised rate is not always the best choice, as it can be misleading. Our approach is to find you the rate that best aligns with your individual financial situation.

We welcome all your questions and are dedicated to providing thorough answers and personal attention. We ensure you feel confident and informed throughout the process.

Absolutely, we serve clients all over Ontario. While in-person meetings are possible, they are not required. We offer remote services via Email, Phone, Text, FaceTime, Zoom, etc.

Yes, mortgage options are available for self-employed borrowers. We understand the unique challenges and have tailored solutions for self-employed individuals.

Credit issues don't disqualify you from obtaining a mortgage. We explore various options, including approvals based on equity, to help you achieve your financial goals despite credit blemishes. We aim to provide solutions and assistance without judgment.

Understanding that choosing a mortgage is a significant decision, we recognize that sometimes you might not be ready to commit or might choose a different path. That's a natural part of working as a mortgage agent. There's absolutely no obligation or pressure to use our services after consultation. Our focus is on providing exceptional service and advice, prioritizing your comfort and understanding above all else.

We are here to answer your questions and explore your options, even if you're not ready to take action immediately. Our goal is to leave a lasting impression of quality and trustworthiness, so that when you are ready, or if someone you know needs mortgage advice, we'll be the first ones you think of. It's about building lasting relationships, not just closing deals. So, feel free to reach out, learn your options, and know that there are no hard feelings if you decide to go a different route. Your satisfaction and confidence in your financial decisions are what matter most to us.