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HOURS & LOCATION
Location
Hours
by Appointment
RENEW A MORTGAGE
Having multiple lenders compete for your business is a great way to get the best rate for your situation.
LETS TALK!
REFINANCING A PROPERTY
Accessing home equity through a refinance have always been an easy, low-cost way to get needed funds.
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BUYING A PROPERTY
I will help you find the best rates and suitable mortgage options to help you buy your dream home.
LETS TALK!
Whether you are a first-time buyer or an experienced buyer with excellent credit, the Spooner Group has access to the very best products and rates available across Canada. Give us a call… we think you’ll be pleasantly surprised!
Shirl Funk Mortgages
Why use a Mortgage Expert?
1. You are a mortgage expert first priority
Bank’s mortgage specialist, is motivated to sell you one of their mortgages, a mortgage experts from a brokerage's priority is finding a mortgage that’s tailored to your specific needs and budget.
2. A mortgage brokerage means more choice
A mortgage expert from a brokerage works with many different lenders, some of which offer competitive rates that are only accessible through a mortgage brokerage.
3. A mortgage experts saves you time
A mortgage expert takes much of the responsibility of finding the right mortgage for you, saving you time and worry. You don’t have to spend time researching and comparing mortgage rates, terms, and fees because they will. And the job of negotiating to get the best deal isn’t yours, it’s theirs.
4. A mortgage expert has specific training
Mortgage experts must successfully complete a provincially-regulated Mortgage Specialist course and exam. Then they must take professional development education courses to maintain their status.
Who is a Mortgage Expert?
- A mortgage expert is a licensed individual who helps you select the mortgage product that best suits your financing needs. They do this by comparing mortgage products offered by a variety of lenders
What's the difference between a bank and a mortgage expert?
- A mortgage expert is an intermediary who brings mortgage borrowers and mortgage lenders together, but who does not use their own funds to originate mortgages. A mortgage expert helps borrowers connect with lenders and seeks out the best fit in terms of the borrower's financial situation and interest-rate needs.
3 Steps from Start to Finish
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Are you qualify to get a mortgage?
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Identify the options and any issues
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Determine maximum loan amount available
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Likely terms, rates available
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Detailed documents and credit review to confirm you can indeed support a financing request
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Determine best lenders
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Formal lender approval request
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Mortgage funding