Blog – Page 3 – Best Refinance

Absolutely not … and for several reasons: When a deal comes through a mortgage broker, the lender knows that the broker is aware of the rates offered by other institutions and will take the deal elsewhere if they don’t at least match those rates. Every time your credit bureau is pulled by a lender your …

Lenders base fixed mortgage rates on bond yields. The most recent bond yields can be found on the Bank of Canada website. This site is really cool because you can track where interest rates have been for the last decade. You will notice that bond yields are far lower than the rates consumers are charged. …

A common question we get in this age of the “highly” inflated real estate market is: I don’t have 20% down but I don’t want to pay insurance… is there an alternative?? Luckily for you, there is! Since EXPERT MORTGAGE is both a broker and a lender, we can lend you the difference between your …

A question that comes up fairly frequently in the renewal process of a mortgage: If I switch my mortgage from my bank to another lender to get a better rate, are there any fees? Neither we nor the new lender will charge you any fees. All legal fees and appraisal costs are absorbed by the …

There are no fees paid by borrowers on qualified residential first mortgages. Lenders pay EXPERT MORTGAGE a “finder’s fee” for us to direct you to them. For example, if you take a $200,000 residential first mortgage for a 5 year fixed term, most lenders will pay us about $1,500. So unlike bank employees who get …

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