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Mortgage

Choosing a Broker or Lender

Is the company you are placing your trust in reputable? Are they registered and in good standing with the Financial Services Commission of Ontario (‘F.S.C.O.’)?
Does the company support and belong to industry associations which provide ongoing education and promote honesty and integrity in all dealings with the public?
Is the company a member of the Independent Mortgage Brokers Association of Ontario (IMBA) and the Canadian Association of Mortgage Professionals (CAMP)?
How long has the company been in business? Can they provide you decades of experience?
What is their combined years of experience? Remember, experience does not cost… it pays!
Does the company have many staff that can help you in case of one’s sickness or holiday? Or does your file sit on “hold” until that person returns to work?
Does the company insist you have your own legal representation before you actually sign the mortgage instrument?
Can the company provide you with many referrals of satisfied past and present customers?
Upon first contact – was the staff friendly, efficient and answer all of your questions, make you feel comfortable and not rush you?