The Best Mortgage Brokers Near Me

If you are buying a personal property, an investment property, refinancing or if you are facing unmanageable or unwanted mortgage payments, it is in your best interest to have access to knowledgeable mortgage advice from the the best mortgage brokers and real estate consultants in regards to your situation. Our Company, GVCPS, is a well established Real Estate Investment Company that utilizes the services of the best mortgage brokers and real estate consultants in the real estate industry in Vancouver, BC, the Lower Mainland and Fraser Valley, BC.

We understand that it’s not easy to qualify for your own mortgage or even to be approved to be refinanced in today’s challenging real estate market with the new lending rules that have been recently applied. We also understand the stress and hassles that you face when you are experiencing difficulty paying your mortgage payments each month or when you just want out of your real estate situation for any reason. Discussing your mortgage situation and options with a good mortgage broker and real estate consultant is the key to finding the best solution to your situation and/or the best mortgage product that will suit your investment needs.

How Can Mortgage Advice Help You?

If you are experiencindifficulty making your mortgage payments each month, experiencing difficulty selling your property or if you just need relief from your mortgage and real estate situation for any reason, your mortgage broker or real estate consultant can help you find an immediate solution to your individual situation.

Through our Company’s Mortgage Take Over Program, we take over house payments and the property associated with it. We provide flexible, pre-negotiated Terms that can give you the best value for your property and can provide you with more money with none of the hassles normally involved in selling.

In most cases, we take over the entire mortgage payment as well as all of your other monthly financial obligations regarding the property on your behalf that may include; property taxes, property insurance, monthly strata fees as well as any repair or maintenance costs.

Through our Mortgage Take Over Program, you are provided with immediate monthly cash flow management solutions to unmanageable or unwanted mortgage payments along with protecting any equity you may have in the property and protecting your credit. Contact us today to discuss the solutions that we can provide to your situation 604-812-3718 or info@gvcps.ca.

Are You Looking to Refinance or Purchase a Property?

If you receive independent advice regarding your mortgage from a mortgage broker rather than just your individual bank, a mortgage broker will have access to multiple lenders with a wide variety of mortgage products rather than just one bank that will only be able to offer you a limited amount of mortgage products. The best mortgage brokers and real estate consultants can make a difference in finding an immediate solution to your individual mortgage situation and/or getting your mortgage application approved. Knowledgeable mortgage advisors and consultants will also get you a significantly better valued deal, potentially saving you thousands of dollars over your mortgage term. They will also help you choose the right mortgage solution and product to meet the needs of your individual situation.

One of the largest loans you will ever take on in your life is your mortgage. The loan is so big and getting approved with the lowest possible interest rate is not always simple. Previously, mortgage loans used to be limited only to banks and other lenders in your local area, but now, with the internet and modern banking regulations, you can expand your search online to find the best mortgage brokers and real estate consultants.

The best mortgage brokers are not restricted to any particular bank or lender and they will act solely in your best interests, providing you with peace of mind that the mortgage product they recommend will be the best available mortgage for your circumstances. When you are purchasing a property, the mortgage broker specializes in getting the best mortgage available for your needs. The mortgage broker will explain the various mortgage products and advise you on how much you can qualify for and help you prepare your application to increase your chances of being approved for a mortgage or a refinance.

We are pioneers in the mortgage and real estate industry and our specialized team of mortgage brokers and real estate consultants can offer you financial tools and expert advice to help you understand your options to your individual mortgage needs so you can make the best possible decisions.

Our Company’s Best Mortgage Brokers and Real Estate Consultants Specialize in the Following:

  • lowering your monthly payments
  • consolidating your debt
  • refinancing your property
  • providing second mortgages
  • bad credit refinance
  • reinstating your mortgage
  • helping you stop foreclosure
  • providing home equity loans, and
  • home equity lines of credit
  • new mortgages for a personal or investment property

Contact us today to discuss the solutions that we can provide to your individual mortgage and real estate situation 604-812-3718 or info@gvcps.ca. 

Best Mortgage Companies, Mortgage Brokers Near Me

Best Mortgage Companies, Mortgage Brokers Near Me – GVCPS:

Buying a property and being personally responsible for a mortgage is one of the biggest investments you’ll ever make and it can also be one of the most complicated. This is why it is important that you work with the best mortgage companies that will give you professional, unbiased advice that you know you can trust.

The Best Mortgage Companies operating today serve a valuable role in the real estate industry, originating and serving mortgages by providing beneficial options for prospective homeowners, those looking to refinance their mortgage and for those who are experiencing mortgage payment problems and need immediate solutions.

Our Company, GVC Property Solutions Inc., (GVCPS) is a well-established real estate investment Company. We are pioneers in the mortgage industry and our team of specialized mortgage brokers offer you financial tools and expertise advice to help you understand your options to your individual mortgage needs so you can make the best possible decisions. We specialize in getting the best mortgage available for your needs when you are purchasing a property and we are here to work for you, not the banks.

We also specialize in;

  • lowering your monthly payments
  • consolidating your debt
  • refinancing your property
  • providing second mortgages
  • bad credit refinance
  • reinstating your mortgage
  • helping you stop foreclosure
  • providing home equity loans, and
  • home equity lines of credit

Our Mortgage Brokers near you have access to more than 40 lenders including Canada’s largest Banks, Credit Unions, Trust Companies and private lenders.

Are you experiencing mortgage payment problems and need an immediate solution? Is your mortgage behind on payments? Have you been issued a demand letter from your mortgage lender? We can help. We will explain your situation to you in plain english and provide mortgage refinancing options that might be right for you.

We can help you Stop Foreclosure, reinstate your mortgage and consolidate your debts. Using your home equity, we can find manageable solutions to your mortgage financing needs. If you have minimal or no equity, we still have many options available to meet your needs. We can help make sense of your current situation and provide an immediate plan of action. Contact us 604-812-3718 or info@gvcps.ca. We offer Free Consultation and do not charge you any fees or commissions.

Our specialized mortgage brokers near you are also on top of all the latest trends and innovations in the mortgage industry – from the status of interest rates to the availability of alternative financing options. With our superior technology and commitment to taking care of our clients during and after the transaction, you can be assured that not only now, but in the future, you will always have the best rates and mortgage products available by using our Mortgage Professionals at GVCPS. The guidance we offer and information we provide is deeply researched, objective and independent.

Finding the best mortgage companies and mortgage brokers near me in the Lower Mainland BC, Fraser Valley BC and Squamish BC

Finding the Best Mortgage Companies – the one’s who are committed to finding you the best mortgage financing options available to you that are tailored to your specific financial goals, is essential. You want to work with Mortgage Brokers near you who have access to a wide range of lenders that will be competing for your business therefore offering a variety of products for you to choose from and the best interest rates possible.

If you are looking for an independent mortgage broker in your neighborhood, contact our highly specialized team of mortgage brokers at GVCPS 604-812-3718. For more information regarding our Company, please visit www.gvcps.ca

You can go to a local bank and accept one of their products only available to that institution or you can contact an Independent Mortgage Broker at GVCPS that can offer a variety of products for you to choose from and the best interest rates possible. Our Brokers have access to over 40 lenders including Canada’s largest Banks, Credit Unions, Trust Companies and private lenders. Our Brokers give you unbiased advice and take the time to go through all your financing options.

We will make sure that you are provided with the best mortgage financing options available to you. We are here to work for you, not the banks. Our Company will provide many options to your individual mortgage needs that will turn your dream into a reality that is realistic.

Who are these mystical, magical people who help you move into your new house or provide immediate solutions to your mortgage problems? They are the Best Mortgage Companies who you can rely on with  the best Mortgage Brokers near you:

  • Service: Our licensed mortgage brokers who works for you offers personalized, one-on-one service. They are very communicative and proactive, anticipating requests for documentation and other conditions. Our mortgage brokers are paid by the lenders that they place the mortgage with and do not get paid until they close a loan. Apart from their good ethics, our mortgage brokers have a great incentive to fight to get your mortgage loan closed. Our mortgage brokers are very friendly, positive people who will keep you constantly updated as to the status of your loan application.
  • Experience: Even if you have great credit, steady employment, satisfactory income, low LTV (loan to value), and an acceptable property value, you will be asked to provide many documents before underwriters approve funding.Knowing what the banks will ask for in advance is one of the big bonuses of using the services of our experienced mortgage brokers. Anticipating a lender’s loan conditions can save hours of frustration. One of the most important things a good mortgage broker can do is assemble a comprehensive document package from the borrower before submitting the loan to a lender. When the underwriter gets a complete package, it eliminates time wasted going back and forth as the underwriter demands documents from the borrower, who must respond with the documents or risk losing the loan.
  • Lower Rates: A good broker shops lenders to find the best rates. Since our mortgage brokers get wholesale rates from the big lenders, our brokers can pass these savings to you. Usually, the mortgage broker makes his/her money from the rebate paid by the lender to the broker for selling an interest rate that is higher than the “par” pricing rate. But the fact is that these rates are still much lower, on average, than a borrower can get when he goes directly to the lender. A borrower in a bank pays that bank’s retail rates, which are usually higher than wholesale rates.
  • Trust: Canadian laws require that all mortgage brokers be licensed and have a knowledge of financing. Because of the strict licensing requirements, all licensed mortgage brokers pass rigorous testing and background checks, including fingerprinting and criminal background checks. Professional and licensed mortgage brokers will have good financial history and no criminal convictions. It is very important you trust your mortgage professional since you will be trusting him or her with your most private financial information when applying for a loan. Ask your mortgage broker to see written testimonials and speak with your mortgage professional directly with any questions or concerns you may have. After having an open conversation with your mortgage broker professional you will clearly see if he or she is the right fit for your needs. Using the services of an experienced, trustworthy, licensed mortgage broker offers benefits to homeowners seeking a mortgage refinance or new mortgage that a bank just does not provide.

 

The best Mortgage Brokers Near you have three things in common:

 

They are widely available:

A mortgage company doesn’t have to be countrywide to be good. If you have heard excellent reviews and the best professional services about a local mortgage broker near you, you should contact them. Local mortgage brokers near you will process fewer loans every month than a countrywide broker, however, they will be able to provide you with more detailed personal service that you need when making important financial decisions regarding your mortgage.

They are creative:

Our mortgage brokers know how to overcome lender obstacles creatively without adding any unnecessary stress to the situation. Underwriters often respond to loan packages with conditions that defy reason and common sense. When nonsensical conditions are passed to borrowers without explanation, as is often the case in big banks, borrowers become confused and frustrated and often respond with documents the underwriter did not ask for.

Our mortgage brokers aren’t rattled by strange condition requests and give careful attention to the request before planning a precise response to clear the condition. This may mean helping a borrower to write a letter of explanation, or calling a credit card company with the borrower to get an item cleared from a credit report. Our mortgage brokers go the extra mile for our clients. You have your own personal advocate working strictly on your behalf.

They provide you with options:

Brokers are paid on commission, generally speaking, and brokers usually have no preference which loan you choose. At banks, executives offer incentives to their loan officers to push certain loans. These loans are lucrative for the company, but may not benefit the you. You are served best when you are presented with different options in an objective manner.

Experienced brokers offer a variety of loan options tailored to you and explain the pros and cons of each. The options the mortgage broker presents should be based on their conversations with you and the mortgage broker should know how to ask the right questions to find precisely what the best options are that provide the most benefit.

Just remember we are a phone call, online application or an email away and we are happy to answer any of your questions. Or, if you are ready, we can process your application or explore all of your options regarding servicing your existing mortgage. We have a genuine interest in real estate and have been operating for 25 years. Contact us anytime with any questions that you have to discuss what solutions we can provide to your mortgage situation.  We provide free consultation to discuss the different options that are available to you | 604-812-3718 or info@gvcps.ca

Mortgage Types and Terms

This post covers standard mortgage types and associated terms. Each bank, credit union and private lender may also offer their own specialized mortgages and terms.

Brought to you by: Kristen White

Term

The period of time your mortgage agreement will be in effect, including your interest rate and terms and conditions. At the end of the term, you either pay off the mortgage in full, renew it or possibly renegotiate your mortgage agreement (for example, decrease your amortization period). Terms are generally for six months to 10 years.

Prepayment Charge / Penalty

Your lender may require you to pay a charge if you want to make a prepayment greater than the amount allowed in your mortgage agreement, or pay off or break a closed mortgage before the end of the term. Sometimes also called a penalty. Prepayment Privilege Terms of your mortgage contract that allow you to pay an amount toward a closed mortgage on top of your regular payments, without triggering a prepayment charge. For example, you may be allowed to make lump-sum payments up to a certain amount or increase the amount of your regular mortgage payments.

Prepayment Penalty

A fee charged to you by the lender for making a prepayment greater than the amount allowed in your mortgage agreement, or for paying off a closed mortgage before the end of the term.

Open Mortgage

A mortgage that can be prepaid at any time during the term, without paying a prepayment charge. The interest rate on an open mortgage may be higher than on a closed mortgage with a similar term.

Closed Mortgage

A mortgage agreement that cannot be changed before the end of the term. Your lender may let you make certain prepayments without paying a charge, but you will usually have to pay a charge to break or change your mortgage agreement. Read more