Your credit history is an integral part of the mortgage approval process because that history is a reliable indicator of how you will manage your mortgage and your finances in the future. Your credit score provides a snap shot of your perceived lending risk at a particular moment in time. It can change from month to month, which provides a great opportunity for you to improve your score if you need to with the right credit behaviours.
Unfortunately, a less-than-stellar credit rating can affect your ability to get the best mortgage rates. You may not realize how much money your credit situation could cost you. That's why it's a good idea to talk a Mortgage Consultant as soon as you can. We can review your situation and coach you on how best to improve your credit over time. As your good credit history becomes established, in due course your borrowing options will increase. If you wish to get a mortgage while you work on bettering your score, we can also advise you on how that may be possible.
Your good credit is your passport to financial opportunities!
Gary is very knowledgeable at what he does. He went above and beyond to help me get a great rate, I will definitely recommend him to anyone without blinking an eye. You make me feel comfortable during the whole process. I just want to say a big thank you for everything you have done for me and my family
Gary is definitely a gem in not only the world of mortgages but overall as a person. He goes above and beyond to help and do whatever he can to help. Gary has helped us and went out of his way to make things work. He is kind, smart and has amazing customer service. We highly recommend him to everyone.
Gary is a fabulous and very knowledgeable. He went above and beyond to help us get a great rate!! We highly recommend him to everyone!! Thank you sooo much Gary for everything you have done for our family!!
I was very happy with the professionalism and courtesy provided to us by Gary and his team in navigating and procuring for us a great deal on a rather large, $215K, 2nd mortgage to help complete our extensive home renovations. Many Brokers will promise and not deliver but Gary and his extensive contacts and experience in this industry enabled us to quickly secure a 2nd mortgage and achieve our goals.
Gary's work ethic is fantastic. Not only is he organized, aware and thorough with his clients, he truly does approach each situation with 3 options. I appreciate the fact that he does not rely on one option ONLY to service his clients. This is particularly important at times when the market fluctuates or when things simply happen outside of our control. Gary, you have my highest recommendation.