Why a mortgage broker? The art of a securing a mortgage is the course nobody ever taught. In fact, everyone often refers to a bank giving us a mortgage. Truth be known, it is the homeowner who grants the bank a mortgage on their property, and cash is exchanged based on the bank’s share of your collateral. Yet it certainly doesn’t feel like the homeowner has the upper hand. That is, until now. Mortgage Intelligence Consultant simplifies the entire process of mortgage financing: we represent your best interests, we negotiate with the banks and various lenders for the best possible products and lowest possible rates, we do the paperwork and, ultimately, provide you with the peace-of-mind that you’re getting the best solution possible. The good news is that there is no cost to you for this service - our remuneration is ultimately provided by the selected lender. You stand to benefit from our collective market knowledge and exceptional negotiation skills, while avoiding the somewhat intimidating process of dealing directly with the lenders. I have been in the mortgage business for 10 years. I started, as a lender with Royal Trust and after a few years became an Area Manager of Lending responsible for developing mortgage business. I then joined the Royal Bank as a Mortgage Consultant and three years ago saw the light and became a Mortgage Broker. As a Mortgage Broker I am able to match my clients needs with a lender who will provide them with competitive rates and products. Canadian mortgages. When I explain my services to a potential client they tell me over and over again "Why doesn't everyone use a Mortgage Broker?" I enjoy working with clients and feel satisfied at the end of the day when I have negotiated the best mortgage for them. Mortgage Brokering is like a puzzle, every client has different needs, different strengths and weaknesses and I try to match them with the lender that fits. I graduated from the University of British Columbia with a bachelor of Education. I have never taught, but spend a lot of time educating my clients in mortgage features and the buying process. I enjoy many sports including golf, tennis, softball and volleyball. I have lived in the Kelowna area for 12 years and enjoy the beautiful scenery and the hot sunny summers. I enjoy the smaller city atmosphere where a lot of my clients are friends or friends of theirs. I would appreciate the opportunity to put my services to work for you and your friends.

Our Best Mortgage Rates

TERM	BANK	OURS
Variable	5.25 *%	*4.65 %**
6 Months	6.75%	6.25%
1 Year	7.20%	*5.45 %**
2 Years	7.35%	5.65%
3 Years	7.35%	*5.39 %**
4 Years	7.35%	*5.50%**
5 Years	7.39%	5.19%**
7 Years	7.65%	6.05%
10 Years	7.90%	6.15%
15 Years	N/A	6.90%
25 Years	N/A	7.00%

Client Resources: Checklist

With the following information we can approve you mortgage with Mortgage Intelligence more quickly:

	Offer to purchase
	Copy of the listing
	Signed mortgage application
	Verification of income for 3 years (self employed 3 years of Income tax returns and 3 years of company statements) an employment letter stating position, length of time on the job & salary and previous years t4's
	Application fee conventional - Appraisal cost ($321) high ratio full service - $165 or appraisal cost + $75
	Verification of downpayment gift letter and copy of deposit to account or account print out showing deposit copy of offer to purchase on sale copy of passbook or 4 months of bank statements copy of RRSP or investment statement
	Void cheque for payments
And for mortgage transfers or switches:
	Copy of fire insurance
	Copy of mortgage document
	Copy of mortgage renewal
	Copy of paid tax notice (mortgage statement)
	Copy of property assessment

All done with this checklist? Continue the process with our Moving Checklist