Loan Confusion: There’s a Way Out!

Saturday, May 30, 2015, 6:00 AM | Leave Comment

Can I afford a house with a water view or with a park view? How much money do I have to put down? What is amortization? What’s a good interest rate? What forms do I need? What do FHA and LTT stand for?

Getting a mortgage for the first time always leads to confusion. Most first-time home buyers find themselves hunched over a computer in three-day old pyjamas. Their eyes are red from lack of sleep and an empty coffee cup by their side.

What’s worse is that lack of knowledge about paperwork, terms, and fine print leads to bad deals. Banks or lenders take advantage of you, and five years down the road you’re crunching numbers, selling electronics and taking extra shifts just to keep a roof over your head.

This is why it’s crucial to hire a broker – someone who sits down, finds you the best home loan, and walks you through it step-by-step to avoid any confusion.

Loan Confusion - There’s a Way Out!

  • Money, Money, Money

    Banks and other lenders are out for themselves – they’re businesses, so their job is to make money. The more you pay them, the bigger the pay check they take home at the end of the year.

    Brokers, however, understand the fine print. They work with the lenders to find you the best rate. The sooner they save you money, the sooner they get paid.

    This is because they work on commission – you don’t pay them a cent. Once you’ve signed your mortgage contract, the lender pays them for you!

    Instead of sinking thousands of dollars into a mortgage that doesn’t work for you, you save money on payments and spend it on date nights instead.

  • Now You Can Relax

    Brokers do all the work– they search every lender and read all the rates, percentages, and fine print. They consider every option, ask shrewd questions, and work to keep the rates steady, too.

    These are all things you’d have to spend hours researching before you could start. Instead, they already have the knowledge – and once they’ve done the work, they share it with you.

    After relaxing in the park with your family, a cold can in your hand and the smell of the BBQ on the wind, you simply walk into their office.

    You learn from a single, reliable source. No more confusion, no more lost time, and no more stress.

  • Tried and True

    You might be a little sceptical – after all, it sounds too good to be true. Someone else does the work, and for free? And they do it fast, saving time, confusion, and worry?

    Well it is true! Almost 100% of people who use brokers say they’d use one again.

    The majority of people who are new to brokers were referred by someone who was happy with theirs. So this your referral! Go find a broker, find the best mortgage, and move into your new house. Start your life stress-free.

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