Trusted Lenders

Affordable Services

Second mortgage is more affordable when compated to other types of loans. That’s why we strive to make our services as affordable as possible at all times.

Professional Team

Not only will we help you find the best mortgage products for you but we will take the time to make sure you understand what you are getting.

Quality Solutions

Whether you choose to apply for a second mortgage or another product such as a mortgage refinance, we find the best solution for your situation.

Fantastic Interest Rates

Why settle for high interest rate loans, when you can get a second mortgage at an amazing rate with Circle Mortgage Group.

If you are considering getting a first mortgage in Burlington or a mortgage product such as refinancing or second mortgage, then working with a mortgage broker is the key to getting the best rates and terms for your situation.

Why you should choose a mortgage broker in Burlington

Although it is possible to get a mortgage from your bank, or even to go to a private lender directly, doing so means that you could be leaving money on the table. Since even a small difference in interest percentage can lead to thousands of extra dollars saved or spent, you want to be sure that you are getting the best deal. A mortgage broker can help you achieve this by comparing the rates and terms of dozens of different lenders so that you can always be confident that you are getting the right mortgage solution.

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Another reason to choose a mortgage broker in Burlington is their expertise with specialty mortgages. A mortgage broker can help you get a mortgage even if you cannot get a mortgage through other avenues. For example, a mortgage broker can help you get a mortgage even when:

  • You have poor credit.
  • You are self-employed and cannot prove your income.
  • You are new to Canada.
  • You are seeking a mortgage for a non-standard term or on a non-traditional property.

How a Mortgage Broker can help you get the best rates:

As mentioned earlier, mortgage brokers work with a large number of lenders which allows them to compare the rates on various mortgages in order to get the best deals for their clients. In fact, some of the lenders that mortgage brokers work with can only be accessed through a mortgage broker – as these lenders do not work with the public directly.

Even if you have a specific lender in mind – such as your bank – your mortgage broker can often negotiate a better deal with that lender than they are offering you – which again, saves you money.

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How Mortgage Brokers help to get you a mortgage even with bad credit.

Make no mistake, having good credit means that it will be easier for you to get a mortgage at a great rate. But even if your credit is poor, this does not have to mean you are precluded from getting a mortgage. There are various types of mortgage lenders, and your mortgage broker in Burlington will be sure to be working with all of these types in order to best serve their clients.
A Lenders – These are traditional lenders such as banks and credit unions. To qualify for a mortgage with these lenders, you will need to have excellent credit.
B Lenders – These are institutional lenders who are willing to look at other factors beside credit rating to determine if a borrower is “worth the risk.” Although their interest rates are somewhat higher than that of A Lenders, this can be a good option for those with less than perfect credit who are looking for a mortgage.
Private Lenders – For those who’s credit isn’t good enough to qualify for a mortgage with even B lenders, working with a private lender is another option. A private lender is a company or individual that is willing to offer a home loan to an individual – a private lender may even be a friend or family member of the borrower. Mortgage brokers in Burlington can help you obtain a private mortgage – or if you already have lender, they can help to ensure that the mortgage is legal and that both parities are protected.

Tips to Choose a Mortgage Broker in Burlington

Finding the right mortgage broker in Burlington to meet your needs is incredibly important. You want to find someone who can help you get the best rates and terms for your mortgage. You also want to find someone with whom you feel very comfortable with since this is a person that you will be sharing financial information with.

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Happy Customers

Some tips for finding the right Burlington mortgage broker are:

Get referrals from friends and family members.

Read online reviews of mortgage brokers that you are interested in working with.

Review what the mortgage broker has to offer on their website.

Contact the mortgage broker for an “interview” to see if you feel comfortable with them.

FAQ

1How reliable is a Mortgage Broker?

Mortgage Brokers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs. Mortgage Brokers primary expertise is locating funding for mortgage financing. They know where the best rates can be found. What’s more, they have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.

2Other than rates, why should I use a Mortgage Broker?

In addition to rates, because mortgage-based financing is the broker’s primary business, he or she has developed expertise in what type of mortgage financing each lender prefers to pursue. This kind of knowledge not only results in the most favorable rates for each project, but often whether a project is funded at all.

3How do Mortgage Brokers Find Superior Rates?

Interest rates are a concern to borrowers. Because of their daily contact with lenders, brokers know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage brokers. These rates, and preferences for types of mortgages, can change daily, depending on economic circumstances or based on the size of an institution’s portfolio in a particular type of mortgage. Your Mortgage Broker keeps current and knows which lender to approach first. As a result, mortgage rates obtained by Brokers are among the best available at the time of placement.

4 Where can I get some?

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