Family Mortgage Guy
Our founder, Curtis Arnold, is a passionate and caring mortgage broker.
Curtis believes that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. He is here to serve your mortgage needs and has what it takes to make a difference in your next mortgage transaction.
With access to over 50 of Canada’s Top Lending institutions, Curtis can place all types of mortgages including purchases, refinances, equity takeouts, debt consolidations, renewals and mortgages for self employed. Call today and get a free quote and overview of current market conditions affecting the mortgage market!
Family Mortgage Guy
Our founder, Curtis Arnold, is a passionate and caring mortgage broker.
With access to over 50 of Canada’s Top Lending institutions, Curtis can place all types of mortgages including purchases, refinances, equity takeouts, debt consolidations, renewals and mortgages for self employed. Call today and get a free quote and overview of current market conditions affecting the mortgage market!
Great Support
We work hard to earn your business so we give you plenty of options to get started at your convenience. You can apply online, over the phone or in person … whatever works best for you! Whether it’s after hours or weekends, at your home or place of business…we’re here to make it easy!
It's Easy
If your bank is making it difficult to get a mortgage, then maybe you’re at the wrong place! If you’re self-employed, new to Canada or have a below than average credit score, we’ll work hard to get you an affordable mortgage.
Get Started
It doesn’t take long for us to put together the best game plan mortgage strategy. We work for you, not the banks! We comparison shop alot of banks…so you get the best rates and terms based on your financial situation. Call us today to get started.
Free Mortgage Evaluation - Just ask
So why deal with a Mortgage Broker?
Mortgage Brokers represent you, the customer, not the lender. Because they are not employees of a lending institution, Brokers are not limited in the product they can offer you. Brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds.
There is a wide assortment of options and features available to homebuyers today. Shopping around takes a lot of time and effort. The mortgage process within today’s very competitive marketplace intimidates many Canadian homebuyers. It pays to work with a mortgage professional who will represent you and ensure the mortgage you get is the one best suited to your needs.
Choosing the wrong mortgage can cost you thousands of extra dollars. Mortgage Brokers are trained professionals who can help you save on your mortgage dollar.
How 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.
Why should I go to a Mortgage Broker first?
A professional presentation to a lender on the first application will get the best response and save you valuable time and money. Secondary applications with previous credit bureau inquiries may be more costly.
Often the success of obtaining mortgage approval depends on the way a proposal is presented and to whom it is sent. Your Mortgage Broker is trained to present your mortgage proposal where and how it will get the most immediate, positive result.
You don’t call an insurance company for insurance – you use an insurance broker, because of their expertise, product knowledge and rates. So remember, call your mortgage broker first!
How do Brokers get better deals than many Banks?
The lenders who work with mortgage brokers include traditional sources, such as chartered banks, trust companies, as well as corporate and private pension funds.
In addition to these sources, brokers often develop professional relationships with private sources of funds, termed private lenders. These lenders can provide many various mortgage products not available at conventional sources.
Other 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 favourable rates for each project, but often whether a project is funded at all.
What’s up? … or down? (RATES)
Due to fluctuating financial markets, mortgage rates change often!
Contact us today to receive current rates and a complimentary in-depth quote and overview of current market conditions affecting the mortgage market.