Any of the good Toronto mortgage brokers will not hide the fact that a mortgage is often the longest financial commitment you make. Toronto Mortgage brokers would also point out that finding the right mortgage lender is as crucial as finding the right property. There are a lot of mortgage lenders on the market, but not all mortgages are built the same (just like not all mortgage brokers) - not all of them will do the best job protecting you and your family's funds and future goals. That is exactly why you need a knowledgeable and experienced specialist that will help you find the right mortgage lenders, and work hard to make sure you have the peace of mind.
Rita Tkach is a full service mortgage consultant in Toronto, Ontario. Whether you're a first time home buyer,
buying your next home or refinancing your property, Rita offers tailored solution at the lowest rate.
She is committed to making your financing process as easy as possible having the best value in mind.
Having access to the best mortgage products and pricing in the industry, you will save thousands or pay off your mortgage faster.
WARM SERVICE
In our office service comes first! Happy clients are our primary goal. That is why I and my team work around
the clock to ensure your type of financing is exactly tailored to fit your unique lifestyle.
We will work with you on a plan to help you achieve your financial goals.
When you have been dealing with a bank for many years you expect them to give you the best mortgage rate. Unfortunately, banks have a rate called their "posted rate" which is anywhere from 1% to 2% higher than their "discounted rate". When you walk into a bank and ask for a mortgage, they will try to get away with offering you their posted rate.
So what is the difference between a mortgage broker and a personal banker in obtaining a mortgage anyway?
Bank Loan Officers
The loan officers at a bank, credit union or other lending institution are employees whose job it is to sell and process mortgages, equity financing and other loans originating with the institution, who employs them. In dealing with a bank you only deal with one lender. TD loan officers are not going to recommend CIBC products or those of any other competitor. So, while each bank may have a wide variety of loans types in their portfolio, all are the financial products of that particular lender, and hence your abilities of getting the best rates are bounded.
Most people will trust that the personal banker would look after their interests and just sign the forms as presented. This could end up costing you thousands of dollars!
Mortgage Brokers
A mortgage broker such as Rita Tkach is an independent consultant who works with multiple lenders - over 40 financial institutions including Ontario major banks, trust companies, credit unions and finance companies.
A mortgage broker is not an employee, but a freelance agent. The mortgage broker counsels you on the loans available from different lenders, takes your application, and usually processes the loan which involves putting together the complete file of information about your transaction including the credit report, appraisal, verification of your employment and assets, and so on.
Your mortgage can be obtained from an institution with the beat rate - this could be locally in Toronto and GTA, provincially anywhere in Ontario or anywhere in Canada. As the mortgage broker is doing the 'leg-work', you don't have to spend the time and energy searching for the lowest rate yourself.
GREAT RATES
We are currently working with over 40 financial institutions including Ontario major banks!
Unbelievable rates are available, lower than the bank rates! Enjoy these special rates along with special
programs from various Ontario mortgage lenders for refinancing, home improvement programs, self-employed programs,
0% down payment and mortgage after bankruptcy services.
Loans and lines of credit are also available along with other financial options from Ontario mortgage lenders.
SPECIAL GIFT TO ALL MY CLIENTS
Mortgage brokers know the best rate a lender can offer. If your bank won't or can't offer you the lowest mortgage rate in Canada, a quick online application on this site will get you the information you need.
Why wait? Contact Us Today!
Tkach, Rita Ronit
AMP Senior Mortgage Consultant
Real Mortgage Associates Inc.