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Your Trusted Mortgage Broker in Milton

Certified Mortgage Broker in Milton

Do you need a mortgage but you are not sure where to start? At Certified Mortgage Brokers we are committed to making it easy for you to secure the mortgage you need. Our mortgage broker in Milton will discuss your financial goals, search for the best mortgage provider on your behalf and help you get the best mortgage terms.

Your Trusted Mortgage Broker

We take great pride in being a reliable mortgage broker in Milton. We work with new home buyers, people in need of refinancing options and persons who have been turned down by banks. Get in touch with us today and give us a chance to earn your trust.

Why choose Certified Mortgage Broker in Milton?

We make your closing hassle-free

We understand how complicated it can be to secure a loan. The commitment of our mortgage broker in Milton is to offer comprehensive services that ensure you get the best mortgage, fast and for the best deal.

We Help You Find the Best Mortgage Rates Out There

Our job as Certified Mortgage Brokers is to simplify the process of buying a home. Our highly trained and experienced team will provide you with the expertise you need to navigate the process, understand the terms and get the best mortgage. Our large pool of lenders make it easy for you to find the best mortgage fast.

We are Experts at Mortgage Refinancing

Mortgage refinancing is the best option when you want to consolidate your debts. The process is, however, not as straightforward. This is where we come in. Our mortgage broker in Milton will help you understand if mortgage refinancing is a good option for you or not. We will also guide you through the process so that you understand the terms of the loan, easily transfer money, debts and so much more.

We Offer You Personalized Services

When you come to us, the first thing we do is sit down with you to discuss your financial goals.This enables us to understand the type of mortgage you need and the terms that will be fair for you. We then shop around for the best combination of interest rates, fees and terms & conditions. We then provide you with several mortgage options for you to pick from.

As the most recommended mortgage brokers in Milton, we have a duty of care when giving you advice on mortgages and loans. Our team is trained and licensed to provide unbiased advice.

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We Help You Save Time and Money

To save you time and money, our mortgage broker in Milton will offer you access to several lenders and mortgage options. We will also help you pick the mortgage that is a perfect fit and get you pre-approved. Our connection with lenders helps you get the best mortgage for your circumstances.

We are familiar with the changes in legislation. We use our contacts and knowledge to structure for you a loan that is specific to your needs. We are your best bet if you were recently denied a loan by banks and other conventional lenders.

Services We Offer

First-time buyers

We are happy to help you know how much you can afford based on your income, spending and debts. Our mortgage broker will further help you find and secure the mortgage that is perfect for you.

Mortgage Refinancing

Are you interested in mortgage refinancing? We can help you determine if it is the best option for you. Our mortgage broker in Milton will further give you a hassle-free experience when searching for the best mortgage refinancing option and help you secure the mortgage that has the best terms.

Mortgage Renewals

When the mortgage term comes to an end and you haven’t cleared your loan, you need to renew your mortgage term. When this time comes, we will help you renegotiate the best terms and conditions. We are also happy to help you increase or reduce your repayments, get variable or fixed interest rates as well as renegotiate prepayment penalties.

Private Mortgage

It is much easier to secure a private mortgage. If you have been turned down by traditional lenders such as banks or need quick funding, we are happy to help you find the best private lender in Milton. Our mortgage broker will also help you negotiate the best terms as well as get the loan super-fast. Private mortgages are perfect for people who are self-employed, those with less than perfect credit scores and someone with an unconventional property that banks will not finance. A private mortgage is also for you if you need a second mortgage for debt consolidation, renovations or investments.

Second Mortgage

Our mortgage broker in Milton is happy to help you with the market valuation of your property and calculate the mortgage you can qualify for. We will also go the extra mile to help you find the best private lender that offers you the best deal.

Self-employed (mortgages)

If you are self-employed, lenders believe your income is hard to prove or is unpredictable. As a result, they will turn you down. Our mortgage broker will help prove your income to the mortgage providers and help you find a private lender that offers the best terms.

Construction Financing

If you want to build your own home or buy a building that is part of new development, you will need construction financing. We understand that it is harder to get construction financing. That is why we work hard to help you find the best lender and secure construction financing at the best terms.

HELOC

HELOC (Home Equity Line of Credit) is a loan you secure against the equity of your home. This loan can give you the perfect way to reduce the cost of your debt. The duty of our mortgage broker in Milton will be helping you shop around for the best HELOC and negotiate for you the best terms. Our connection with several lenders enables us to save our clients thousands of dollars.

Google Reviews

Certified Mortgage Brokers
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Sean Hammond
2019-08-29

I had to port a mortgage to a new condo, Leon had excellent knowledge to get me through the approval process. When the bank made an error, Leon was quick to contact them to make sure everything was done right and on time. He is very professional and courteous and I recommend his service to anyone who wishes to apply for a mortgage.

Ronald McDonald
2019-08-27

Giving them 5/5 stars. Massoud helped me with my mortgage and he never missed a beat. He made the process very straightforward as a first time home buyer. Shopped around for other mortgages but he was always the first to get things for me. Highly recommend him

Shannon Jones
2019-08-23

I was looking to renew my mortgage and my previous lender was less than willing to do anything to keep my business. So I started to look for another brokerage to do business with and Certified Mortgage Broker stood out purely based on my interactions with Massoud. Massoud was professional and clearly had a keen sense of customer service; which I make a high priority when doing business with anyone since I'm in the customer service business myself. Peter rolled out the red carpet for me, walked me through my options, inquired about my plans with my current property, give me opinions and facts about rentals in the area, sales/purchases. In some respects he gave me more information about real estate than my real estate agent has!

Glen Plummer
2019-08-20

Selling and buying a home is a stressful experience and Leon with CMB in North York took all of the stress out of arranging the financing. He was very professional and clear about what I needed to provide to him. He used this information to arrange the best mortgage option on our new home, arranged the bridge loan to cover the closing period differential, and arranged closing out the mortgage with the previous lender.. Our experience with Leon is far better than the local in-person brokers that we contacted previously and Leon has helped us with a mortgage renewal in the past with the same excellent experience.

Colleen Power
2019-07-31

Leon returned my called from a missed call within 15 minutes of my call and I left no message. Leon and his team were fantastic. Even with the money issues we had Leon made me feel important and valued as a person.

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Certified Mortgage Broker Milton

Commonly asked questions about mortgages in Milton

What is a mortgage?

This is a property loan. The property being purchased is held as the collateral against the loan. A mortgage includes an agreement between the mortgage provider and the borrower. The agreement contains the terms and conditions of the mortgage. The principal is the amount borrowed.

How Much Do I Need for the Down Payment?

A down payment is the initial amount you pay upfront to get a mortgage. The amount you pay will depend on the value of your property. The amount can be as low as 5% of the total value. However, if you pay a down payment that is less than 20%, you will be required to buy mortgage default insurance. The down payment is deducted from the price of the property and the balance is covered by the mortgage.

What Mortgage Payment Choices Do I Have?

  • Open mortgage repayment plan: With this plan, you will be permitted to pay the mortgage off at any time during the term of the mortgage. The plan includes a fixed rate when the term is 6 to 12 months long or variable interest rates if the term is 3 to 5 years. Due to the flexibility this plan offers, you get to pay a higher interest rate.
  • Closed Mortgage Plan: Payments are usually made as per the agreed terms. Paying the mortgage in full early can result in penalties. The benefit of a closed mortgage plan is low-interest rates.

What are the Benefits of a Pre-Approved Mortgage?

  • Save time and effort by only looking at properties you can afford
  • You will know upfront what down payment is needed and what the monthly repayments will be
  • Sellers are more likely to give your offer serious consideration because they know you have money available
  • Pre-approval is valid for 60, 90 or 120 days and carries no cost or obligation

Terms You Should Know When Closing a Mortgage

  • Amortization: Length of time it takes to pay the mortgage off
  • Appraisal: Professional evaluation of the value of a property
  • Deposit: Payment made to secure a piece of property
  • Down payment: The amount a buyer has to pay from his own pocket for the property
  • Home inspection fee: Cost of inspecting the structural integrity of a property
  • Loan to value ratio: Size of mortgage measured against the value of property
  • Prepayment option: An option in a closed mortgage that enables you to make specific early payments against the principal amount
  • Property transfer tax: Tax due when a property is transferred to another owner
  • Mortgage loan insurance: Insurance a buyer has to pay when their down payment is less than 20%
  • Term: The timespan of a mortgage agreement. You can renew the term or find a new mortgage when it comes to term

Fixed Vs. Variable Rates

Fixed interest rates remain the same throughout the term of a mortgage. The rates are much higher than variable rates but offer the borrower stability because they know how much they need to pay each month. When you have a tight budget, our mortgage broker in Milton will recommend these fixed rates.

Variable interest rates are linked to the prime interest rates. While they are less expensive, they are less predictable because they move up and down along the prime rate.

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