Why Use A Mortgage Professional

Defining Mortgage Agent/Broker

A mortgage agent, or mortgage broker, acts a licensed intermediary who brokers mortgage loans on behalf of individuals or businesses. Traditionally, banks and other lending institutions have sold their own products. As markets for mortgages have become more competitive, however, the role of the mortgage broker has become more popular. In many developed mortgage markets today, (especially in Canada and the United States of America) mortgage brokers are the largest sellers of mortgage products for lenders. Mortgage brokers exist to find a bank or a direct lender that will be willing to issue a specific loan an individual is seeking. Mortgage brokers in Canada are paid by the lender and typically do not charge fees.

More Options, Better Products, and Great Rates

While your bank may have served you well in the past for some products, it’s important to consider all of your options when making perhaps the biggest decision of your life. Banks are often limited only to their own products and strict rates, which are not always the lowest. That’s why Shane recommends using a mortgage professional who, like himself, offers an array of options at great low rates.

While having access to hundreds of lenders, including big banks, monoline lenders, credit unions, trust companies, and private lenders, all of whom offer competitively low rates and outstanding choices in mortgage products, is one of the biggest advantages of using a mortgage professional – it’s just the beginning. From professional tailored service to much higher approval rates, you can trust Shane and his team.

Use a Mortgage Professional

Whether you’re purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it’s important that you are making an educated decision with professional unbiased advice. That’s where Shane, a licensed Mortgage Agent with Mortgage Architects (MA), and his expert team can help you to navigate the complex mortgage industry.

Canada’s largest banks, monoline lenders, credit unions, and trust companies, have teamed up with Mortgage Architects to offer you rates, products, and services that are only available through their mortgage professionals. For example, the Mortgage Architects mortgage product line has an array of home financing solutions that are only available to MA mortgage professionals and their clients, thereby giving you exclusive VIP offers.

I’m dedicated to finding my valued clients the right mortgage at a great rate. All the while, I provide an unwavering commitment to an excellent client experience, leaving my clients trusting they’ve received truly unbiased advice and the best product possible. Best of all, my service is completely free for my clients (O.A.C.). Shop wisely and contact me now to experience the difference an expert broker can make for you.

― Shane Osmond, Mortgage Professional

Benefits of Using a Mortgage Professional

Extensive Lending Options

Shane and his team have access to hundreds of established and trusted lenders who service Mortgage Architect brokers, including big banks, credit unions, and trust companies, and an array of private lenders. It's not only likely that we work with your primary bank, but can provide financing options from most main street banks in addition to smaller institutions as well. All of this means that Shane has access to wider financing options and can confidentially find a trusted lender, who each carry their own specific lending criteria and requirements, that will fit your unique financing needs.

Great Competitive Lower Rates

Don't be fooled by gimmicky websites or rates advertised simply to draw you in, Shane and his team offer transparent and honest mortgage rate advice and real exclusive offers through our lending partners. When obtaining mortgage financing through Shane, you can shop confidently knowing that you are receiving your lowest rate possible. While your bank is limited to their own products and rates, Shane searches hundreds of lenders to find the product that is right for you and offered at a great rate. In doing so, you can save thousands of dollars over the lifetime of your mortgage.

Diverse Mortgage Products

Not only does working with hundreds of lenders, including big banks, credit unions, and trust companies, mean that Shane and his team can find the right lender for you, it also means that he and his team are able to find you the best mortgage product. With new products introduced regularly, Shane is constantly keeping informed on industry changes and is knowledgeable on an extensive database of products to find you mortgage financing that meets your unique needs. As such, you can be confident that you've got a product that you both want and need and are receiving it at the great rates.

Ready to apply for your mortgage financing?

Apply now to have Shane and his experienced team review your mortgage application and contact you for an entirely free mortgage consultation to understand your goals and discuss your financing options in better detail. Not ready to apply now? Contact Shane instead.

Professional Licensed Service

Many bank representatives who offer mortgage services are not required to be licensed by the government department regulating financial services (Financial Services Commission of Ontario (FSCO)) as they provide only a limited number of mortgage products offered solely by their bank. As a mortgage professional offering a wide range of complex mortgage products in an ever-changing industry, Shane and his team are required to be licensed. As such, Shane has undergone extensive government regulated training and has been through a thorough background check, including criminal record, mandated by the government.

Experienced & Expert Tailored Advice

As a mortgage agent with Mortgage Architects, Shane has undergone extensive training and has financial services experience that allows him to offer his valued clients expert mortgage advice, backed by a team with countless years of experience in our industry. He takes the time with each and every client to understand their precise needs and provide unbiased advice in a free consultation with no required commitment. With a detailed knowledge of the ever-changing industry, Shane is able to ensure that his clients make informed decisions, with available options presented to them that always benefit their financial situation.

High Approval Rate, Regardless of Situation

While banks are notorious for declining clients who fall outside of their strict lending criteria, Shane works with an array of lenders who understand the unique needs of those with non-conventional income or bruised credit. Shane will work tirelessly, and without hesitation or delay, to search lenders from coast-to-coast who will approve you for financing in your unique situation; whether you are self-employed or have a recovering credit score. Working in strict confidence in a non-judgemental environment, Shane works to understand your details and pair you with a lender who will help you to achieve your financing goals.

Receive a FREE expert mortgage consultation

Contact Shane and his experienced team now to schedule a free mortgage consultation, online, over the phone, or in person, in a secure, confidential and non-judgemental environment to discuss possible financing options and create a plan to move toward achieving your goals.

Fast & Convenient Service, Inc. Weekends

While banks may require countless time consuming in-person signatures and endless appointments to arrange your financing, a mortgage professional like Shane offers the flexibility to work around your schedule. With the ability to work online, Shane services clients throughout Ontario and Canada, offering fast and convenient service while striving to achieve a maximum two hour response time from 8 a.m. to 8 p.m., 7 days a week, with most responses within minutes. Stop working around a banker's tight schedule and experience the difference of having a mortgage professional working for you.

Secure Cutting-Edge Technology

Using the latest in secure technology, much of the mortgage financing process with Shane can be completed from the comfort on your home or workplace, allowing you to avoid having to schedule appointments, battle traffic, and take time away from your work and family. While the ability to meet in-person is always available, Shane provides the option to use secure encrypted voice and video services throughout your mortgage financing experience. Furthermore, your personal information is always held within encrypted storage using maximum security.

Ongoing Mortgage Care & Support

As a true partner throughout your mortgage financing, Shane continues this relationship even when your financing is complete. With a client for life approach, Shane seeks to serve you, your family, and your business for years to come and continues to provide the same exceptional dedication to excellent service whenever a question or concern may arise throughout the lifetime of your mortgage. Whether you're looking to move, approaching your mortgage renewal date, or simply curious about the terms and conditions of your current mortgage, Shane is always here to serve you.