Frequently Asked Questions (FAQ)

Your Mortgage Questions, Answered

1. What does a mortgage broker do?

A mortgage broker acts as a middleman between you and potential lenders. We help you find the best loan option by comparing offers from a wide range of lenders, saving you time, effort, and often money.

2. Why should I use a mortgage broker instead of going directly to a bank?

Brokers have access to multiple lenders and loan products—not just one. This gives you more options and potentially better rates. Plus, we manage the paperwork and negotiate on your behalf.

3. Do I have to pay for your services?

In most cases, our services are free to you. Mortgage brokers are typically paid a commission by the lender once your loan is finalized. We'll always be transparent about any fees that may apply.

4. What types of loans do you offer?

We help with:

• First-time homebuyer loans
• Refinancing
• Investment property loans
• Self-employed & low-doc loans
• Construction loans
• Debt consolidation
• 5. How much can I borrow?
• Your borrowing capacity depends on factors like your income, expenses, credit history, and deposit size. We can conduct a pre-assessment to give you an accurate estimate.
• 6. What is pre-approval and do I need it?
• Pre-approval (or conditional approval) is when a lender assesses your financial situation and conditionally agrees to lend you a certain amount. It's highly recommended—it gives you a clear budget and shows sellers you're a serious buyer.
• 7. How long does the mortgage process take?
• Generally, it takes 2–4 weeks from application to formal approval, depending on your circumstances and the lender's processes. We’ll guide you every step of the way to help things move quickly.

Yes. We work with specialist lenders who cater to people with less-than-perfect credit. We'll assess your situation and help you explore suitable loan options.

9. What documents do I need to apply for a mortgage?

Typically, you’ll need:

• Proof of ID (driver’s license, passport)
• Proof of income (payslips, tax returns)
• Bank statements
• Details of current debts and assets

10. Can I refinance my mortgage with your help?

Absolutely. Whether you're looking to get a better interest rate, reduce monthly payments, or access equity, we can help you compare your refinancing options.

Still have questions?

⟃⌢ Call us:727-753-7800
⟃⌙ Email: Robert Frank

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