Whether you are buying, renewing or refinancing, here is what I take care of. My service is always free for you: the lender pays me.
A first home or the next one. We start with a pre-approval, so you know your budget before you shop and your offer stands on firm ground.
Your bank’s renewal letter is an opening offer, not the final word. Before you sign it, I check it against other lenders.
A refinance replaces your mortgage with a new one before the term ends, often to pay off higher-interest debt, pay for a renovation or lower the payment. It usually carries a penalty, so the numbers come first.
Four steps, at no cost to you, and you always know where you stand.
We talk through your goals, your timeline and your numbers. No paperwork yet.
One application, shown to several lenders. You get your options in writing, with the total cost, not only the rate.
I handle the documents, the appraisal and the lender’s conditions.
I work with your lawyer through closing, thank you with a gift, then call you well before your renewal.
Nothing is needed for the first call. When we apply, lenders usually ask for these.
Tell me a little about your situation and I will get back to you. My service is always free for you.
Tyler SomersMortgage Agent
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