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I have been in the mortgage industry since 2010 and started my career with Fairway Mortgage, working for Dave Gallegos. Thank you TRG Mortgage, Isaiah and his team for helping us out with getting our credit enhanced! Such broker is an institution or an individual specializing in offering natural or legal advice in regard to mortgage loans obtainable in Calgary.
Mortgage brokers enter into an agency agreement with at least one bank, stating clearly the terms and conditions by which it can arrange bank products. The broker is responsible for finding loans according to your credit needs, choosing from a multitude of offers on the market.
The first benefit that you have when working with a mortgage broker is that you can get the best offers explained to you right from the start. Not least in the initial decision phase, the broker can be helpful in determining currency credit on the chart type (constant or decreasing rates), income eligibility, guarantee if any, etc.


The advantage of working with a mortgage broker: it allows you to choose the best credit offers existing in banks. Intermediation (creation) of the mortgage application fee is made 0, thus saving you a significant amount of money. These are the main reasons why customers should consider resorting to the services of a Calgary mortgage broker such as Mortgages for Less. The broker is an intermediary between the client and the banking system and offers a wide and diverse range of lending instruments.
A mortgage broker cannot approve or reject a credit file, that decision belongs, usually, to the bank that takes the file for analysis. Depending on the case, a case can be very difficult and the broker or person undertakes to communicate and send the bank in the name and with customer documents and information necessary until the request will be answered. Whether you visit the branch bank credit or credit by the broker, the costs are absolutely the same. Thus, a small portion of these funds are diverted to investment in the form of commission brokers, with banks winning on two fronts; less investment and wider customer portfolio.


We strive to make every step of the mortgage process as simple and straightforward as possible. Chris has a knack for efficiently and clearly explaining the ins and outs of the mortgage process, and had our best interest in mind from start to finish. After a year of Processing, I developed a love for mortgages and the direct impact of being able to help people purchase homes and accomplish the American Dream.
I then decided to take the next step and become a Mortgage Loan Originator in July of 2011.
The mortgage broker is a specialist who knows well the lending market, how bank works, and even people who established a trusting relationship and can have a significant impact at the point where the file is stuck.



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