Canadian Real Estate/Expert Profile

Expertise

I can provide information and assistance on all aspects of obtaining a mortgage in Canada. I can clarify the requirements for both resident and non-resident borrowers, and address virtually any question or concern regarding financing your purchase of a Canadian property. I have access to a wide variety of lenders, and will obtain the mortgage product that best suits your needs. My considerable experience, coupled with an extensive network of industry professionals will serve to make buying a home in Canada a simpler and more comfortable experience. mortgagebycinzia@gmail.com; www.wemortgagecanada.ca/mortgage_brokers/cinzia-dalgarno.php

Experience in the area

During my 26 years in the mortgage industry I have gathered a wide range of business contacts; from A-level banks to private lenders, realtors, lawyers and notaries, and am very familiar with the numerous products offered. An extensive understanding of Canadian lending practices has shown me the importance of having an Accredited Mortgage Professional working for you.

Organizations

Member of CAAMP; Member of MBABC

Education/Credentials

A.I.C.B. (Associate Degree, Institute of Canadian Bankers); AMP (Accredited Mortgage Professional)

What do you like about this subject?

I love everything about mortgages. I enjoy the puzzle of putting a deal together, finding a way to make a complicated scenario work, getting my clients the very best rate, helping to make buying a first home a simple, non-terrifying experience.

What do you still hope to achieve/learn in this field?

There are new products all the time, and policies change constantly. I'm always learning!

Something interesting about this subject that others may not know:

This is, of course, specific to Canada... There are many different lenders, each with slightly different policies and products; a mortgage broker will match you with the lender that has the product you most need, and will get you the best rate possible, which of course, has many variables...how strong is your application, how good is your credit, etc.etc.etc.

Something controversial or provocative about this subject

Some mortgage brokers charge an additional fee on top of the fee they are paid by the bank; is this the right thing to do? Don't be afraid to ask your broker some questions: how long have they been a broker, do they charge a fee, what banks do they have a contract with (not all brokers can deal with all banks). Buying a home is a huge decision - make it an informed one. Brokers work for YOU.