If you are looking to purchase or refinance, if you wish to switch your current mortgage or want to be pre-qualified to buy a home, Personal Choice Mortgage Services and its expert team of mortgage agents will help you achieve this! It's what we do!
As a mortgage brokerage firm, not only is it our responsibility to shop for the best rates, which we will endeavor to do, but it is just as important to find the best mortgage product that suits you and your long-term financing needs.We will strive to create a client-for-life relationship. This not only includes your repeat business, but your much-appreciated referral business.
As a mortgage brokerage firm, not only is it our responsibility to shop for the best rates, which we will endeavor to do, but it is just as important to find the best mortgage product that suits you and your long-term financing needs.We will strive to create a client-for-life relationship. This not only includes your repeat business, but your much-appreciated referral business.
Services
Personal Choice Mortgage Services Inc. was founded in 1997. As frequent changes to mortgage regulations led to an increased demand for the expertise and independent counsel of mortgage brokers, Mary Carey recognized the advantages a small but well-connected firm had to offer, including the ability to form a more personal connection with clients.
Requesting a pre-qualification or pre-approval allows you to shop for a property within your price range with the comfort of knowing that financing is available, subject to the lender reviewing the desired property. A pre-approval, based on your current financial review and credit check, determines the amount you can borrow, the size of your mortgage payments and your interest rate, which is then guaranteed for a maximum of 120 days.
As independent mortgage brokers and mortgage agents, we're not tied to any one lender or range of products. Our goal is to help you successfully finance your home or property. We'll start by getting to know you and your homeownership goals. We'll make a recommendation, drawing from available mortgage products that match your needs, and we will decide together on what's right for you.
No! We get paid by the lender (financial institution) who agrees to finance your mortgage. This "finder's fee" is our compensation for bringing them worthy residential customers like you. These fees are similar from lender to lender, so there is no incentive for us to favor one over the other.
In very rare cases, such as if the applicant has non-standard credit or we are arranging a second mortgage for which we are not properly compensated, a brokerage fee may be charged.Otherwise only in the case of commercial financing is a fee charged. Please note that as a licensed mortgage brokerage, the Financial Services Regulatory Authority (FSRA) and the Mortgage Brokers Act govern us.
In very rare cases, such as if the applicant has non-standard credit or we are arranging a second mortgage for which we are not properly compensated, a brokerage fee may be charged.Otherwise only in the case of commercial financing is a fee charged. Please note that as a licensed mortgage brokerage, the Financial Services Regulatory Authority (FSRA) and the Mortgage Brokers Act govern us.
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