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The Benefits of Using a Professional Mortgage Broker
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Finding the right home may seem like the hard part of a real estate transaction, but in reality, getting the best financing can be much harder. This is partly because we have so many options nowadays for mortgage loans and so many places to find them. A mortgage broker or your local bank can provide your options clearly. They will be armed with what you want in terms of the loan term, ideal rate, targeted monthly payments and other items that you may not have considered. If you're smart, you will talk to them before you decide on purchasing your home so you really know your price range.

Using a mortgage broker is by far the best way to go about finding and arranging the very best mortgage to suit your specific needs. Trust in a specialist that knows how to package your application, what pitfalls to look out for, and how to protect your interests when dealing with the banks. Sure, you might get the same rate that a broker could get for you, but what you won’t get is all the facts about the mortgage that you have shopped for.

A mortgage broker/specialist navigates you around those banks with mortgages that appear to be the best deal out there, but fall short of your expectations. Brokered mortgages may not be as “flashy” on the exterior, but they will have all the “nuts and bolts” built into them to protect you from unforeseeable circumstances that often arise.

The benefits of using a professional mortgage broker include:

Reduce your stress and frustration. There are dozens of lenders from which to choose, so why not let an expert handle the application process for you? These days the forms and other data that are required for a loan application can be quite complicated, so it is wise to hand the entire process over to a professional.

Fewer complications. A seasoned mortgage professional will have years of experience, and that will help you navigate the tricky loan application waters that lie ahead. Let a broker’s know-how work to your benefit.

Help you get the best deal possible. Although you may be tempted to apply for the mortgage on your own, by hiring a professional you are assured of getting the best interest rate, the best payment plan, and the best deal in general.

Save your time. The most valuable of all commodities. A broker has the experience to make sure you get the best package for your individual needs.

Real personalization. Since the mortgage broker works for you (not the lenders), he or she offers you unbiased advice and helps you select the mortgage that's absolutely right for you. You get the personal service you just cannot get from a bank.

Service at no cost. Not only will a broker obtain the best mortgage rate for you, but broker services also cost you nothing.

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With Compliments of

Michele Vyge-Fraser
Real Estate Agent/ Associate Broker/ CNE®


Red Door Realty
1314 Martello Road
Chapter House
Halifax, Nova Scotia,
T: 902-830-6397
NovaScotiaRealEstate@gmail.com
www.HalifaxHomesandCondos.com




NATIONAL MORTGAGE RATES
Term Posted
Rates*
Best
Rates*
6 Months 3.34% 3.30%
1 Year 3.59% 3.19%
2 Years 3.74% 3.19%
3 Years 3.89% 3.09%
4 Years 3.95% 3.19%
5 Years 5.34% 3.09%
7 Years 5.80% 3.49%
10 Years 6.10% 3.44%
Variable Rate 2.90%
Prime Rate ** 3.95%
*last updated: July 15,2019


www.RedDoorRealty.ca
Exclusive Listing $525000!!!

Welcome to 3224 Union Street, Northend Halifax!


Backs onto Needham Park!! Imagine owning a very cool bright open concept home with Halifax Harbour Views, with direct path access from your backyard to the dog friendly Needham Memorial Park! In the vibrant north end of Halifax, walking distance to the Hydrostone Market, welcome to 3224 Union Street! This wonderful home and property offers 2 storey's, 3 bedrooms, 2 baths, recreation room and a sunny main floor passive solar extension with in-floor warm radiant heat. Hardwood floors and ceramic tile throughout, this home is made for easy living. Perched on a hill, the side and backyard give you quiet privacy and great spaces for entertaining. New windows, upgraded wiring, great kitchen and updated baths, freshly painted throughout, main floor laundry, fireplace and attached garage - this home is ready for new owners. Considered to be one of the best north end streets, this location is in a refreshingly friendly and charming neighborhood. And even more...? Rush hour does not apply to this location! Call for your viewing today!

Please click on the photo to visit the virtual tour at www.3224UnionStreet.com 
Coming back to market soon!...

Welcome to 22 O'Hara Drive in Wedgewood Park!


Spacious bungalow set back from the street has great curb appeal and is larger than it looks. Large kitchen, open concept lr/dr, 4 good size bedrooms plus 2 full baths! Incredible value!

List Price $319900.

Please click on the photo for the virtual tour at www.22OHaraDrive.com



New Listing!
5 bedroom, 2 full baths, deep backyard...

$239900. on Courtney Road, Dartmouth!

Family friendly - Walk to School, Churches, Parks and more!

Call for more details. 

Halifax Mortgage Specialist Bruce Lusby 

(902) 210-0515

http://mortgageweb.ca/BruceLusby

Halifax, Nova Scotia - updated Oct 6, 2015

Variable:

5yr @ Prime - .65% (2.05%)

HELOC @ Prime +.25% (2.95%)

Fixed:
1yr 2.29%
2yr 2.09%
3yr 2.24%
4yr 2.54%
5yr 2.54%
6yr 3.39%
7yr 3.44%
10yr 3.84%

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The material in this publication is provided for your informational purpose only and is not intended to substitute professional advice. If your property is currently listed with a Real Estate Broker, this publication is not intended as a solicitation.