Are you considering a Mortgage Refinance, a Home Purchase, a Second Mortgage, a Home Equity Line of Credit or a Variable Rate Mortgage or a Fixed Interest Rate Mortgage?
Welcome, Calgary homeowners and future Calgary homeowners, Steven Crews here.
As a Calgary Mortgage Broker (mortgage advisor / mortgage specialist), I am here to help you to arrange the best mortgage financing for your specific needs. Are you looking for the best mortgage rate, we have that! Do you wish to arrange a mortgage refinance, we can do that. Are you searching for a home to purchase and want to get pre-approved for a mortgage, we do that.
My team and I act as your advocate. We chat with you about what you wish to do, then we review the options available to accomplish your goals. These options may include a second mortgage, or a Home Equity Line of Credit, or a mortgage switch. (Did you know that you can move your mortgage to another lender at the end of the mortgage term without paying a penalty? Ask us how...)
Our specialty is to arrange the best financing for your needs. Whether that's a mortgage refinance, a second mortgage, a fixed mortgage or a variable mortgage or an adjustable mortgage, a home equity line of credit, mortgage renewal or mortgage switch, we have access to this and much more.
We are your advocate. When you go directly to a bank (or any lender) you are dealing with a person that is working for the bank (or lender) and because of their relationship with their employer, they are advocating for their employer. They are not necessarily advocating for you.
We work with many different lenders. We have a business relationship where we introduce our clients to these lenders. We help you to understand the differences between each offer and what is best for you. Sometimes, the best mortgage rate will come with restrictions that you just don't want. Sometimes, 2 or three lenders will offer the same low mortgage rate but one will have much better terms that the rest.
Many clients will ask about and talk about the best mortgage rate, but if that rate comes with additional fees, restrictions and stipulations, then you might be getting the "best rate", but you're not getting the best mortgage!
We help you to uncover the hidden costs and stipulations so that you can be an informed consumer. We pull back the curtain for you. You will understand what is involved in the process of getting a mortgage. You will be kept informed. You will have choice and you will understand the different options and choices you are making.
Many of my clients have saved thousands of dollars because they made the right choice up front. Sometimes, the choice that they made wasn't obvious when they compared the best mortgage rates offered by different lenders. In fact, the lender with the best mortgage rate would have cost them thousands 2 years later when they sold their home. But with our guidance, our clients make the right choices for their needs and save thousands of dollars because of it.
That's why our clients call us the Best Mortgage Broker in Calgary! The Best Mortgage Broker in Alberta!
First Time Home Buyer?
Are you a first time home buyer? Did you know there are 2 advantages you receive over other home purchasers? Find out what these are here,
Looking For a Pre-Approved Mortgage
Whether you are purchasing your first home or your next home, it's really important to find out how much you qualify for before you start searching for a home. If it's your first place, you don't want to fall in love with something, then find out you can't buy it.
If it's your next home, you may find out that you can qualify to purchase that home without having to sell your existing home right away. That can give you more negotiation power and potentially help you get a better price!
We have all sorts of information about the mortgage pre-approval process here:
Canadian Home Customization Plan
Did you know that you could get additional funds to customize your next home? We can help you to take advantage of a little known government program where you can get up to $40k of additional cash to make your next home purchase your dream home purchase.
My clients just love this program and 90% of them take advantage of this in one way or another. Check out how this works...
Let Me Shop All of the Canadian Banks For You To Get The Lowest Rate Possible, Without Hurting Your Credit Rating
Having worked for 2 of Canada’s largest banks as a Mortgage Lender/Bank Manager for over 10 years, I am very familiar with how the banks operate - and why using a mortgage broker allows you to shop for the lowest rate possible, with all of the Canadian Banks and Lending Institutions, without hurting your credit rating. But, it's not just about getting the lowest rate possible, if you aren't getting good terms. We help you to understand what mortgage you get so that you aren't stuck down the road when you want to, or need to make changes.
If you tried to do that yourself, each bank that you filled out an application with, would hurt your credit rating. When I do it for you, I get you the lowest rate possible and it doesn’t negatively affect your credit rating. Plus, because of my experience in the industry, I have many connections that no one else has.
Get The Steven Crews Advantage...
Take Advantage of My 17 Years Experience with mortgage lending as a broker and with 2 different Major Canadian Banks:
- I have helped people get the lowest mortgage rate possible - even at their own bank
- I have gotten people who had been turned down by their bank approved
- I have gotten first time home buyers with no down payment approved
- I have gotten self-employed people with no proof of income approved
- I can help you repair your credit
- I can come to you if necessary
- I can help you save tens of thousands of dollars in penalties by negotiating with your bank and utilizing some little known strategies.