There has long been the belief that the “bank” was the best place to go when searching out a mortgage. That based on your long term banking relationship they will give you the best mortgage possible. The mortgage broker was the person you saw if you had less than stellar credit and your bank had turned you away.
In actuality it is quite the opposite. Mortgage brokers deal with all clients from the best credit to slightly bruised credit. There are many mortgage rates and products available from an array of lenders, and as you would a medical diagnosis, a second opinion on your mortgage offer is always in your best interest.
Where banks are limited to their own rates and products, Mortgage Brokers provide mortgages from a variety of lenders. This means many options are available, often with access to the same bank you may have visited but with a better rate. The Mortgage Broker works for you not for the lender. With one application and one check on your credit bureau, a broker can shop your mortgage. Working with a Mortgage Broker will help you avoid repeated checks on your credit bureau which could ultimately reduce your credit score. Best of all the services provided to you by a Mortgage Broker are free, with only a very few exceptions.
Situated at 2446 Beacon Ave. in the old “Candy Shop” you will find over 20 years of mortgage and real estate experience. Locally owned and operated, Mortgage Depot has been arranging mortgages for over 19 years. The Sidney Mortgage Depot is a family run office with Arlene Modderman, her daughter Sherri Brown and close friend Krista Lawless. Arlene Modderman is known as the Gulf Island specialist with offices in Victoria, Sidney and Salt Spring Island. Krista Lawless and Sherri Brown operate as the Lawless Brown Mortgage Team with offices in Victoria and Sidney. With various convenient locations and an interactive websites, the Accredited Mortgage Professionals (AMP’s) of Sidney Mortgage Depot are easily accessible.
These ladies believe that excellent customer service and the best mortgage products go hand in hand. They will make the mortgage process as comfortable and stress free as possible and while professionalism and privacy are top priority, it is important to know that they will find the lowest rates and best mortgage product suited for your individual needs.
Your home can be your biggest asset and is deserving of the best attention to make sure you have the most suitable products to maximize your investment.
Krista Lawless
Sherri Brown
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