Toronto Mortgages

Toronto Mortgage Broker

If you are in need of a Home Loan then you are in need of a Mortgage Broker or Accredited Mortgage Professional. 

A few reasons why:

• Access to all major Canadian Banks and Lenders with One Application
  Brokers have access to over 50 banks right from their desk through a secure electronic connection
• Your Credit Report is Accessed Once so your Credit Score Doesn't Drop
  Going from bank to bank shopping for the BEST RATE is actually lowering your Beacon Score.
• Knowledge and Experience from a Highly Trained and Dedicated Finance Professional
  Do you really want to trust your largest financial decision to someone that sells Home Insurance, GIC, RRSP's, Savings Accounts and Mutual Funds? How knowledgeable can they really be?
• Time is Always of the Essence and Your Time is Valuable
  You are busy, your family is busy, so let one of our Brokers do all of the leg work to get your Best Home Loan Deal - the Best Rate and Best Terms - It Just Makes Sense!
• What do those Legal Terms actually mean?
  Most likely you know bits and pieces, have talked about loan rates, etc. with friends but do you know the legalities of a loan approval document and what it all really means?

You’re in the market for a mortgage.

Maybe you are a 1st time buyer, or possibly someone looking to move and upgrade.

Maybe you are renewing or looking to renegotiate to do some renovations or consolidate debt.

Finding someone to help you with your mortgage needs can be just as stressful as finding the right mortgage product.

With a marketplace full of options, one looking the same as the other, how do you differentiate and know you are making the right choice?

What makes one mortgage broker stand out from another to give you the confidence that you are getting a “partner” to help make sure your best interests are always put at the forefront of every transaction? The mortgage industry has made this decision an easy one.

Think Mortgage. Think AMP!

The Canadian Association of Accredited Mortgage Professional (CAAMP), formerly known as CIMBL is the national organization representing Canada’s mortgage professionals.

CAAMP has instituted a professional designation within the mortgage industry to help protect consumers, and give them a standard in which to consider when seeking the guidance of a mortgage professional.

An Accredited Mortgage Professional (AMP) is dedicated to finding the right mortgage solution based on the needs and goals of the consumer.

The following are what differentiate an AMP from the rest in the marketplace:

It is the only national designation for mortgage professionals in Canada

Sets a single National Proficiency Standard for mortgage industry professionals

Introduced and regulated by CIMBL (now CAAMP), to enhance the level of ethics and integrity of professionals in the mortgage industry

Commitment to on going education and industry practices and products to continue providing up to date knowledge and value to instill confidence in consumers in all facets of the mortgage process

To achieve an AMP designation:

• The Mortgage Professional must first be registered as an active member of CAAMP, the industry regulator.
• A minimum of 2 years of industry experience is required to be considered for the AMP designation.
• Required educational courses are focused on knowledge of the mortgage and lending industry, as well as ethical standards and practices.
• A candidate must then obtain letters of reference and recommendation from “2” current holders of the AMP designation who are in good standing with CAAMP, to ensure “validation” of the character of the candidate.
• Even after an AMP earns their designation, they must complete ten hours of continuing education every year, to ensure they are constantly upgrading themselves to be of service to their clients.

By instituting the AMP designation, CAAMP has help to “raise the bar” in the careers of more than 3,200 mortgage professionals across Canada.

This respected designation is the pinnacle of achievement for mortgage planning professionals.

Holders of this designation have shown their commitment to the industry by dedicating themselves to the highest level professionalism, ethical standards, and service.

Recently, a lot of advertising for the awareness of the AMP symbol of excellence has been launched, with more to come in the near future.

So next time you need sound mortgage advice - Think Mortgage, Think AMP.

In a world that moves at the speed of light it really pays to let a skilled professional assist you with any large financial decisions. 

You really don't need to go from bank branch to bank branch to get approved for your best home loan deal.  Not to mention the fact that these days not all banks have branches but they may have a better deal.

An Accredited Mortgage Professional can get your purchase loan or refinance loan approved in less than 12 hours and close in less than 2 weeks.

When you build a team of Expert Advisors including those experienced in Mortgages, Law, Real Estate, Insurance, Financial Planning, Real Estate Appraisal, and Home Inspection you can rest assured that your Best Interests are handled well. 

You owe it to your family to get the right information to make the best finance decisions.

Toronto Mortgages from a Toronto Mortgage Broker