Gerry Shand
Gerry Shand
Mortgage Associate
780.4.SIMPLE (474.6753)
cell: 780.910.7031
fax: 1.866.484.1670
10 Reasons You Need To Call Today To Discuss Your Mortgage Needs
“Knowledge is potential power; applied knowledge is real power. Only 30% of Albertans use a Mortgage Associate for their needs – and here are the facts that they know that drives their choice”
Dear Friend:
Thank you for responding. My name is Gerry Shand, and I am a licensed Mortgage Associate in Alberta.
For most people in Alberta buying a house usually means going to their existing financial institution and applying for a mortgage. If you didn’t realize you had some choices in this you would also do the same thing. But you probably realized that you had a unique situation where using a Mortgage Associate.
A Little Bit Of Knowledge Can Make The Difference
Over the years I have helped many people do just that by analyzing and restructuring their deals. Unfortunately most people don’t realize that it is possible.
What Stops Most People?
- They think that they have to have perfect credit
- They think that they can’t because of a previous financial issues
- They think they have to have lots of equity
- That they must able to prove their income
- They do not know the choices that are out there, or
- They think they have too much debt for anyone to consider them.
This may all be true if you go somewhere else and ask, but the fact of the matter is that we have many lenders who are more realistic and flexible in their approval practices and have many different options that may fit your unique situation.
The 10 Reasons – Ask Yourself the Following Questions:
1. What level of service are you going to get with your existing lender?
An employee at the average lending institution is responsible for 168 customers. Only a few specialize in mortgage lending and quite often work two or more branches as “road warriors.” When you sat down with them to assess your needs, did they take as much time as was needed to ensure you were getting the loan that suited all your needs?
2. Does your lender make house calls?
I do. There was a customer who was very busy and we ended up meeting for the first time at the hospital on a sunny Saturday afternoon in the summer to sign off the final paperwork to get the mortgage approved for their first home.
3. Do you have the time to keep up to date with changes to the mortgage rules?
They are constantly changing. It is my role to keep on top of them saving you time.
4. Did you know the rates can change daily?
They do and no one lender has the lowest rates for all their programs.
5. Did you know you had so many lending choices?
When you deal with me, you can have access to several lenders plus many others including private funds.
6. Did you know our services are free?
Our services are commission based and these fees are paid by the lender. Only in unusual situations would a fee be charged and in this case it would be disclosed up front. It is in these cases I can do for you what other lenders may not be able to.
7. Does your lender always give you a great rate?
There was a customer who had a mortgage renewal on a rental property. He was an established customer with an excellent credit history but with our help he was still able to get a lower rate with his existing lender that saved him about $4600 over five years.
8. What if your existing lender changes their lending criteria?
One week your loan can be funded by your lender but if you do not have a commitment in place, things can change next week and you can be left without financing at the worst possible time. It is always important to have a game plan in place so these surprises do not happen. I can help you plan and avoid these situations.
9. Do you have the time to put all this together to get a great deal?
The two most precious commodities you have are time and money. There are lots of stories out there of people who have lost money at one time or another but always found a way to make it back. But once a second is gone, it is gone FOREVER! Your time is valuable! If you take your annual salary and divide that number by 2000, this is what your time is worth on an hourly basis. So if it takes you 100 hours or more to process a loan by yourself, that money can add up very quickly.
10. Can your existing lender help with specialized financial services?
Can they offer the following?
a. New home purchase
b. Mortgage renewals
c. Refinancing to consolidate debt and reduce your interest rate
d. Rental property mortgages
I offer these services and more.
Summing It All Up
You now know the benefits of using me to help you with your financing requirements.
Won’t it feel good knowing you got the deal in place that suits all of your requirements and at a great rate?
In today’s economic climate of tighter credit requirements, changing rules and increased choice, there’s no doubt that many people may not fit into the traditional financing models as easily as they once did.
Your best solution is to consult with me to determine your best course of action.
So, what to do next?
Well, I know that is a lot for you to take in so I am happy to spend some time with you and answer any questions you have about your requirements. You are welcome to call me during normal business hours. If you’re ready, I can even collect the information needed to suggest the best possible course of action for you personally.
Or, of course, you can do nothing and continue wondering if you really did get a properly structured deal with all the choices out there.
So feel free to call today to discuss your specific loan requirements so I can connect you to your opportunity.
I look forward to hearing from you.
Sincerely,
Gerry Shand, Mortgage Associate
