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Kelly Prsa
10 Great reasons to use Kelly Prsa as your Mortgage Agent
12/15/2015
1 Get independent advice on your financial options
As independent mortgage agent, I am not tied to any one lender or range of products. My goal is to help you successfully finance your home or property. I will start by getting to know you and your homeownership goals. I will make a recommendation, drawing from available mortgage products that match your needs, and we will decide together on what’s right for you.
2 Save time with one-stop shopping
It could take weeks for you to organize appointments with competing mortgage lenders — and I know you’d probably rather spend your time house-hunting! I work directly with dozens of lenders, and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient.
3 I negotiate on your behalf
Many people are uncertain or uncomfortable negotiating mortgages directly with their bank.
4 More choice means more competitive rates
I have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, I also know what’s being offered by credit unions, trust companies, and other sources. And I can help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price.
5 Ensure that you're getting the best rates and terms
Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! Let me investigate to see if there is an alternative to better suit your needs.
6 Get access to special dealsand add-ons
Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include retail points programs, discounts on appliances, shopping clubs, and more. I do the math on which offers might be worth your attention when it comes to financing or mortgage insurance — so you get the perks you deserve.
7 Things move quickly!
My job isn’t done when your mortgage is approved. I will help ensure your mortgage transaction takes place on time and to your satisfaction.
8 Providing expert advice since 1987.
When it comes to mortgages, rates, and the housing market, I will speak to you in plain language. I will explain the various mortgage terms and conditions so you can choose confidently.
9 No cost to you.
There’s absolutely no charge for my services on typical residential mortgage transactions. How can I afford to do that? Like many other professional services, such as insurance, mortgage agents are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer.
10 Ongoing support and consultation.
Even once your mortgage has closed I am here if you need advice on any aspect of mortgage financing even if several years have passed. Plus I'd be honoured to assist your family or friends too!