Question 1

Do I pay anything to work with a mortgage broker?

Accepted Answer

In most cases, no. For standard mortgage applications, brokers are typically compensated by the lender. If a situation involves a fee, it’s always discussed clearly and upfront before moving forward.

Question 2

What credit score do I need to qualify for a mortgage?

Accepted Answer

There isn’t one single number that applies to everyone. Approval depends on several factors, including income, existing debt, and overall financial profile. We review the full picture and outline realistic options based on your situation.

Question 3

Can you help if I’m self-employed or have non-traditional income?

Accepted Answer

Yes. Many lenders offer programs designed for self-employed or non-traditional income situations. We help determine what documentation is required and guide you toward options that align with how your income is structured.

Question 4

What should I avoid doing while applying for a mortgage?

Accepted Answer

It’s best to avoid taking on new debt, co-signing loans, or making major financial changes until your mortgage has closed. If something unexpected comes up, it’s always better to ask first.

Question 5

Is working with a broker better than going directly to a bank?

Accepted Answer

A bank can only offer its own products. A mortgage broker works with multiple lenders, allowing for broader comparison and more flexibility. Reviewing options across the market often leads to a more accurate and efficient process — helping ensure the solution fits your situation, not just one lender’s criteria.

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