Why Use a Mortgage Broker?

Navigating the complexities of securing a mortgage in Ontario can be overwhelming, but working with a mortgage broker like me, Lisette Amalfi, can make the process much smoother. With over 23 years of experience, I’m here to help you find the best mortgage solutions for your needs. Here’s why choosing to work with a broker can benefit you:

1. Access to Multiple Lenders
   • I work with a variety of lenders, including banks, credit unions, Monoline lenders, and private lenders, giving you more options than if you were working with a single institution.
   • I’ll find tailored solutions that fit your unique financial situation, whether you’re self-employed, have credit challenges, or need more flexible terms.
2. Expert Guidance and Advice
   • With over two decades of experience, I ensure you receive personalized advice to make the best mortgage decision for you.
   • I can explain all the details, like rates, terms, and penalties, so you can make informed choices without the confusion.
3. Time-Saving
   • I handle all the heavy lifting—shopping for the best rates, gathering documents, and coordinating with lenders.
   • Instead of applying to multiple institutions yourself, I streamline the process, saving you valuable time and effort.
4. Better Rates
   • I often negotiate better rates on your behalf, leveraging strong relationships with lenders.
   • Many brokers, like me, have access to exclusive rates that aren’t available to the general public.
5. Tailored Solutions
   • I assess your financial goals, whether you’re buying your first home, refinancing, or investing in property, and find a mortgage that suits your needs.
   • I also help you navigate government programs like the First-Time Home Buyer Incentive or using your RRSP for a down payment.
6. Assistance with Unique Situations
   • If you have less-than-perfect credit, are self-employed, or have non-traditional income, I can connect you with lenders who specialize in these situations.
   • I can also help you with bridge financing, second mortgages, or more complex transactions.
7. Ongoing Support
   • My job doesn’t end when you close your mortgage. I’m here to provide advice on refinancing, renewals, and long-term mortgage management to help you save money over time.
8. No Cost to You (Typically)
   • In most cases, I’m paid a commission by the lender, so my services are free to you.
   • If there are fees, such as with private lending, I’ll always disclose them upfront so you’re fully informed.

Why Choose Me, Lisette Amalfi?

• With over 23 years of experience, I specialize in helping clients in Hamilton, Ancaster, and across Ontario find the best mortgage solutions.
  • My in-depth knowledge of the local market and commitment to providing exceptional client service make the mortgage process smooth and stress-free.

Ready to Get Started?

Whether you’re a first-time homebuyer, refinancing, or exploring investment properties, I can guide you through every step. Feel free to reach out and let’s talk about your mortgage needs.

Call me at: 905-929-1199
Email me at: lamalfi@tmacc.com