Why You Won’t See a Rate List Here

A rate on a website can look simple, but the rate available to you depends on your situation. Rates also change often, so a list can go out of date quickly and may not apply to you at all.

 

Your rate and options can depend on:

• Whether you are buying, refinancing or renewing

• Your down payment or equity, and whether the mortgage is insured

• Your credit and income

• The property and how you will use it

• Your term, amortization and choice of fixed or variable

• Your closing date

 

That is why I prefer a quick conversation over advertising a number that may not fit. Once I understand what you are trying to do, I can walk you through the rates and solutions that apply to you.

 

How to Choose the Right Mortgage

The lowest rate is not always the best fit. When comparing options, it helps to ask:

• Does fixed or variable suit your budget and comfort level?

• What are the prepayment privileges?

• What are the payout penalties if you need to break the mortgage early?

• Is the mortgage portable or assumable?

• Can you get a better rate for closing sooner?

 

Your Next Step

Call or text me at 403-828-1838, or book a free call below. There is no obligation, and you do not need to have everything figured out first. Rates are subject to change, and approval depends on the lender and/or insurer.

 

Want to learn more about the different rate types, check out my blog here.