Why you should contact Michael Smith for your next mortgage:

More options and great rates - Having access to more lenders and more lending products lets me better serve you. Your bank or credit union has only its own mortgage products and mortgage rates to offer. As a Mortgage Broker, I am able to offer mortgage rates and products from over 40 Mortgage Lenders. I match the right mortgage rate, terms, lender, and product with your individual needs. I also have access to numerous private lenders should the need arise to secure private funding.

Commission paid by the lender - In most cases, residential mortgage brokers are paid by the mortgage lender where we place the mortgage, and not the client.

Licensed Mortgage Professional – As a licensed mortgage professional, and member of the Mortgage Brokers Association of BC, all mortgage business carried out is governed by rules ensuring mortgage advice that adheres to strict legal and ethical standards. Licensing is not required of mortgage representatives in banks and credit unions. Real estate and financing are my passions, and I have been involved in the real estate industry for 15+ years in different capacities.

Loyalty – Bank and credit union representatives’ primary loyalty is to their employer and specific lending guidelines. My loyalty is to my clients who are essentially my employer. In Canada, 1 in 4 mortgage borrowers are using a mortgage broker, almost 1 in 3 in BC, and the numbers continue to increase. Assure yourself the best mortgage product by putting me to work for you.

Verico is big enough, but not too big – Verico Select Mortgage is a Canadian company based on Vancouver Island - in Victoria BC. Verico Select hand picks local mortgage brokers on both Vancouver Island and the Lower Mainland and is not owned by a financial institution. Our size allows us to obtain better rates and terms, while maintaining an ability to personalize our service to meet your needs…you are not just another number!

Mortgage focused Specialist - My sole purpose is to help you obtain the best rates and terms on the mortgage you require. I am committed to offering exceptional service second to none. No two mortgages are alike which is why it is vital to have a professional help you determine and secure proper mortgaging for your specific needs.

Time Management / Stress Free – Shopping around for the best rates and terms is stressful and cuts into your personal time. My job is to free up your time and eliminate any stress during the financing process. I work with my clients to help educate and help formulate the proper decision based on individual needs.

Conclusion - Whether you're a first time home buyer, renewing your mortgage, refinancing, obtaining commercial property, buying a vacation or rental property, or just looking for ways to pay off your mortgage earlier, contact me personally for information and consultation with no obligation and let me help you live your dreams!

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