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THE MORTGAGE LOCATOR
  • Home
  • Mortgage Solutions
  • Free Mortgage Advice
  • Mortgage Agent
  • FAQ
  • Mortgage Application Online
  • Mortgage Blog Page
Mortgage Solutions
That Work for You

What Can a Mortgage Agent Do For You

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learn what you can afford
free mortgage assessment
free mortgage advice
1. Look at your finances to determine the right type of mortgage product for you and help you get pre-approved.
    
2. Assess and compare proposed mortgages and determine if you meet the lender’s criteria and if the mortgage is suitable for you. 
   
3. Gather whatever information and documents are needed, and make sure all the paperwork is complete and submitted for the lender to approve.

4. Negotiate with the lender regarding rate and term to get you the best possible deal available.
   
5. They can also explain the application and approval process and answer any questions you may have, and review the rate, terms and conditions of the mortgage.

6. Liaise during the closing process and provide administration right up until the point you receive the keys.
frequently asked questions
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Pre-Approval Process 

A mortgage pre-approval is when a potential mortgage lender looks at your finances to find out the maximum amount they will lend you and what interest rate they will charge. With a pre-approval, you can know the maximum amount of mortgage you could qualify for and be able to estimate your mortgage payments. You can lock in an interest rate for 60 to 120 days depending on the lender.

Why is a pre-approval important:
​After you have a pre-approval it is much easier to go shopping for the home of your dreams when you know what you have to spend. ​
get pre-approved
Approve my Mortgage

Mortgage Strategy

  • How can I pay off my mortgage sooner?
  • Do I lock in for 3, 5 or 10 years?
  • ​Fixed rate or variable rate?​ 
​So many questions? A mortgage agent will show you how to make sense of all the different strategies and help you find the strategy that works for you and your family.
find out more

Free Mortgage Evaluation

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Mortgage Re-Finance
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Get Pre-Approved
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Free Mortgage Advice
Mortgage Investment 
​Apply Online
Tim Deering Mortgage Agent
Agent License# M20002829


Serving clients in Durham Region, Toronto, Northumberland & all over the GTHA.

25 Glenmount court. 
Whitby, Ontario L1N-5M7
​905-441-3991
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