Kelly Prsa

1 Get independent advice on your financial options

As independent mortgage agent, I am not tied to any one lender or range of products. My goal is to help you successfully finance your home or property. I will start by getting to know you and your homeownership goals. I will make a recommendation, drawing from available mortgage products that match your needs, and we will decide together on what’s right for you.

2 Save time with one-stop shopping

It could take weeks for you to organize appointments with competing mortgage lenders — and I know you’d probably rather spend your time house-hunting! I work directly with dozens of lenders, and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient.

3 I negotiate on your behalf

Many people are uncertain or uncomfortable negotiating mortgages directly with their bank.

4 More choice means more competitive rates

I have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, I also know what’s being offered by credit unions, trust companies, and other sources. And I can help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price.

5 Ensure that you're getting the best rates and terms

Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! Let me investigate to see if there is an alternative to better suit your needs.

6 Get access to special dealsand add-ons

Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include retail points programs, discounts on appliances, shopping clubs, and more. I do the math on which offers might be worth your attention when it comes to financing or mortgage insurance — so you get the perks you deserve.

7 Things move quickly!

My job isn’t done when your mortgage is approved. I will help ensure your mortgage transaction takes place on time and to your satisfaction.

8 Providing expert advice since 1987.

When it comes to mortgages, rates, and the housing market, I will speak to you in plain language. I will explain the various mortgage terms and conditions so you can choose confidently.

9 No cost to you.

There’s absolutely no charge for my services on typical residential mortgage transactions. How can I afford to do that? Like many other professional services, such as insurance, mortgage agents are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer.

10 Ongoing support and consultation.

Even once your mortgage has closed I am here if you need advice on any aspect of mortgage financing even if several years have passed. Plus I'd be honoured to assist your family or friends too!