Whether you’re buying your first home or upgrading to a larger space, navigating the new mortgage applications process can feel overwhelming.
That’s where I come in! With over 16 years of experience as a mortgage broker in Saskatoon, I’m here to simplify the process and guide you every step of the way.
Working alongside The Mortgage Group, I’m here to make applying for a new mortgage easy, efficient, and tailored to your unique financial needs.
How We Help with New Mortgage Applications
Applying for a mortgage can be complicated, but it doesn’t have to be stressful. I take the time to understand your financial situation, goals, and preferences, offering personalized advice on mortgage options that fit your lifestyle. As part of TMG The Mortgage Group, I have access to over 20 lenders, ensuring that you get the best mortgage rates and terms available.
- Personalized Service: No two financial situations are alike. That’s why I tailor mortgage solutions to meet your specific needs, whether you’re purchasing your first home or investing in a second property.
- Competitive Rates: With access to a wide network of lenders, I secure competitive mortgage rates that save you money in the long run.
- Seamless Process: My straightforward approach simplifies the entire mortgage application process, making it stress-free and efficient.
- Expert Guidance: I’m here to answer your questions, offer advice, and help you make informed decisions about your mortgage.
Tailored Mortgage Solutions for Every Situation
No matter what your situation is, I’ll find the best solution for you:
- First-Time Homebuyers: If you’re new to homeownership, I offer tailored advice and step-by-step guidance through the process. I’ll help you access first-time homebuyer incentives and programs designed to make buying your first home more affordable.
- Moving Up: Whether you’re upgrading to a larger home or moving to a new neighborhood, I’ll help you navigate the transition and secure a mortgage that fits your evolving financial needs.
- Investment Properties: Looking to expand your real estate portfolio? I offer expert advice on financing rental properties, helping you make smart investment decisions.
- New to Canada: If you’re new to Canada, I specialize in helping newcomers understand the mortgage landscape and access financing for their new home.
Why Choose Deb Murdoch for Your New Mortgage Application?
Expertise You Can Trust: With over 16 years of experience in the mortgage industry, I bring a wealth of knowledge and expertise to every client. I’ve helped hundreds of families in Saskatoon achieve their dream of homeownership, and I’m ready to help you too.
No Stress, Just Results: I take care of all the heavy lifting when it comes to your mortgage, so you don’t have to worry about the details. From pre-qualification to approval, my goal is to make the process as seamless and stress-free as possible.
One-Stop Mortgage Shop: Instead of shopping around and comparing rates yourself, let me handle the legwork. I work with a vast network of lenders to find the best options for you, saving you time and money.
Key Benefits Section
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"Takes a huge weight off your back"
Loved it! She’s the best, one call and she takes a huge weight off your back. Thanks Deb!
Jeph M.
I firmly believe that applying for a new mortgage should be a smooth and straightforward process. Here’s how it works:
Personalized Consultation
We start with a one-on-one consultation where I get to know your financial situation and homeownership goals. Whether you’re buying your first home or expanding your investment portfolio, I’ll work with you to understand what’s most important.
Pre-Qualification for Peace of Mind
Before you start your home search, I’ll help you get pre-qualified, which will give you a clear idea of your borrowing power and ensure you’re searching within the right price range. Pre-qualification strengthens your offer in a competitive market, showing sellers you’re a serious buyer.
Access to Top Lenders
Through my extensive network of lenders, I’ll match you with the best mortgage products on the market. Whether you’re looking for a fixed-rate or variable-rate mortgage, I’ll negotiate on your behalf to secure favorable terms tailored to your financial goals.
Streamlined Application Process
Once you’ve found your ideal home, I’ll guide you through the mortgage application. My role is to handle all the paperwork and ensure everything is in order, making the process as smooth as possible. I keep the process moving quickly so you can focus on the excitement of your new home.
Transparent Communication
I believe in keeping you informed every step of the way. I’ll provide regular updates on the status of your mortgage application and make sure all your questions are answered promptly. My goal is to give you peace of mind and confidence throughout the process.
Approval and Closing
Once your mortgage is approved, I’ll work closely with the lender and your lawyer to ensure the closing process is smooth. You’ll soon be holding the keys to your new home with a mortgage that fits your needs.
Frequently Asked Questions
What documents are needed for a mortgage application?
To apply for a new mortgage, you’ll typically need proof of income (such as pay stubs, employment letters, and T4 slips), a credit report, and documentation of your assets and debts. I’ll provide you with a detailed checklist to ensure you have everything in order.
How long does it take to get approved for a mortgage?
Once your application is submitted, it usually takes about 24-48 hours to receive approval from the lender. However, this can vary depending on the complexity of your financial situation.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification gives you an estimate of how much you can borrow based on your financial information. Pre-approval is a more formal process where the lender verifies your finances and provides a conditional commitment to lend.
Can I still get a mortgage if I have a low credit score?
Yes, it’s possible to get a mortgage with a low credit score. I work with a variety of lenders, including those that offer products for clients with less-than-perfect credit. We’ll review your options and find the best solution for your situation.
Is it better to get a fixed or variable rate mortgage?
Both options have pros and cons depending on the market and your financial goals. A fixed-rate mortgage provides stability with consistent payments, while a variable-rate mortgage might offer lower rates but comes with fluctuating payments. I’ll help you assess which option is best for you.
