My Mortgage Approach
Make your dream home come true
After all your planning, sacrifices and saving, it’s time to buy your home. Making your dream come true means working with an experienced mortgage broker, with advantages such as:
An Established Process
Time is of the essence. A well-organized system, anchored by expertise, ensures quick turnaround of your paperwork. Each task is completed by trusted professionals with long-term relationships with John Wright: there’s no guesswork.
Be treated like a life-long customer, not as a single transaction
For most people, a mortgage is a life-long commitment. As your needs and goals change over time, I adapt my recommendations to keep you current.
Diversified Financial Background
16 years as a mortgage broker and previous posts as mortgage underwriter and loans officer allows John Wright to deliver:
- Immediate, informed answers
- Deep understanding of the industry and marketplace
- Sound advice on any situation, decision or mortgage product, based on wisdom and experience
You’re going to become better educated, faster, and make better decisions.
First-time Home Buyers
A patient, compassionate and informative approach guides you through the process. It begins with a discussion of your mortgage plans-goals followed by a documents review. Issues are addressed and calls made to lenders with products suitable for your situation.
Meeting with your mortgage broker a year or two before your purchase is good thinking. Quite often, people find a home they love only to find out their financials aren’t set. In both cases, your mortgage broker can help you set up a plan to deal with any credit, income or another issue. When the plan’s objectives are met, it’s time to move forward and buy your home.
Member of a professional industry association
Members of the Mortgage Professionals Canada (MPC) industry association must comply with its Code of Ethics and meet strict educational standards. Their national designation for mortgage professionals, Accredited Mortgage Professional (AMP), sets a single national expertise standard for Canada’s mortgage professionals.
Phone calls and emails returned promptly
Applying for a mortgage, 2nd mortgage, or debt consolidation can be extremely stressful. I first make sure your application is A-ok before it enters our system. I keep you up-to-date as to progress, challenges, solutions – giving advice and recommendations along the way.
Sometimes, life events, health complications, and/or unemployment can affect your cash flow. To address short-term needs, you can increase your mortgage and consolidate your debt; however, you will have to borrow at higher rates.
Mortgage brokers can offer more services, expertise and lending options to make your financial life more simple and efficient.
Negotiate Fair Rate
After reviewing your unique situation, I recommend several options and help you decide on the lender that best meets your needs. Once the lender is chosen, I negotiate the absolute lowest rate possible for you.
Backed by a Strong Organization
To best meet the diverse needs of home buyers, it’s ideal for a mortgage broker to have:
- Access to a wide variety of resources and services
- Relationships with niche lenders (who cater to unique situations) or with lenders they have long-term relationships with
Mortgage brokers process approximately 40% of all mortgages within the GTA and Dominion Lending Centre is a prominent force among them. Their enormous resources and decades in the business position them to get the best rate with lenders.
My ‘Neighborhood’ franchise of Dominion Lending Centre processed the most mortgage applications of all Canadian Dominion Lending Centre franchises from 2010-2015. By dealing with a broker from one of our firm’s top offices in Canada, you receive: 1) A greater variety of products, 2) Access to pilot programs, and 3) Interest rate specials not available through other offices.