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What Is a Mortgage?

Mortgage loans also called home loans, are used to purchase a home or other types of real estate property. The borrower agrees to pay the lender over time and then makes monthly payments to pay down the principal balance. Loans may be long-term or short-term, depending on when repayment begins and how long it takes for the loan to be fully repaid.

What Is a Mortgage Broker?

Mortgage brokers help borrowers connect with lenders and seek out the best fit in terms of the borrower’s financial situation and interest-rate needs. A broker gathers paperwork from the borrower and passes that paperwork along to a lender for underwriting and approval. A mortgage broker earns a commission from the borrower, lender, or both at closing.

How Mortgage Brokers Work

A mortgage broker is an intermediary between borrowers and lenders in the real estate market. The broker gathers loan options from various lenders for the borrower to consider while qualifying the borrower for a mortgage with those lenders at the same time. The broker also gathers financial information such as income, assets, employment documentation; a credit report; and other information for assessing the borrower’s ability to secure financing that is then passed on to potential lenders.

Brokers submit the loan request to a lender, and the lender confirms if they can meet the borrower’s qualifications. If so, the lender creates an approval letter based on their loan policy with a maximum LTV ratio for that borrower.

Once an agreement is reached, the mortgage funds are loaned in the name of the mortgage lender, and a commission, the origination fee, is collected from the lender as compensation for its services.1 The borrower may be responsible for paying all or part of that fee in the closingstatement. The broker only gets paid when the loan transaction is complete


Featured Properties

If you are relocating to real estate Northwest Brampton and looking for buy house in Brampton our relocation experts will guide you through the city and find you the best neighbourhood to settle in. Brampton boasts many pockets of single family homes, houses you can buy in Brampton and each has unique attributes and features. Working with us you find a true partner.

Best Real Estate Agent in Brampton

Paul Fuller Realty

Raised by of one of Toronto’s most loved and respected business man. I learned in the furniture retail business that less doesn’t always mean more which lead me to start my Business Administration Degree at Humber Collage. 

Then realizing I not only wanted to learn the art of managing a fast growing and very competitive business I also completed a Auto Cad designing course at George Brown. My whole life has been dedicated to working with people and beautifying their homes. 

I am very passionate about the needs and goals of my clients, which made it easy to transition from furnishing and home designs to real estate, it’s like having all the pieces of a puzzle and finally putting them all together to make the perfect picture. My core strengths have always been understanding the needs of others and building strong, lasting relationships.

These core strengths, combined with the technical and conceptual skills gained through design and business, have allowed me to help my clients in ways that separate me from most other Realtors. Beyond my core passion for real estate Having coached several of my children’s sports teams. 

I’ve learned that winning is a result of trust, drive, hard work, collaboration, and coaching. These traits and characteristics are embedded in my business and I coach my clients through the buying, selling or investing process. My commitment to my clients and my business stems from dedication and focus to always deliver outstanding advice results and insights

Our Commitment

The average adult only buys three homes in a lifetime.  You need someone whose full-time job is to know the market, to navigate through rough waters and to be your advocate.  And, believe me, personalities must match in order for you to be successful.  

Since you will be relying on your Realtor for the next few months, it is imperative to be comfortable with the person you choose and how they work. We are best real estate agent Brampton. We work for you first. Whether your buying a condo or single family homes for sale Brampton we know real estate Northwest Brampton. 

Our reputation is earned by succeeding with each client. We believe a referral is the highest form of compliment we can receive. We ensure that we over exceed your expectations.

Parties Involved In The Buying Process

Wants to buy house in brampton? Here is the standard list of different parties used by a Buyer, including their functions in completing the purchase of your home

This is not a comprehensive list, but it gives you a good idea of how many moving parts must work together to close a real estate deal. Despite the many steps in buying a home, real estate Northwest Brampton we make it simple and seamless. If your looking to buy house in Northwest Brampton, we are the number choice – best real estate agent Brampton.

Your Next Home Should Be Uncommon, Specifically Suited To Meet Your Needs