SJ Capital Mortgage Services

Remember the good old days? The days when getting a mortgage simply required a paystub and a signature? Well, those days are gone. Everyone’s feeling overwhelmed by the new government rules that are changing the market, and yes, they impact everyone, even you.

No matter what barriers have been put up, we can help you through it all. We can guarantee you a rate 90 to 120 days in advance which can save you thousands of dollars in interest. Let us walk you step-by-step through the options and leverage what you must get the mortgage you need right now.

When you’re ready to start searching for a new mortgage provider, you’ll have plenty of choices. Different kinds of mortgage lenders do more than compete to provide you with the best rates – flexibility, customer service, and mortgage products help to distinguish one mortgage lender from another.

The commercial banks are the biggest players, but with recent changes to legislation in Canada, getting a mortgage from a big bank is harder now than ever. In addition, a bank can only provide you with their product and rates, not anyone else’s.

Credit Unions provide a small percentage of mortgages to Canadians, particularly in small and rural communities. They are known for their customer service and flexibility to tailor their mortgages, although the number of mortgage products are limited, and rates may be higher than at the bank.

Private lenders provide mortgages that can be approved quicker, without having to go through as much red tape as more traditional lending options. This can be attractive to borrowers that may have tarnished credit, or people who can’t meet the lending standards of the banks.

We shop around, negotiate lending terms on your behalf, and find you the lowest rate on the market. The volume discounts we get as a mortgage broker mean lower rates that we can pass on to you, and we can also access exclusive deals not available to the general public. At SJ Capital Mortgage Services, we have access to, and knowledge of the entire mortgage landscape. We can advise which lenders are most likely to consider your borrowing needs, and we can access lenders who specialize in servicing people with a tarnished credit history.

Residential mortgage terms and conditions like interest rates are always changing. This industry is a living breathing animal which is easy to conquer with SJ Capital Mortgage Service’s help. No longer are the doors closed.