A mortgage is most likely the largest amount of money most people will ever borrow. The interest costs alone can easily run into the tens of thousands of dollars. So when you borrow to buy your home, it is important to work with a mortgage specialist who can help you understand how mortgages work. Knowing how they differ from lender to lender, how much they really cost, and how to reduce your costs can save you a lot of money, and possibly take years off of the life of your mortgage.

In dealing with a bank you only deal with one lender. At The Perfect Mortgage, we deal with many lenders at a time, providing customers with a better choice of services. Bank employees work on a salary basis and are paid to represent the best interests of their bank. Also, they can only offer services provided by their institution.

At The Perfect Mortgage, we can offer services and low rates from a variety of lenders, which in turn allows us to design a mortgage which best suits your needs and saves you money.

We will do all the paperwork & research necessary to get your application approved, saving you the time and trouble of shopping for a mortgage on your own. Since we bring millions of dollars in mortgage volumes to many different financial institutions, we often get extra benefits, such as lower interest rates and faster approvals. These benefits are passed onto you as a client, which you would otherwise not get as an individual borrower.

How do we get paid?

On standard, qualified applications, we never charge a fee to arrange a mortgage. On situations where clients don't meet standard mortgage approval guidelines there may be a fee charged, which will be quoted up front. We have access to many banks and lenders who want your business and will pay us to bring the business to them in one nice neat package. They do far less work, so with these savings they pay us a finders fee… so there is never a fee to you!

Where do we go from here?

When you're ready to secure financing for a home purchase or refinance, simply enter your information on our secure online application form, or call us toll free at 1-877-642-0405. If you prefer, we can also fax you an application form which you can fill out at your leisure and fax back to us toll free at 1-877-642-4888.

Once we have received your application, we go to work immediately to find you the best deal possible. We use use cutting edge technology to connect electronically with our lenders and can have your deal approved in as little as a few hours.

Once we have your mortgage approved we'll let you know what paperwork we need to complete your transaction.

It doesn't get any easier!