Licensed Mortgage Broker
Residential/ Commercial/ Construction/ Farmland Financing
ENJOY A STRESS FREE MORTGAGE
WHY WORK WITH RIHANA ?
Free Mortgage Consultation
It helps clients receive all the information they need before stepping into the mortgage process, and get a more realistic understanding of their borrowing capacity. Whether you're purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it's important that you are making an educated buying decision with professional unbiased advice.
Multiple Mortgage Options
Clients can have better and more access to lenders or even access to lenders of whom they may not know about. Considering what clients' financial goals are, comparing mortgage policies and interest rates from over 30 lenders, including A-Lenders, Alternative Mortgage Lenders, and Private Lenders will help clients choose the product that is right for them.
Avoid Big Mortgage Penalties
As a type of secured loan, mortgage is a big financial commitment. Before making any financial decisions, it should be brought to clients' attention that breaking a closed mortgage will lead to a penalty from hundreds to thousands of dollars. However, there are different options that can help clients avoid big mortgage penalties.
Competitive Interest Rates
Mortgage is one of our biggest expenses. For this reason, it is imperative to find the best interest rates and mortgage terms. But, the lowest interest rate is not always ideal if it does not come with the right product that a client needs. Most of the time, a competitive interest rate is attached to less restrictions and better terms & conditions of a mortgage contract.
Without having to pay a prepayment penalty, it is important to ensure that a client has the option to prepay a portion of the mortgage principal before it is due.
Purchasing a property is not a one-stop shop. It involves multiple steps that will be quite time demanding, and out of clients control. It can take anywhere from four-six weeks to a few months or more. In a hot real estate market like BC's, clients may also face bid wars and tight subject removal/ closing deadlines. An accountable broker can take some of the work off your shoulder by saving your time and ensuring that each phase of the mortgage process goes forward in a timely manner.
Integrity & Transparency
Transparency & integrity can help clients trust the mortgage process and not overwhelmed by the complexity of mortgages. As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs. It is also important to clarify pros & cons of the mortgage contract by having clients' best interests at heart.
MORTGAGE DISABILITY INSURANCE
COVERS THE INSURED PORTION OF YOUR MORTGAGE DURING A
TIME OF DISABILITY
What would your family do if something unfortunate happened and they were left to make the mortgage payments
on their own?
MORTGAGE PROTECTION INSURANCE
PAYS OFF THE REMAINING BALANCE OF THE MORTGAGE IN THE CASE OF DEATH OF THE BORROWER
Unit A201- 9000 Bill Fox Way, Burnaby,
BC V5J 5J3