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Mortgage Brokers in Alberta

Mortgage Brokers in Alberta

Mortgage Brokers in Alberta


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Mortgage Brokers in Alberta

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Posted: Sep 28, 2010 |Comments: 0

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Mortgage Brokers in Alberta

By: AbbieSmith

About the Author

For More Information, please visit our website at www.nelsonsousa.ca.

(ArticlesBase SC #3362229)

Article Source: http://www.articlesbase.com/Mortgage Brokers in Alberta





A mortgage broker is someone who acts as an intermediary and negotiates mortgage loans on behalf of home buyers and businesses seeking to build or purchase commercial real estate. In developed real estate markets like Canada’s, a large percentage of mortgage products are sold by mortgage brokers.

The scope of a mortgage broker’s activity depends on the jurisdiction in which it does business. In Canada, mortgage brokers are regulated under provincial law, but throughout Canada, high ratio loans are insured by Canada Mortgage and Housing Corporation, Genworth Financial or AIG United Guaranty.

One reason lenders work with mortgage brokers is to increase the number of loans they sell. Banks and other institutions increase sales volume by contracting out part of their business to brokers.

Borrowers have a number of motives for working with brokers. For one thing, it might be easier to get a loan through a broker than by going directly to a bank. Mortgage brokers are responsible for making sure that borrowers qualify for a loan but they can work with the customer to improve eligibility

How does the borrower find a mortgage broker? In Alberta, mortgage seekers can visit the Alberta Mortgage Brokers Association (AMBA) website to find a broker in their area, or to check on the qualifications of a specific broker. Customers can also make complaints or learn about cases of fraud.

Brokers can also visit the AMBA website to learn about, for example, changes in consumer law, or licensing requirements for any Alberta mortgage broker.

Of course, many Alberta Mortgage Brokers, have their own websites, where prospective borrowers can apply for a loan and compare mortgage rates. Recently, this broker site offered a 1 year of 2.55%, compared with 3.7% through a bank, and 5.1% for a brokered 10 year loan, versus 6.8% directly from an institution.

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(ArticlesBase SC #3362229)

AbbieSmith -
About the Author:

For More Information, please visit our website at www.nelsonsousa.ca.

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Article Tags:
alberta mortgage broker, alberta mortgage brokers

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Mortgage Loan Information - Know the Basics When you Refinance or Purchase a Home

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