Competition = Low Mortgage Rates

Alberta Equity Mortgage Consultants

Our qualified and professional mortgage consultants offer personalized service to all of our clients. They are extremely knowledgeable and will offer:

• The most competitive rates while dealing with all the major lending institutions
• The maximum amount of flexibility in financing choices
• The widest choice of mortgage options including variable rate mortgages, fixed rate mortgages, capped variable rates, rental properties, mortgages for the self-employed, etc.

The advice and counseling needed to sort out credit and assess mortgage qualifications.

Recognizing the Danger Signs

You may have a debt problem if:

• you are feeling stress and anxiety over money situations and finding it difficult to sleep at nights.
• your monthly bank statements are in the negative.
• you're only able to pay the interest and service charges on your credit cards.
• you are afraid to open your mail or answer unknown phone numbers.
• your services have been cut off such as hydro or telephone.
• you're always borrowing money from family and friends and then find yourself avoiding them because you cannot afford to re-pay them.
• creditors are pressuring you and threatening to sue.
• you have received notification in the mail from a collection agency.
• your wages have been garnisheed.

Beware of Online Applications

When applying for a mortgage online, make sure application form is secure. A secure form encrypts the data you send to the mortgage broker greatly reducing unauthorized access to your personal information. To tell if the web site you are at is secure; look for a little yellow lock on the bottom status bar of your web browser. By double clicking on it, it will bring up additional information about the security of the site.

Also, make sure that the broker you send your information to has privacy policies in place. Some third party companies are just out to collect your information to sell it banks and other brokers.

The website should have visible contact information, such as phone numbers, addresses, and emails. It should be at least affiliated with the BBB and the Canadian Institute of Mortgage Brokers and Lenders (CIMBL). Most importantly, make sure that it is a Canadian website.