Frequently Asked Questions

Yes, we do need to pull credit reports for all clients. However, the impact on your credit score can vary depending on your circumstances and credit history.

Our services are usually free to clients as we earn a commission from the lender. However, in some situations, such as with alternative, private, or construction mortgages, we may charge a fee if the lender doesn't cover our costs.

The minimum down payment is 5%, even for second properties. However, a 20% down payment is necessary for rental properties.

The decision between a fixed or variable rate ultimately depends on your preferences and financial situation. Our role is to provide information, clarify differences, and help you make an informed choice based on your unique circumstances.