We get this question all the time. There is a lot more to getting a mortgage transaction done than just knowing what the rate is. Of course it’s important, and, in some cases it’s the determining factor as to whether the transaction is even worth doing at all. There are several factors that go into calculating a rate (i.e., credit history, amount of equity, program type, lock period, special programs available, the list goes on…). We will gladly assess your individual situation and price your loan for you. We know you will be happy with the value you get here.

Rates are often a deciding factor in moving forward with a mortgage transaction. Of course we encourage you to shop around. As long as you’re not misled by false promises, we are extremely confident that what you encounter is only going to help you appreciate what we do for you that much more.

As Frontliners (Frontline Workers) ourselves, we understand first-hand the challenges that come with the job, paid or not, as well as the sacrifices made by our families. We also understand that it takes many unique individuals and skill sets to make the Frontline community work the way it does. It doesn’t matter as much exactly what you do or where you serve as it does that you’re part of our Frontline family. We take honor and pride in helping Frontliners. It is our mission to provide exceptional value and service to our brothers and sisters nationwide, yet with a personal touch.

There’s a lot to know. We will gladly walk you through every step of the process. Just contact us and we’ll do a complete introduction and evaluation for you. Owning a home is a great privilege and we’d like to help you get there. Visit our FIRST-TIME HOMEBUYERS Page for more info.

All things being equal, it’s always nice for Frontliners to utilize the services of other Frontliners and “keep it in the family,” so to speak. We have Frontliner counterparts that are real estate agents, home inspectors, appraisers and a variety of other trades; we refer other Frontliners to them whenever we can and they know how to take care of them. When it comes to choosing a mortgage professional, knowledge and trust are probably the two most important factors. Without both of these, there are no assurances that you will get the best deal for you or that your loan will even close. This is why we are constantly educating ourselves as to the changes in today’s complex mortgage market and updating our program offerings. As far as the trust to do the right thing… we earn that every day. We look forward to earning it from you.

Mortgage programs for Frontliners come and go. Some are national, while others are only available at Provincial and local levels. We are able to participate in many of these programs in addition to offering conventional, high-risk and First-time Home Buyer mortgage programs to qualified borrowers. Having the ability to offer a wide spectrum of mortgage programs for Frontliners, as well as those for the general public, enables us to provide our members with a mortgage program most suitable to their specific needs.

We have Frontline mortgage consultants located in different areas throughout Canada. In order to work most efficiently, most of our transactions are done over the phone with the help of secure e-mail, fax and overnight mail.

Please ASK US we are here to help you!