10 Reasons to Use Sylvia Ho - Mortgage Agent vs a Bank
1. Free service with real value - You don’t get charged for my services. Banks pay my commission. It’s cheaper for the lenders to pay me a commission than to pay a salaried individual with overhead costs. WIN-WIN for everyone!
2. Lower rates - You get wholesale pricing since I work directly with the head offices of lending institutions. My clients benefit from lender promotions because I receive emails EVERYDAY from them promoting their special offers. Until your house closes, I continue shopping around to make sure you’re getting the best rate.
3. Education - I help my clients compare different mortgage products offered by different lenders. You’ll be able to make an educated decision with confidence when choosing which mortgage product better suits your needs.
4. Thinking outside the box - Recently I spoke to a client about upgrading their home. As the conversation continued, it turned into a discussion about building a family safety net and having a proper emergency fund and then buying real estate in the future. Since I’ll know your financial goals, I can help you plan!
5. Access to lenders - I will shop around to my 25 different lenders. Some lenders only work with mortgage specialists, so, if you don’t work with a mortgage specialist, you’re missing out on potentially large savings! If you go to a branch to get a mortgage, they only have 2-3 mortgage options to offer you. By working with me you’ll gain access to 25 different lenders, check out this blog post to learn more about this advantage!
6. Mortgage coaching - Mortgages don’t pay off themselves. What’s your magic number to pay off your mortgage? Let me teach you 12 concepts to pay off your mortgage FAST! Banks won’t teach you this! Financial planners won’t either! Sign up for my free coaching program!
7. Customization - Mortgages aren’t one size fits all. Your financial goals in life may not be the same as your neighbours, friends or family. I will find a mortgage product that best suits your needs and financial goals.
8. Convenience - Everyone is busy! I know how it feels, I have 2 kids who play competitive sports- we all have a lot on our plate. The process of securing a mortgage through me is very easy since everything is done via email and phone calls.
9. Personal experience - My mom taught me how to build a real estate empire and I love passing on that knowledge. I am a professional landlord and can teach you how to earn money from real estate.
10. No surprises - There are no surprises when you work with me. Ever had a bank make a promise to you and then suddenly things change? That doesn’t happen with me! For the last 20 years, my business has been based on referrals from happy clients. My clients value the advice I give them. I listen and I serve.
How can I serve you?