A better mortgage, in addition to the lowest rate, is one that fits your unique needs and works for you. We take the time to understand your financial situation and search the market for the best terms and rates for you. As fully independent mortgage brokers, we work directly, and only, for you. As brokers we can search a much larger variety of lenders than an individual is able to. Most importantly, there is usually no cost to our clients for our services. our fee is normally paid for by the lender. the rare exception is when extra work is required due to extreme credit challenges. more... See more text