Q - What does a Mortgage Broker do?
Q - What are the advantages of using a Mortgage Broker?
Q - What are the benefits of applying for a pre-approved mortgage?
Q - What does it cost to use a Mortgage Broker?
Q - How can I pay off my mortgage quicker?

A - What does a Mortgage Broker do?

A Hewitt Financial Services Mortgage Broker is licensed to work for you, not for the bank. We save you the hassle of going from bank to bank shopping for the mortgage that’s right for you. We know that your best interest is ours as well. Our Mortgage Brokers get the banks to compete for your business.
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A - What are the advantages of using a Mortgage Broker?

Hewitt Financial Services has over 60 lenders at your disposal, and we pride ourselves on customer services ranked above the rest. Frequent inquires into your credit can have a negative affect on you credit score. Each lender that you submit your mortgage application to is another inquiry. In the course of shopping around trying to find the best deal, you may be hurting your credit score. At Hewitt Financial Services we check your credit once, and the banks use our credit report. You get the benefit of several banks competing for your business, with none of the pain involved when doing it yourself.
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A - What are the benefits of applying for a pre-approved mortgage?

When you get pre-approved by a Hewitt Financial Services Mortgage Broker, you know what you can afford to buy. At your bank they rarely take all the information required to accurately give you a number to work with. This leaves you in a difficult situation if you try to buy, only to find out that your bank won’t give you the mortgage. At Hewitt Financial Services we ask all the questions, so that we can tell you that you’re approved before you even start looking. As an added bonus we will hold the best rate for you, and even lower it if the rates drop while you’re looking for that perfect property.
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A - What does it cost to use a Mortgage Broker?

We at Hewitt Financial Services receive our payment from the bank. We have to be competitive in order for you to choose us for your Mortgage needs. Very rarely would there ever be an additional charge; however if we are assisting you with a commercial Mortgage, or obtaining a mortgage that would not be available to you under normal banking conditions, there might be a minimal charge. We guarantee that you will be informed up front of any service charges. Rest assured if there is a fee, you can be certain that it will be absolutely necessary.
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A - How can I pay off my mortgage quicker?

There are many ways that you can become debt free quicker. Depending on the Bank you choose to go with, you can decide how much extra you want to prepay. Almost every bank offers prepayment privileges. These give you the option of increasing the amount of your payments and paying an annual lump sum, with NO PENALTY. When you take advantage of these opportunities, any additional money you spend goes directly to the principal amount left owing on your mortgage. You also may choose how often you want to make mortgage payments. The more often you pay, the less interest you pay! We at Hewitt Financial Services will work with you on a long term plan that suits your mortgage needs now, and in the future.
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