f you start reading today and feel like you’ve already heard my message, you likely have.

It is so important to understand the terms and conditions of your mortgage. Read what you sign. Ask questions.

Potential clients call and often start with “what is the best rate you can get me?”

It’s a valid question and important information but equally important is making sure that the best rate available applies to that particular client’s situation.

Before I quote a rate, I ask a few questions about what type of mortgage the client is looking for:

• How much down payment do you have available (relative to the purchase price)?

• What type of property are you buying?

• Which specific area are you looking to purchase in?

• Is........

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