Purchases / Refinances / Renewals / Reverse Mortgages
In the world of mortgages, you need more than just good rates; you need a partner who truly understands your journey and the local landscape. That's where I come in. Our Brokerage works with over 50 different lenders and hundreds of mortgage product options to find you the best features and rates to suit your needs!
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Frequently Asked Questions
Please reach us at ena@enamcauley.com if you cannot find an answer to your question.
Add As a licensed mortgage associate, I act as your personal advocate in the mortgage market. Instead of being limited to one bank's products, I have access to dozens of lenders across Canada, including major banks, alternative lenders, and other financial institutions. My role is to understand your unique financial situation and goals, then shop the market to find the best mortgage rates and terms that fit your needs, not the lender's. This saves you time, stress, and often, a significant amount of money over the life of your mortgage.
In most cases, for typical residential mortgages that qualify with a major lender, you do not pay me a fee. I am compensated by the lender once your mortgage successfully closes. This compensation is typically a "finder's fee" paid by the institution whose mortgage product you choose. This means you get expert advice, access to a wide range of lenders, and dedicated support, often at no direct cost to you. In very specific or complex situations (e.g., some private lending scenarios or difficult-to-place mortgages), a broker fee may apply, but this will always be fully disclosed and discussed with you upfront before any commitments are made. answer to this item.
To help you find the best mortgage solution, I'll typically need some basic financial information. This usually includes:
- Government-issued identification (e.g., driver's license, passport)
- Proof of income (e.g., recent pay stubs, employment letter, T4s, Notice of Assessment for self-employed individuals)
- Proof of down payment (e.g., bank statements, investment statements, gift letter if applicable)
- Details of your assets and liabilities (e.g., other property, credit card balances, loan statements)
- Information about the property you are considering (if you have one in mind)
Don't worry if you don't have everything ready! We'll go through it together, and I'll clearly outline exactly what's needed.
Absolutely! One of the significant advantages of working with a mortgage associate like myself is access to a diverse network of lenders. While traditional banks may have rigid criteria, many lenders specialize in different situations, including self-employed individuals, new immigrants, or those with less-than-perfect credit. I have the experience to explore these options and work to find a viable solution that fits your specific circumstances.
Yes, please do! It's never too early to start the conversation. Getting a mortgage pre-approval is a crucial first step for any homebuyer. It helps you understand exactly how much you can afford, locks in an interest rate for a certain period, and makes your offer more attractive to sellers. Even if you're just exploring your options for the future, I'm here to provide guidance and insights into the current market in Saskatchewan, allowing you to plan effectively.
Absolutely! My services extend far beyond just new purchases. Many clients come to me when their mortgage is up for renewal, or when they're considering refinancing to consolidate debt, finance renovations, or free up equity. I'll review your current mortgage, compare it against the best options available, and ensure you're getting the most competitive rates and terms, often saving you thousands of dollars over the long run.
Contact Us
Call Anytime - I love to chat!
Phone or email anytime - your request will be answered promptly! I love talking about the home buying experience and all of the financing options available!
Hours
Open today | 09:00 a.m. – 05:00 p.m. |
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