When buying a new home I always advise my clients to shop around when looking to get a mortgage. The most common thing for someone to do is go right to their bank and say yes to whatever terms they offer. This may be the best rate and terms for a mortgage you can get but, it could be far from it. By simply doing a google search you can find out what is being offered elsewhere, which sometimes is not very much and others is quite a lot. Do not be hesitant to approach your bank and try to get them to match a lower rate offered elsewhere. I also advise that you go and talk with mortgage lenders that are not banks. Lenders of all shapes and sizes offer different rates and programs, find one that suits you best. They are all use to people shopping around, it is there job to convince you to choose them for whatever reason. To not be worried about offending them. If you really want to go through your current bank then shop around and find the lowest rates to make sure your bank is giving them to you.
If you do not get approval, I also recommend shopping around. Try different lenders, some are more eager to go the extra mile to make things work than others.
I also advise when trying to purchase a recreational property, use a credit union. They are much more ready to give you a loan than a bank.
Hey there, I’m Matthew Taylor. I work with individuals and families looking to buy or sell real estate in Regina and all surrounding areas who are looking for professional, responsive, and honest service to find the property that is best for them and sell their home in the quickest amount of time for the most amount of money. I want my clients to be the most informed, educated, and knowledgeable when purchasing or selling a home. I’ve been a Realtor® for a few years and I’ve served over 10 families to date. The best praise I’ve ever received from a client was:
“As first time home buyers we were nervous, we didn’t know anything about the real-estate market. Mathew Taylor was an amazing realtor to work with , he answered all our questions and made sure we were taken care of. He truly had our best interest in mind in helping us find the perfect home for our little family . We have nothing but good things to say about Matthew and just keep up the good work”.
Helping people to find the perfect home for them like that, makes me so proud and drives everything I do. If you’re looking for a Realtor who truly has your best interests at heart, Then we might be a good fit. I’ve earned two degrees, one in music performance and another in music education. When I’m not helping people find their perfect home, I can be found playing music, teaching music to kids, spending time with my family and friends, or volunteering at the YWCA. Want to learn more about how we can work together? Call or text me at 306-988-7554.