Have a Question About Mortgages? Ask Niki! 604-992-3492
Niki Cuthbert, Mortgage Broker
Niki Cuthbert is an independent mortgage broker and co-owner of Ask About Mortgages- Mortgage Architects, located in beautiful British Columbia. She will take the time to discuss your specific situation, needs and goals to find the lowest mortgage rates and product best suited to you. When you work with Niki, she will explain the process and give you all your options to allow you to make a more educated decision before jumping right into the first home mortgage loan your bank offers you.
Getting the Best Mortgage Product
What most homebuyers do when applying for a home mortgage loan is they visit their local bank, however the lowest mortgage rates are usually not found at your bank.
When shopping for a home mortgage loan on your own, each time a lender looks at your credit, your beacon (credit) score will slightly drop. One big benefit to using Niki Cuthbert is that she can do all the mortgage rates shopping for you with only a single credit check, therefore, your credit score remains intact.
When you walk into a bank to apply for your mortgage, you are at the banks mercy. The person you are speaking to works directly for that bank. Niki works for you, not the lender, and therefore she is looking out for your best interests. Getting the right advice is crucial, and with years of experience funding mortgages, she can provide you with the right information that could end up saving you thousands of dollars. There are no additional fees for qualified borrowers, as she receives a “finder’s fee” from the mortgage lender. In most cases, she is able to get you better than bank mortgage rates and the process is more enjoyable.
With Niki’s years of experience placing mortgages, she knows how the system works and can negotiate your mortgage for you, getting you the best possible deal. As she deals with over 40 different mortgage lenders, you can sit back, relax and let her do the mortgage rate shopping for you! It is important to Niki that she ensures you have the best home financing experience possible, as she wants to earn your home financing business for life.
First Time Home Buyers
It feels like Niki is always on your side, sweats the details and fights for the best rates and options; like it was her own mortgage. She answers all questions promptly, professionally and in layman terms if need be!
I can’t recommend Niki and her team enough and will be using her services for years to come. Thank you Niki.
Some of My Lenders
If you've tuned into the news today, you've probably heard that there are new mortgage rules coming into effect on January 1st. 2018. Over the next week you'll most likely hear a lot of commentary on whether these rules are good, bad, necessary, or unnecessary. And no...read more
It has been said that there are two certainties in life; death and taxes. Well, as it relates to your mortgage, the single certainty is that you will pay back what you borrowed, plus interest. However, how you make your mortgage payments, the payment frequency, is...read more
No doubt about it, buying a home is an emotional experience. It's a game of balancing needs and wants, while trying to be honest with yourself about those very needs and wants. It's hard to get it right, figuring out what's negotiable and what isn't... what you can...read more
There aren't too many Canadians who are able to save up enough money to pay cash for their home. This is why we have mortgages. A mortgage is a loan made to assist a borrower to purchase a property. The property is held as collateral and interest is charged on the...read more
If you have no desire at all to qualify for a mortgage, here are some great ways to make sure you don't accidentally end up buying a house and taking out a mortgage to do so. One of the best ways to ensure you won't qualify for a mortgage is to be unemployed. Yep,...read more
Have you ever been approved for a mortgage? More importantly, have you ever been declined? Do you know why you were approved or declined? Or maybe you are brand new to the whole mortgage process… regardless, happy to have you here! This is the introduction post to a...read more