Sovereign Mortgage Services

SOVEREIGN MORTGAGE SERVICES (SMS)

At Sovereign Mortgage Services, our mobile mortgage specialists help you cut through the fog seven days a week. We work with you to tailor appropriate solutions for your needs. We, along with our builder and realtor partners, provide you with objective advice, buyer/investor resources, and discounts*.

Additionally, we research the best rate**, and create a program uniquely customized for your needs and financial state. We work with many banks nationwide, and can offer you interest rates lower than some bank's posted rates. Usually, we come up with an answer to a mortgage application within a few hours (up to one business day). Occasionally, some applications require more work at our end, which may translate into an up-to-a-week time frame for the final answer.

Our customizable programs are designed to meet your needs, taking into account your long-term goals.

Browse through our Mortgage Basics to briefly learn of what we can do for you. Check out our tips for a worry free road to your future. And remember, you could use the equity in your home to renovate, pay off debt, or take a vacation. You can even transform your single investment into multiple fruition investments. Contact us, for more.

*Discounts are dependant on flexibility of current projects; not all discounts are equal
**Best rate is in relation to Bank of Canada Prime rate and beacon score WHY WOULD YOU NEED A MORTGAGE BROKER?

In today's world of mortgages that often change, mortgage specialists guide more and more people through the mortgage financing maze. But, getting the right mortgage is not easy. Most mortgage lenders have very different lending guidelines. Even if you already have mortgage fixed rates, variable rates, tough credit requirements, lines of credit, credit bureaus, and mortgage choices, all turn more complicated, as the mortgage finance market becomes more competitive. But, there are always mortgage solutions for property buyers. Save time and save money. Shopping for a mortgage is time consuming and frustrating, and can sometimes be detrimental to your credit score. Have a mortgage specialist do the groundwork for you, and you will protect your credit score. Today, more than one in four homebuyers rely on mortgage associates and brokers to identify the products and lenders that best match their needs, as opposed to the old way of making an appointment at a bank. A mortgage specialist is like a lawyer. We represent you, not the bank. Therefore, we'll get you the best possible deal, whereas banks have their quotas at heart. We have your interest at heart, and are governed by the Real Estate Code of Ethics. Above all, not only will you receive the best rate and program for your goals, but also it will cost you nothing, if you use a mortgage broker.