Best Mortgage Broker Edmonton

When it’s time to get a mortgage, you are likely going to want to put your mortgage in the hands of someone you can trust.

I’m John Beard and I work to be the best mortgage broker in Edmonton. I have been successfully serving my clients in the Edmonton area for over 25 years in the financial services industry and it is something I am extremely passionate about to this day.

Residential and commercial mortgages are my specialty, however I offer many services to match your needs. I focus on fulfilling the financial goals of families no matter what their situation is. Being an independent consultant with the Dominion Lending Centres team, I have access to plenty of resources and support that directly benefits you.

Helping my clients realize their dreams is something that motivates me every day and is the drive behind my passion.

As a mortgage broker in Edmonton, I offer my expertise to first-time home purchasers as well as those looking for refinancing, mortgage renewals, home equity, reverse mortgages, commercial mortgages and mortgage life insurance.

I am able to acquire the best mortgage rates in Edmonton because of the friendships I have built with lenders over the years. I am also on social media to help make it even easier to get in touch with me so I can answer any questions or concerns you have in a timely manner.

 

About Edmonton

Nicknamed “Canada’s Festival City”, Edmonton is the capital of Alberta and the heart of the Edmonton Capital Region, a region of 34 other municipalities including the cities of St. Albert, Fort Saskatchewan, Leduc and Spruce Grove.

With a population of 877,926 it is the second biggest city in the province. It was originally founded in 1795 and incorporated as a town in 1892 before being officially named a city in 1904.

Source: https://en.wikipedia.org/wiki/Edmonton

 

Edmonton Mortgage and Real Estate

To be the best mortgage broker in Edmonton it is important to stay current on the newest trends and expert predictions relating to the mortgage industry.

According to SuperBrokers, 22.4% of Edmonton mortgage inquiries are for pre-approvals followed closely by first-time home buyers at 21.0%. The current average mortgage loan in the city is roughly $226,248.

The home-buying market in Edmonton is one that presently favours buyers. Though prices have minimally increased over the past 12 months they are expected to begin a slight decline near the end of 2016. A forecast by Royal LePage is predicting a 2% drop in housing prices in 2016, mainly pointing to the fact that oil prices have decreased.

The Canada Mortgage and Housing Corporation is expecting the Edmonton CMA to experience a 1.7% increase in home sales in the resale market in 2016 and another 2.8% jump in 2017. This comes after a
-11.9% drop in sales in 2015.

Source: http://www.edmontonsun.com/2016/01/13/edmonton-housing-market-expected-to-decrease-in-2016

Source: http://www.cmhc-schl.gc.ca/odpub/esub/64343/64343_2015_B02.pdf?fr=1463159878560

 

My Services

Buying a home, renewing a mortgage, refinancing a mortgage, looking for a reverse mortgage, commercial mortgages. These are just some of the mortgage solutions I can help you with.

Purchasing a home – Buying a house is a major deal and I make sure you know all of your options before you make it official. Purchasing a home is more realistic now than ever before with a variety of financing alternatives.

Mortgage renewal – Almost 60% of people who renew a mortgage sign the first offer renewal they see. I will shop your mortgage around in order to get the best renewal rate possible, potentially saving you thousands of dollars in the process. Beginning the renewal process 4-6 months before your current mortgage term expires is a good idea.

Refinancing – With many reasons to refinance a mortgage in today’s world, I will help you determine the best options. You can refinance because you now qualify for a more favourable discount, change from a variable rate to a fixed-rate, acquiring equity for debt consolidation, home renovations, education expenses, investments and more!

Reverse mortgage – I help those who are over the age of 55 gain increased financial flexibility without the need of selling their home or moving away.

Commercial mortgage – Tailored to businesses and investors, I offer a flexible method for you to gain capital when you want to buy or refinance commercial properties.

 

The City of Edmonton

Edmonton is the sixth-largest city in Canada and is one of the country’s most diverse places ethnically with over 60 cultural and ethnic groups represented throughout the city. It owns a safe, friendly environment that prides itself on opportunity.

A great place to make your home, the city is home to a number of major attractions including North America’s biggest mall, West Edmonton Mall, and the Royal Alberta Museum. Professional sports teams also call Edmonton home. The Edmonton Oilers of the National Hockey League and Edmonton Eskimos of the Canadian Football League are two of the more storied franchises in their respective leagues.

The Eskimos begin their 2016 season in June and their entire schedule can be found here: http://www.esks.com/schedule/

For a list of 73 things to do in Edmonton, go here: http://exploreedmonton.com/things-to-do/all

Source: http://www.edmonton.ca/city_government/jobs/about-the-city.aspx

 

Why the Best Mortgage Broker Edmonton?

To be the best mortgage broker in Edmonton you have to treat your clients the best. With a client-first approach and a reputation for getting great results that exactly what I do.

As a broker I have the ability to get the lowest mortgage broker rates in Edmonton. Working for you and not the bank or any other lenders, I am able to shop your mortgage to different lenders to get the lowest rates and greatest terms. This also gives you more choice when deciding which mortgage route to go as opposed to minimal options with a bank.

From the time you begin filling out an application I am by your side. Having a social media presence is something a lot of mortgage brokers are lacking in, however I use it to make it easier for you to stay informed and also provide more options for contacting me.

In addition to knowing I will be working in your best interests, you can experience the mortgage process with the same face by your side the whole time. Other institutions, like a bank for example, may have a number of different faces working with you throughout the process. With me you will have the confidence in knowing that it’s going to be me you see every time we meet.

Whether it’s your first time buying a home, renewing a mortgage or refinancing, I am a mortgage broker in Edmonton who can help you achieve your dreams.

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