Our FAQ
Here are some questions we're often asked: Isn't a mortgage broker cheaper? Actually, no. Our Desjardins rates are often below those that a broker can get. In fact, more and more lending institutions prefer not to deal with brokers and will often not make their best rates available to them. Plus, with a Desjardins mortgage, you benefit from yearly branch dividends that can save you hundreds, even thousands, of dollars per year. Why not a broker? Brokers don't have any affiliation with a particular lending institution. That means that once they've found your mortgager, they're out of the picture. Because we maintain a long-term relationship with each Desjardins branch in the area, continuity and follow-up is assured. We're also very knowledgeable about all the options and features available to you. All that means you come out ahead. What makes Desjardins so special? When you take a mortgage with Desjardins, you're not just a client. You become part owner of the company. Any profits your branch makes is shared with you. In fact, it's not unusual to receive dividend cheques upwards of $500--and sometimes in the thousands--each year. When Desjardins wins, you win. How much can I afford? That's a question we get very often. We suggest you start by doing some general calculations with our easy-to-use online calculators. Then call us and we'll sit down with you to determine with much greater detail what you can and should be aiming for in a property. What's a pre-qualification? A pre-qualification is a certificate that proves that you're approved for a given mortgage amount. That means that when it comes down to making an offer, you might be able to edge out a competing buyer who still needs approval.
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We know that every first time buyer needs guidance in buying the home of their dreams. Even experienced home buyers can often use a little professional advice. That's why we start with a complete walkthrough of the process of mortgaging a home purchase.
After evaluating all your financial data as well as your home buying targets, we'll issue you with a the pre-qualification certificate. This certificate is our guarantee that when you need the mortgage, it will be there for you. This certificate can often mean the difference between losing out on your dream home or getting it.
Once you've acquired your home and it's time to settle in, we'll ensure a smooth handover to your local Desjardins branch. We maintain ongoing relationships with each branch in the area and will personally ensure that your needs are met.
Still have questions? Call us and tell us your homeownership goals. We'll be happy to sit down with you to work out what your options are and prepare an achievable and realistic plan.