Todd Smith

Mortgage Agent Level 1

Originator Licence #M24003227

Why Work with a Mortgage Agent? Discover the Benefits

When it comes to securing a mortgage, having the right expert on your side can make all the difference. As a licensed mortgage agent, I’m here to save you time, money, and stress—while helping you find the best mortgage rates and solutions tailored to your unique situation.

1. Access to Multiple Lenders and Better Mortgage Rates

Unlike banks that only offer their own products, mortgage agents work with multiple lenders, including major banks, credit unions, and alternative lenders. This means I can shop around and negotiate to get you competitive mortgage rates and terms that suit your financial goals.

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2. Personalized Mortgage Solutions

Whether you're a first-time homebuyer, self-employed, or looking to refinance your mortgage, I take the time to understand your needs. I’ll match you with the right mortgage product—fixed-rate, variable, or even private lending options.

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3. Expert Guidance Every Step of the Way

The mortgage process can be confusing, especially with changing interest rates, mortgage stress tests, and lender requirements. As your mortgage agent, I guide you through everything—from pre-approval to closing—making sure you’re confident and informed.

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4. Save Time and Avoid Hassle

Applying to multiple lenders on your own can hurt your credit score and take a lot of time. I handle the paperwork, submit your applications, and negotiate on your behalf—so you can focus on finding your dream home.

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5. My Services Are Free (in Most Cases!)

In most scenarios, I’m paid by the lender—not by you. That means you get professional mortgage advice and service without extra cost. It’s a win-win.

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Ready to Talk About Your Mortgage Options?

Let’s take the stress out of getting a mortgage. Whether you’re buying your first home, renewing your current mortgage, or exploring investment opportunities, I’m here to help you get approved with confidence.

📞 Call now or 📩 request a free mortgage consultation today!

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We're here to help you with home purchases, mortgage renewals, refinancing and more.