Verico Summit Mortgage Services Inc. 1.888.707.0883 or 705.645.8645

First mortgage or renewing soon?

First mortgage or renewing soon?

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Think outside the bank

Think outside the bank

Our rates are great, and our service? Invaluable.

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Your interests come first

Your interests come first

We shop all lenders and compare options

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First home or vacation getaway?

First home or vacation getaway?

Muskoka’s mortgage broker is here to help.

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Why Us

It’s not just rates: the whole package counts

Our mission to provide only Personalized Mortgage Strategies™ set us apart from others in mortgage lending. It’s not just rates: it’s the whole package that counts.

 

We:

  1. Work only for you.
  2. Shop all lenders for best rates and options.
  3. Make the mortgage process easier.
  4. Are a Mortgage Broker (read Why Use a Broker)

 

Need mortgage money? We can help. We can provide Second Mortgages, Commercial Mortgages, Investment Property Mortgages, 120 day pre-approvals, Free down payment, Up to 5% cash back, Renewals, No Fee Switch, Home equity lines of credit, and can help you Refinance for Equity takeout for such needs as debt consolidation, home renovations, vacations, business, and your children’s education.

We work only for you. Our goal is to find you the mortgage that best fits your life goals, not anyone else’s. We look at the factors that can influence your future lifestyle and financial situation. Yes, we always offer the lowest rate possible, but if you’re buying a mortgage just on rate, you could be missing out on options and features that could be important for the welfare of you and your family. Plus, we are not linked to just one lender and we don’t favour one lender over another. What drives us is getting the best fit for you.

We shop all lenders for you. A mortgage may be the biggest financial investment you will ever make so of course you want to look at all the options available to you. But do you have the time and financial expertise to find the best deal? Let us do the shopping for you – it’s the main reason people choose a Mortgage Broker. Unlike a mortgage professional with a bank, we can shop all the banks and all the lending companies to find you the best rate and the best mortgage option for you. In most cases, our service is at no cost to you. We are paid a fee by the lender, and as those fees are pretty much the same, there is no financial incentive for us to suggest one lender over another.

We make the mortgage process easier. From the moment you call us, we work through all the details with you – from the information you will need to provide (it can be widely different depending on the property and potential lender) to helping you meet with a real estate lawyer and even after you’ve taken possession. If you’ve had a mortgage before, what happened after the mortgage deal was arranged? Guaranteed, we’ll be here to answer any questions and we’ll keep in touch to make sure all is going well.

We are a Mortgage Broker. Being a mortgage broker means we can – and must – do more for you than a mortgage professional at a bank. There’s a difference between using a mortgage professional, advisor and a Broker. Only a mortgage broker can offer one-stop-shopping with a selection of mortgage lenders, representing hundreds of mortgage products. So we can save you a lot of time and provide you with the assurance that you’re getting the best mortgage available.

Did you know Ontario requires brokers to confirm suitability when recommending a mortgage? This suitability legislation, which doesn’t apply to mortgage salespeople at banks, is there to protect you.

Only one credit check – another protection for you — is also a good reason for choosing a mortgage broker. Because we do the one-and-only credit check required, your reputation at the credit bureau remains unchanged – did you know that multiple credit checks, by a variety of financial institutions, could actually damage your credit rating?

We act as your negotiator and we make every detail clear. When you have the mortgage you want, you’ll also understand the details.

We deal with the most established and reputable lenders in Canada, as well as private capital. You can be assured that all of the peace-of-mind features you require are available, like CMHC or Genworth Insurance.

We are committed to the highest ethical standards; our reputation depends on it.

One more thing: We are only one of two Mortgage Brokers actually living and working in Muskoka.

We live where we mortgage. We have been Muskoka’s Mortgage Broker since 2006. Why does that matter? After all, we sell mortgages all over Ontario and in other parts of Canada. Here’s the thing: we know that getting the right mortgage in cottage country for a home, cottage or commercial property can pose unique challenges. In the city, it’s easier to compare buildings, while in rural Ontario, it’s rare to find properties that are similar – except maybe in new subdivisions of our larger towns. But that’s not a worry for you when you choose us. We’ve seen it all, and answered it all, and we’ll do the same for you.

Did you know… some mortgage agents advertise in Muskoka but their offices are elsewhere? If you are looking for money for Muskoka property, urge you to ask any broker or agent where their office really is.

We’re also proud to be deeply involved in our community, always helping out with community organizations and events.