Residential Mortgages

If you are considering taking out a home mortgage, you have come to the right place. Whether you are purchasing, renewing, or refinancing, you can count on the expertise of Today's Mortgage Choice

Our skilled, experienced brokers can locate the best mortgage products and options for each homeowner. We streamline the process, offering invaluable and unbiased advice at each step of the way.

Allow us to get you one step closer to the home of your dreams! Contact us today at (888) 418-6979 to schedule a consultation.

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What Is the Difference Between Mortgage Pre-Approval and Pre-Qualification?

Pre-approval and pre-qualification are essentially two steps of the same process. Pre-qualification is the first step in the approval process and involves submitting a simple overview of your financial history to a lender. The lender will calculate your affordability in order to determine the amount you qualify to borrow.

Pre-approval is a slightly more involved process and is the most valuable. It requires a full application. Receiving a pre-approval includes a conditional offer for a loan, along with a set interest rate, term, and contract conditions.

How Can I Improve My Chances for Mortgage Qualification?

It is advisable for anyone taking out a mortgage to maximize their financial standing by minimizing debts and improving credit scores. The more you are able to pay as a down payment, the more appealing you will be to lenders.

You’ll be required to give proof of income and employment as part of the application process. Ensure that your financial standing is such that you can afford your regular payments in the foreseeable future.

What Are My Options for Mortgage Lenders?

You have many: banks, credit unions, trust companies, and other organizations all serve as mortgage lenders. Depending on the interest rates and terms you are looking for, there is a lender that may be best for you.

Working with Today's Mortgage Choice gives you access to a variety of lenders. We work for you, providing impartial recommendations and insights into lenders.

With us, you can be certain to make the best and most informed decision.

What Are My Options for Refinancing or Renewing a Mortgage?

It is your prerogative at any point during your mortgage term to refinance your mortgage. This implies renegotiating your existing mortgage term and condition for a new deal.

If you reach the end of your mortgage term with an outstanding balance, a renewal will be necessary. Most people in this position choose to reset the term, interest payment, and frequency with the same lender, but you have the option to look elsewhere.

We are here to help you evaluate your goals and decide if renewal or refinancing makes sense to you.

Mortgage Expertise You Can Depend On

Today's Mortgage Choice can provide a wide range of mortgage services. We are expertly familiar with the latest changes in the market and have insider knowledge of all banks. Trust us as your advisors in helping you understand all facets of the mortgage application process.

Contact us today at (888) 418-6979 to discuss your options.