Servicing All of Northern Alberta
Professional Mortgage Brokerage
A professional mortgage broker provides you with the tools and information needed to acquire a mortgage successfully. At Alberta Mortgage Centre, we work one on one with clients to determine your mortgage goals and evaluate the current potential for approval.
Working with a mortgage broker in Edmonton improves your chances of receiving favourable terms from an underwriter. When our clients don’t get the answers they hope for; we’re here to support you through the negotiation process.
Mortgage brokers are a great alternative to traditional bank mortgages. These services are available to first time and experienced home buyers in Alberta.
The Alberta Mortgage Centre Difference
For a mortgage broker in Edmonton, look no further than the Alberta Mortgage Centre. Our brokerage is part of the oldest network of mortgage brokers in Canada, and our Edmonton team has been helping Canadians finance their homes for more than 20-years.
As a local business, we want the best for our friends and neighbours. Our team is dedicated to delivering the best rates, best service, and best selection of products available. From start to finish, you can rest assured that as a mortgage broker in Edmonton, nobody negotiates harder for their clients than Alberta Mortgage Centre. We’re here for you.
When Results Matter
At Alberta Mortgage Centre, we know that no two mortgage applicants are the same. We consider each special quality our clients possess to customize mortgages to your needs. For example:
- Self Employed Applicants – As a self-employed Albertan, your mortgage process is unique. For traditional banks, self-employment appears risky, but Alberta Mortgage Center sees things differently.
- Applicants with Credit Issues – Applications with no credit or low credit may not qualify for a traditional bank mortgage. We can help.
- Applicants Renewing a Mortgage – We specialize in mortgage transfers and renewals, simplifying this process for our clients.
Keeping our clients informed is what sets us apart from other mortgage brokers in Edmonton.
Dedicated To Providing Our Clients With The Best
We take great pride in the quality of service, attention to detail, and results when arranging for our clients mortgage financing. The team of mortgage brokers in Edmonton at Alberta Mortgage will earn your business with their quality of service and the dependability of their results.
Meet The Team
Are you Self Employed? Recent changes in mortgage lending criteria have now made it possible for self employed Albertans to buy a home with as little as a 5% down payment. If you are self-employed you may have had difficulty in getting approved for a mortgage. This is because lenders perceive people who are self-employed as having unsteady or unreliable incomes and a track record of income can require digging up a mountain of paperwork. The goal of your mortgage broker in our Edmonton office is to walk you through the process of buying a home; one of the largest and most important responsibilities you will ever take on in your life. Your mortgage broker in Edmonton can also be a useful resource in applying for a mortgage when self-employed. Mortgage Renewal or Transfer? Every homeowner will have to renew their mortgage at some point during their amortization term. You will need the services of a mortgage broker from our Edmonton office to ensure your paperwork is done right and you get the best rate possible. Your mortgage broker in Edmonton can assist you with making sure you have your current terms and interest rate on a new home if you decide to move. At Alberta Mortgage we will earn your business by searching for the lowest mortgage interest rate possible, the very first time you call. Past Credit/ No Credit Issues? There’s no need to feel you can’t get a mortgage today because you have had some financial issues in the past, or because you’re new to the country and have no credit rating. At Alberta Mortgage Centre, we care about the experience that every client has when buying a home. Any mortgage broker in our Edmonton office will understand that not everyone has perfect credit and that people may have had financial issues and debt in the past. Your mortgage broker in Edmonton should be a helpful resource in securing a mortgage no matter your previous credit issues.
First Time Home Buyer Tips
- If you are a first time home buyer in Edmonton, you should know your credit score.
- You should prepare an analysis of your income and decide how much you can afford to spend on a mortgage if you are afirst time home buyer in Edmonton.
- A first time home buyer in Edmonton should have 20% of the purchase price of a house as a down payment.
- As a first time home buyer in Edmonton, you should gather all financial documentation that you will need to be approved for financing.
- Take advantage of the tax incentives you are entitled to as a first time home buyer.
Why Use a Mortgage Broker
The team of mortgage professionals here at Alberta Mortgage is committed to finding you not only the best rate on the market, but also a mortgage that fits your lifestyle best. Alberta Mortgage is an Edmonton Mortgage Brokerage with mortgage brokers in Edmonton who work hard to save you time, money, and the headache of having a mortgage that doesn’t work for you.
Lower Your Debt Costs
Debt consolidation (in the context of a real estate) is when an individual converts their high interest, short term debt (credit cars, personal loans, unsecured loans, car loans, etc) into a lower cost loan in the form of a mortgage or secured line of credit.
Pay Off Your Mortgage Faster
The biggest concern of most Canadian homeowners is to pay off their mortgage as fast as they possibly can. Generally, homeowners are aware that providing extra down payment, and extra payments during the early years of the mortgage will dramatically lower the life and interest costs associated with the mortgage.
How Alberta Mortgage Centre Helps
Alberta Mortgage Centre understands that every homeowner or potential homeowner has different needs. To help each of our customers, we supply a variety of products and services. Some of the ways we help include:
- Debt Consolidation – Debt refinancing through consolidation.
- Mortgage Renewal – When your mortgage term ends, and you need to determine a new term.
- HELOC (Home Equity Line of Credit) – A line of credit secured by your home.
- First Time Home Buyer – First time home buyers are entitled to tax breaks and promotions. We can help.
- Reverse Mortgage – For homeowners 55 and up, you may be eligible to borrow up to 55% of your equity tax-free.
For more information on obtaining a mortgage in Edmonton, contact Alberta Mortgage Centre at 1-800-651—8043. Or contact us online here.
