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From our Clients
Isaac was extremely helpful. As a business professional I understand what it takes to be useful and effective. Isaac checked all 3 of those boxes for me. Honestly with our plan of attack I cut 3 years of struggling through my business with the better money management. I highly recommend Isaac.
Peter Howell
Isaac is the epitome of professional, patient and understanding. My entire experience with this company has been nothing short of spectacular. Isaac has gone above and beyond every step of the way and I’m very pleased to have worked with him. If you’re looking for some financial advice this is the place to contact!!!
Beau Webber
My husband and I were initially dealing with another mortgage company who was giving us the biggest run around. We started dealing with them in May and still had no progress by July. My husband found Issac who ended up getting a deal put together for us within a week and a half at a great rate too! We are so grateful for him and how quickly he was able to work! I highly recommend him for anyone looking for professionalism, honesty and speed!
Ashlei Iris
We highly recommend Isaac as a Mortgage Broker for you! We really enjoyed working with Isaac on our mortgage. Isaac is thorough, prompt, and very professional. He made sure to take every step necessary to give us a maximum chance with our lender. And he has succeeded! Thank you Isaac. We look forward to acquiring your services in the future!
Jelena Stewart
I honestly can't think of any possible way Isaac could provide a better service. He is a perfect blend of professional and approachable, which makes him incredibly easy to work with. We didn't have a straight-forward situation, so Isaac laid out all our possible scenarios in plain language and answered every possible question we could throw his way. If there was something he wasn't certain about, he would figure it out and get back to us within a day. Having dealt with a lot of financial professionals in my life, I can honestly say that Isaac is by far leading the pack with his communication, patience, and ALWAYS figuring out what's best for his clients. Seriously, call the man. You won't find anyone better.
Scott Levely
Isaac has been great to deal with. I have done several projects with Isaac and since being a self employed business owner it creates extra challenges on the financing side. He's always been up to the challenge to find different financing options for me.
Blair Poole
We recently worked with Isaac Rosebrugh for our mortgage refinance. He listened to our needs, asked appropriate questions, and promptly provided us with information as to our options. With Isaac, we felt supported every step of the way. His attention to detail, paired with helpful mortgage tips, made this mortgage refinance effortless. He worked well with both our lender and our lawyer, and our mortgage was funded on time, at an amazing rate. We were thrilled with the level of professionalism and customer service that he provided to us, and we would not hesitate to recommend him to all of our family and friends. Thanks so much, Isaac!
Elizabeth Banuelos
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Frequently Asked Questions
Will a homeowner owe more than the home is worth?
The homeowner keeps all the equity remaining in the home. In our many years of experience, over 99% of homeowners have money left over when their loan is repaid. The equity remaining depends on the amount borrowed, the value of the home, and the amount of time that’s passed since the reverse mortgage was taken out.
Should a reverse mortgages be a last resort?
No. Many financial professionals recommend a reverse mortgage to supplement monthly income instead of selling and downsizing, or taking out a conventional mortgage or a line of credit.
How are pre-qualified and pre-approved different?
A pre-approval is very different than a pre-qualification – before you start shopping for a new home, you want to be sure that you get a pre-approval. A pre-qualification can normally be obtained very quickly by a simple phone call or completing a quick online form, providing information such as your income, debts, and assets, which is used to pre-qualify you in about 30 seconds without verifying the information. If you are estimating, make a mistake or forget about something, it could have a major negative impact on the amount you could qualify for, leading to problems down the road when the mortgage is properly verified by an underwriter. A mortgage pre-approval is what every home buyer should obtain prior to looking at homes. A mortgage pre-approval can be easily defined as a written commitment for a buyer from a mortgage lender. To obtain a mortgage pre-approval you will be required to provide the same documents that are required when formally applying for a mortgage, such as T4’s, employment letter, pay stubs, and bank statements. At Inspired Mortgage we fully underwrite your mortgage pre-approval upfront, so you can shop with confidence and have peace of mind when submitting your offer.
How much does it cost to use a Mortgage Broker?
There’s absolutely no charge for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer. If your situation is a little more complicated and we need to source alternative lending solutions, there could be additional fees associated with obtaining your financing. These fees are typically in the range of 1%-2% of the loan amount and are only paid once mortgage is approved and closed. Your Mortgage Broker will let you know up front if any additional fees may be required, so you know exactly what your costs will be before you start shopping for a home
Why should I use a Mortgage Broker over my bank?
A Mortgage Broker has access to many different lenders and mortgage products, including those from some of the big banks. Choosing to work with a Mortgage Broker simply provides you more options than what your bank can provide and more choice means more competitive rates and better terms! A Mortgage Broker works for YOU, not the banks, to provide independent, unbiased advice on the best mortgage products available from multiple lenders. A good Mortgage Broker will also work with you throughout the life of your mortgage to ensure it remains aligned to your financial goals and notify you of any opportunities to make changes and save even more money – when was the last time your bank called to inform you of available savings?
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Locations
Office #1
80 Brant Ave., Suite 100
Brantford, ON N3T 3H1
Office#2
Paris, ON
Phone
+1.289-667-3081Contact Form
Connect with our team today to start your mortgage approval process! Your dream home awaits! We would love to hear from you.