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Mortgage Agent Level 2
Lic # 10428
Specialties: Residential Mortgages, Commercial Mortgages, Alternative Lending, First-Time Home BuyerApply Now
Jeff Robar is a full-time member of the largest Mortgage Intelligence office in the Durham Region. Jeff has a highly loyal following in the real estate community where he is recommended by some of Durham Region’s top real estate practitioners to their clients. Because of this reason, why would you go anywhere else?
Having over 50 lenders at his disposal, Jeff can tailor your financing to your unique lifestyle and goals and help you find the perfect solution. As a leader in the mortgage business, Mortgage Intelligence can offer highly competitive rates for every situation. In addition to the everyday low rates, we can also offer our clients special unadvertised rates, therefore leaving you with the knowledge that you are getting the very best product and service available.
At Mortgage Intelligence, common sense lending is what we do. We are able to get your mortgage approved, even if you do not meet a Bank’s criteria. With Mortgage Intelligence, you can expect an authentic experience defined by honesty, integrity and fun while knowing that our only concern is for you to achieve your financial goals.
Jeff specializes in many different types of mortgage lending. If you require a mortgage for a Residential or Commercial property, a Vacation home or an Investment property, Jeff can find the right one for you!
At Mortgage Intelligence, we strive to make the entire mortgage process as easy and as seemless as possible. We work with your schedule! You can visit our office on appointment or you can do everything from the comfort of your own home. With today’s technology, we are always at your fingertips whether by phone or online 24/7 from anywhere in Ontario!
At Mortgage Intelligence we make ourselves a complete resource for our clients during the mortgage process. If you need Life, Critical Illness and Disability Insurance, as well as the necessary Home Insurance, we can do it all under one roof.
Together, we will meet your financial goals by ensuring you are matched with a mortgage that best suits your needs.
7 reasons to use a Mortgage Broker over your BankCheck it out
Commercial Mortgages fall into their own class of financial products. As a result of this you will need to work with a broker who specializes specifically in commercial mortgages. They are different because there is no standard methodology that all lenders use to underwrite them so they require a lot more expertise to successfully put together.
Lenders typically underwrite each commercial mortgage transaction according to the merits of the proposal and the financial strength of the borrower. Once the lender is satisfied with the risk in funding the commercial mortgage or project, they will then decide on price.
Our commercial mortgage professionals arrange complex funding for client projects utilizing strong relationships across the entire commercial lending community. Our team of commercial mortgage brokers are experts when it come to commercial lending types and posses the knowledge and understanding of the niche each lender serves, loan types they prefer as well as what security, interest rates, fees and debt service coverage meet the criteria of those lenders. They will help you determine the right lender and mortgage for your investment.
We will ensure that your financial needs are matched with the right lender so you can get the highest possible rate of success for your investment. Commercial lending is very different from residential mortgages and are subject to a strict set of criteria. The participants in this market are chartered banks, credit unions, life insurance companies, mortgage investment companies, and non-institutional companies. Each have a unique portfolio structure, pricing matrix, and appetite for specific loan types and industries. It's important to seek the advice of a mortgage broker to ensure that your requirements are satisfied, and you get the mortgage that helps you reach your short term and long terms investment objectives. Contact us to get started and take your first step into making your project a reality.
With the ever-changing market and a stricter stress test, many Canadians are finding it harder to qualify for a mortgage through traditional financial institutions “A-Lenders” and are turning to alternative lending solutions for their mortgage. At Mortgage Intelligence we work with many alternative lenders, who can offer excellent mortgage options with more flexible criteria and more lenient qualification requirements.
Alternative lenders are great for individuals who have non-traditional forms of income for example, capital gains, room rental income, child tax benefits and others or for self employed applicants who may not have the minimum required number of years being self employed.
These lending solutions are also a good option for those with lower credit scores. While the rate they offer is slightly higher than what you will see posted by an A-Lender, they are nothing out of the ordinary when compared to traditional rates posted in Canada. They also generally have shorter terms, meaning that you can get into the home of your dreams while being able to rebuild your credit at the same time.
Buyers who don’t qualify under the mortgage stress test can also take advantage of the expanded debt service ratios allowed by alternative lenders to qualify for a mortgage and get into the home of their dreams. If you have a very unique situation, we also have access to various private lenders who are even more flexible and lenient in requirements and may be able to offer you mortgage options that fit your situation. In today’s environment, we’re seeing more private lenders helping Canadians with their mortgages.
Call your Mortgage Intelligence professional to find out about the different options available to you. They are experts when it comes to mortgage products and different solutions and will provide you with unbiased advice. They work for you, not the lender.
Today's Exclusive Mortgage Intelligence Rates
As of May 30, 2023
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* Insured mortgage rates, subject to change. Conventional and refinance rates may be higher. OAC. E&OE