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OUR CLIENTS OFTEN ASK "WHY DOESN'T EVERYONE USE A MORTGAGE BROKER?". OUR RESPONSE, "GOOD QUESTION!!!"
HELLO AND WELCOME TO MY WEBPAGE
My name is Mike Missere and I am here to help you to get the best mortgage possible for your requirements. Service is of the utmost importance and to keep you educated and informed throughout your application process right down to funding. Plus I am always there afterwards to answer any questions you may have in the future. Once you become one of our clients you become a client for life.
My service is specialized in that I deal with almost every major lender in Canada plus a number of other quality institutional lenders that do not have a presence in Northwestern Ontario. I shop for the best mortgage that meets your needs first and not the banks. Rates,mortage types, we find the mortgage that suits you the "best!". My main focus is to take care of your best interest.
I believe my easy approachability and friendliness along with over 35 years of experience in the financial services industry will make you feel comfortable in what can be a stressful and confusing time.
I have lived in Thunder Bay for most of my life, married with two daughters, I enjoy golf and downhill skiing, good concerts, spring and summer.
Knowledge, experience, and friendly efficient service is what I am about. Give me a call I would certainly appreciate the opportunity to get to work for you!
7 reasons to use a Mortgage Broker over your BankCheck it out
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 January 30, 2023
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* Insured mortgage rates, subject to change. Conventional and refinance rates may be higher. OAC. E&OE