Moving is a big change that everyone goes through at some point.

Whether it’s upsizing, downsizing, moving from a rental or finally deciding to buy your own home. And when it comes to acquiring a new home, it’s a big responsibility and it means stepping into a new chapter of your life.

You may feel your pulse pumping, stomach in knots and even sweaty palms once you’ve finally made up your mind to purchase your new dream home.

To get through the deal, there’s this entire mortgage process you have to move past (Read: 9 Easy Steps for First Time Home Buyers). You’ll need people that you can trust to cross the bridge with you. So, it’s imperative that you’re not alone on this journey.

First off, you’ll need a mortgage broker! Here, we’ll give you some tips on how to find your perfect Mortgage Broker match:

Check out their demeanor

As they say, ‘first impressions last.’ Did they shake your hand? Greet you warmly? Putting their best foot forward on a first meeting is a good indication of how they’ll treat you as a long-term client.

It also helps to know if they’re approachable; are they open to all the questions that you ask? Are they willing to go the extra mile for special or unique circumstances that you may have? 

Observe how they talk and act. Are they respectful? Do they seem interested? Are they consistent throughout the appointment?

These are important aspects you should look for in a mortgage broker, especially at the onset. An upfront, open and professional demeanor should be expected.

Their reputation matters

It’s a general rule that whenever you do business with someone you don’t know yet, you must first check their background. Are they true and legitimate? 

That rings especially true for mortgage brokers because once you meet with them, you’d have to share your personal finances. And that’s not a step that should be taken lightly.

So beforehand, ask around – ask friends for recommendations on a mortgage broker that they’ve worked with. Do some research yourself. Check out their website and look for other client testimonials.

Their commitment to YOU

As mentioned, it’s always a plus when a service professional goes the extra mile for you. It means that not only do they want your business, but they’re also vested in putting you into a good position.

The process of getting your mortgage loan can be tedious and it is full of numbers that may seem confusing. If a mortgage broker takes their time in explaining everything to you without hesitation, that’s a good sign. A good mortgage broker educates then sells.

If during the initial stages they aren’t dismayed with your measly budget and come up with ways to help you out, that’s a good sign. A good mortgage broker gives you workable options. 

Their ability and creativity to help you with your needs are big factors that’ll help you decide on which mortgage broker to trust.

Find someone transparent

Mortgage lenders generally have a set of rates and packages that they initially present to mortgage agents and brokers. However, not all packages are a fit for everyone.

If you have a certain budget that you need to work with, you must be upfront with the broker that you’re dealing with so that they can make necessary adjustments. 

But as the borrower, you need to be sure that everything presented to you is transparent. No hidden fees or charges.

Because a lender wants you to sign the deal with them, they’ll approve your request for a lower interest rate but later, you’ll be surprised with the fees that come with your contract and instead of saving money, you’ll end up paying a higher amount with the additional fees involved.

These are lenders to avoid. Find someone that can give you a win-win solution. A lender who’s honest and presents to you both the good and the bad can be trustworthy.

You need all the help you can get

Finding a mortgage lender that you’d want to make the deal with can be exhausting. That’s why hiring a mortgage broker with a solid network of trusted and reputable lenders is the answer. (Read: 5 Mortgage Broker Qualities to Count On)

Just call your mortgage broker, give them a background of your financial situation, your intended budget and let them do the leg work. All you need to do is show up to your appointment with documents in hand; the next thing you know, you’re waking up inside your dream home.


Daisy Raouph, CLU, CHS, specializes in mortgage financing solutions and financial services. A Mortgage Broker and Financial Security Advisor with over 30 years of experience in financial services. Contact us today to review your mortgage financing options. We can help!