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Vita Li Vigni, Sales Representative, Right at Home Realty Inc., Brokerage  Office: 416.662.2945 |

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First thing on the list before you look at a single property or even call a Realtor is to contact a mortgage professional. After all, you can’t shop till there’s money in your wallet. Your mortgage representative will let you know your purchase limit and what options you have for rates and repayment.

Here, you have two options: you can deal with your bank if you are comfortable with them, or call a mortgage broker, who offers products from your bank and more than 40 other lenders – they will shop you out for the best deal.

However, your bank will often match the best offer given to you, or give you a good deal because you are a valued client. Try both avenues and use the one that’s best for you. But don’t jump at the first option.


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