New Home Purchase

Using a Mortgage Agent

Whether you're a first time homeowner or you're a seasoned homeowner, getting a mortgage is the most crucial aspects of the process, and it can be quite stressful.

Luckily, there are Mortgage Agents to bridge the gap between the client and the lender. Mortgage Agents are professionals that are trained to represent their client, understand their client, and help their clients understand and eventually acquire a mortgage product that is best suited to their individual needs.

Crossman Mortgages is a member of the Breezeful Brokerage, which is a nationwide brokerage operating in most provinces. This gives Crossman Mortgages access to over 80 different lenders to help find the perfect mortgage for your individual circumstance.

Brandon is licensed as a Mortgage Associate in the Province of New Brunswick, and he works closely with clients in the Saint John Area. Curious about numbers? Check out our Mortgage Calculator.

We are currently serving the following areas:

• Saint John

• Rothesay

• Quispamsis

• Hampton

• Grand Bay-Westfield

• St. Martins

• St. Andrews

Your location not listed? Contact Us.

Do I Qualify for a Mortgage?

Many borrowers, especially first-time homebuyers, wonder if they would even qualify for a mortgage. While it is true that your credit history, income, and employment history all play a role in your overall financial picture, your Mortgage Agent is able to work with you to determine what kind of mortgage options best suit you.

If there are no options for you at the present moment, that does not necessarily mean that you will never qualify for a mortgage. Your Mortgage Agent will be able to help you understand what kinds of roadblocks you may need to navigate to change your financial picture and secure a mortgage in the future.

What's your best rate?

This is one of the most common questions clients ask when they are shopping for a mortgage product. While there are many advertised rates that you may see, determining what rate you qualify for is the better question to be asking.

Your Mortgage Associate is trained to analyze your financial situation and work with lenders to match you to the most suitable mortgage product for your individual needs.

While the rate is an important feature of a mortgage product, there are other questions to be asking yourself:

1. How long of a commitment do I want?

2. Will things in my life change in a few years?

3. Do I want a flexible mortgage?

4. Do I want consistent payments or am I okay with fluctuations?

5. Do I need a mortgage now or am I okay with waiting?

Discussing these kinds of questions with your Mortgage Agent can help them determine what mortgage product may serve you better.

Book a Free Mortgage Consultation to discuss:

• New Home Purchases

• Refinancing

• Renewing

• Home Equity Line of Credit

• Reverse Mortgage

• And anything else mortgage-related