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Accredited Mortgage Professional
Passionate about what I do and how it's done!
I work to provide mortgage solutions with service and expertise that makes a difference.
Cynthia's background and values
Cynthia had the benefit of being "immersed" into the mortgage industry by joining a high-volume brokerage when she first started out. She soon found that this training was not the norm in the business and she quickly gained the respect of the underwriters that she worked with in the lender offices (even helping to train their new employees) as well as her customers and referral sources. She also began to recognize areas that could be improved upon and set out to systematize processes and simplify concepts so that she could more effectively and efficiently communicate with her customers and referral sources.
Cynthia brings her strong customer service background to the mortgage industry. She consistently applies her understanding of excellent customer service to each and every client interaction that she has and has had the pleasure of receiving wonderful feedback from clients and referral sources alike. She also has had the pleasure of helping her first brokerage become a finalist for the Merix Financial Best Customer Service Award 2008 and is thrilled to have added to their success.
Cynthia is working as an independent mortgage professional with Quantus Mortgage Solutions. Quantus is a relatively new name in the mortgage broker industry, however, it is made up of many 'old faces'. We're a team of full-time, experienced mortgage associates who have been in the industry for many years and are determined to stay focused on the job of servicing the customer and demonstrating that excellent service makes the difference.
Cynthia's focus is the customer. To break that down even more, she feels that the customer deserves an answer to the questions: Why? How? When? Etc...
Many customers come to a broker after being turned down by their bank. No one at the bank told them WHY they were declined. Nor were they told HOW to fix the problem. Or WHERE to start. This could be said about someone whose credit score has been damaged. Did anyone explain this to the borrower? Do they know what to do about it? f they call Cynthia, they will know. Information is power and Cynthia believes that everyone should be empowered to understand and control their own finances. Her customers make informed decisions and that's why they are so happy with her services. They feel respected and valued. Who doesn't want that?
Cynthia has had the privilege to work on 100's of mortgages and has found great satisfaction and fulfillment in each area. Because of this, she has chosen to list a variety of scenarios below.
Self-Employed borrowers: Purchasing, refinancing, or investing. Sole proprietorships, incorporated, etc. Understanding the unique documentation requirements for these types of borrowers makes a world of difference. Many self-employed borrowers are savvy and can tell a novice apart from a pro. It's important to not waste their time and let them know right up front that you're worth talking to.
Example of tricky deal: borrower owns corporation which owns property that borrower wants to purchase, but does not have funds for downpayment. Can it be done? Yes! How? Call me...
New to Canada: Often over-whelmed by the culture, language and employment changes of a new country, these borrowers often are cautious because they may not know how to read you well enough to ensure they're getting the straight goods. It's important to be real and personable. To answer their questions without demeaning them is vital. Depending on what stage of immigration they are in dictates where you need to begin as far as documentation and advice goes. I have had the pleasure of helping many new Canadians successfully purchase their first home. They always make me feel appreciated in return by referring their friends and family, which is the greatest compliment I could receive.
No credit. I recently overheard another mortgage consultant say that she couldn't help a customer because they didn't have any active credit reporting. She sent them to their bank where they were quickly given the mortgage that they needed. STOP THE BUS! If the bank can do it, the broker can do it. Education is key. In this case, it was simply an issue with not knowing the insurer would do the deal and not taking the time to check. There are many different circumstances where the borrower may still be able to obtain financing without traditional credit. Call me...!
Poor credit. Ask yourself How? When? Why? What? Do you think this person could use some good advise? A listening ear? Yes, I do! I can't do everything and be everything to all people, but the fact remains that this group of borrowers are people too and perhaps they could benefit from my expertise. Some people choose not to accept the help offered and that's fine. Others are grateful that there is someone who cares and will be of assistance. My rule of thumb for this category: I will not provide financing that will cause hardship. I will not see their pain as an opportunity to make money. I will provide honest and open advice and assistance, if and when able and invited to do so. The goal is that the borrower should be in a better situation after I have worked with them.
First time buyers. Provide education. Provide tools and resources and referrals(if welcome). Work with the client to make sure they are comfortable with the process and fully informed so that there are no surprises. Keep the Realtor informed and up-to-date. Respect that they are depending on the broker for things to go smoothly. Communicate, communicate, communicate!
Renewals / Transfers. One of my favourites! Why? Because I was told that they were nearly impossible to do and I love a challenge! I have worked with many clients whose mortgage was up for renewal and have successfully found a new lender that the client is thrilled with. My secret? Listen. Be forthcoming. Move quickly. Communicate. And, of course - get a great rate!
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.