Genevieve
O’Connor

Nothing. My service is free to you as the borrower. I’m paid a commission by the lender when your loan settles, a standard industry arrangement that doesn’t affect the rate or product you receive. Under Best Interests Duty, I’m legally required to recommend the loan that’s in your best interest regardless of which lender pays more.

When you go to your bank, you’re choosing from one lender’s products and speaking to someone paid to sell them. I compare products across a broad panel of lenders, do the analysis for you, and am legally required to act in your best interest. The result is usually a better rate and better features, with far less effort on your part.

Pre-approval can often be arranged within a few business days once documents are in order. Formal approval typically takes 2 to 4 weeks depending on the lender. Settlement then follows at the date in your contract. I keep you updated at every step, no silence, no chasing.

Absolutely. This is where working with a broker who understands accounting makes a real difference. Self-employed borrowers are often declined not because they can’t afford the loan, but because their income looks different on paper. I know which lenders accept which documentation, and many of my clients are self-employed.

Best Interests Duty is a legal obligation under the National Consumer Credit Protection Act requiring mortgage brokers to act in the consumer’s best interest. I’m legally required to recommend the most suitable loan for your situation, even if another lender would pay me a higher commission. It’s a meaningful protection, and one I take seriously.

Yes, most refinances happen mid-loan. I’ll calculate the exact break-even point for your situation so the decision is clear. In many cases, switching saves thousands per year from day one, especially if you haven’t reviewed your rate in the last 18 to 24 months.