Thanks for the kind endorsements Table and GATW.
Ducay I got your PM and sent you back my contact info.
As Slava mentioned lenders have tightened up on lending policies recently but that's not to say there aren't still lots of options out there for you.
It is tougher for Golden Retreivers to get mortgages now even with wallets taped to their collars. But if they have decent credit and good income it can happen.
Obviously I am biased but it is definitely to your benefit to use a mortgage broker. We have access to a bunch of lenders and we can shop your application around to find the best deal for you in the same time it takes you to set up an appointment with your bank. Plus your bank is only going to present you with a limited number of options, most that benefit them more than you.
Best part of all is my services are totally free to you.
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