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Mortgages Made Easy

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With 15 years of lending experience, I offer professional, ethical, and honest financial advice to help you achieve your goals. Let's work together to make it happen.

The Mortgages Hero - British Columbia Mortgage Broker Dennis Sabitoff

How It Works

Application - British Columbia Mortgage Broker Dennis Sabitoff

Application

To get started, simply click on ‘Apply Now' and fill out my easy online mortgage application.

Contact - British Columbia Mortgage Broker Dennis Sabitoff

Contact

I'll reach out to discuss your goals and concerns. I'll provide an action plan for your best outcome.

Approval - British Columbia Mortgage Broker Dennis Sabitoff

Approval

I'll work closely with the lender for a smooth process. You'll be kept in the loop the entire time.

Closing and Beyond - British Columbia Mortgage Broker Dennis Sabitoff

Closing

I'll guide you through the final steps and answer any questions even after closing.

About Me

As a lending professional with over 15 years of experience, I have the knowledge and expertise to guide you through the loan process and find the best terms for your budget. Whether you're a first-time homebuyer or a seasoned investor, I can help you navigate the financial aspects of home buying and ensure a smooth closing. My commitment to my clients is unmatched, and I will take the time to understand your unique situation and help you make the best decision for your needs. So let me help you make your homeownership dream a reality.

About Me - British Columbia Mortgage Broker Dennis Sabitoff

What Sets Me Apart

What My Clients Are Saying

Antony
Antony
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Dennis was amazing in helping me navigate the mortgage process. He understood my unique financial situation and provided personalized advice that was crucial in making informed decisions.
Marina
Marina
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Working with Dennis was an absolute pleasure. He was always available to answer my questions and offer guidance. His friendly and approachable demeanor made the entire mortgage process much less daunting.
Arman
Arman
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I was struggling to find a suitable mortgage until Dennis stepped in and found me a great deal. I am so grateful for his expertise and ability to negotiate on my behalf.
Dima
Dima
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Working with Dennis was a pleasure. He was always available to answer my questions and offer guidance throughout the entire mortgage process.
Olga
Olga
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I highly recommend Dennis to anyone looking for a mortgage. His knowledge, reliability, and trustworthiness made the process stress-free and enjoyable.
Kosta
Kosta
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Dennis went above and beyond to ensure that I got the best possible mortgage for my needs. His dedication and expertise were greatly appreciated.
Andrey
Andrey
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If you're looking for a mortgage broker who truly cares about your needs, look no further than Dennis. He is the best in the business and will ensure that you get the best deal possible.
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Commonly Asked Questions

The minimum down payment required to purchase a home in Canada is 5% of the purchase price, for homes priced up to $500,000. For homes priced over $500,000, the minimum down payment is 5% for the first $500,000 and 10% for the portion of the purchase price above $500,000.

The maximum amortization period for a mortgage in Canada is 25 years, for mortgages with a down payment of less than 20%. Mortgages with a down payment of 20% or more can have an amortization period of up to 30 years.

A fixed-rate mortgage has an interest rate that remains the same for the entire term of the mortgage, while a variable-rate mortgage has an interest rate that can fluctuate based on market conditions.

A mortgage stress test is a financial stress test that Canadian lenders are required to use to determine if borrowers can afford their mortgage payments. The stress test requires borrowers to qualify for a mortgage at a higher interest rate than the actual rate they will pay.

Mortgage default insurance is insurance that protects lenders in case borrowers default on their mortgage payments. It is required in Canada for all mortgages with a down payment of less than 20%.

It is possible to get a mortgage with bad credit in Canada, but it can be more difficult and may require a larger down payment and higher interest rates.

A mortgage pre-approval is a process where a lender evaluates a borrower’s financial situation and determines the maximum amount they can borrow for a mortgage. A pre-approval can help borrowers determine their budget and make the home-buying process easier.

Fees associated with getting a mortgage in Canada include application fees, appraisal fees, legal fees, and mortgage insurance premiums.

A mortgage term in Canada is the length of time that a borrower is committed to a specific mortgage rate and lender. Mortgage terms can range from 6 months to 10 years.

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