1. Mortgage Consultation & Advice • Assess clients’ financial situations (income, debts, credit score) • Recommend suitable mortgage options based on their needs (e.g., fixed vs. variable, term length) ⸻ 2. Loan Shopping • Compare mortgage products from multiple lenders (banks, credit unions, private lenders) • Aim to secure the best rates and terms for the client ⸻ 3. Application Assistance • Help clients complete and submit mortgage applications • Gather supporting documentation (e.g., income verification, credit reports) ⸻ 4. Pre-Approvals • Arrange mortgage pre-approvals to help clients know their borrowing limit before house hunting ⸻ 5. First-Time Homebuyer Support • Guide new buyers through the process, including explaining incentive programs like: • First-Time Home Buyer Incentive • RRSP Home Buyers’ Plan ⸻ 6. Refinancing & Renewals • Help clients refinance existing mortgages to lower rates, consolidate debt, or access equity • Assist with switching lenders or renewing mortgages at better terms ⸻ 7. Investment & Commercial Property Financing • Secure financing for rental properties or commercial real estate ⸻ 8. Specialized Mortgage Solutions • Private lending for clients with poor credit or non-traditional income • Construction or renovation loans • Reverse mortgages for seniors