"A bank is a place that will lend you money if you can prove that you don't need it."

Bob Hope, American comedian

No one wants to have a mortgage, but almost everyone tries to obtain it. Why? Because a mortgage is a tool to achieve a very important goal – having your own home. Your own house or apartment is the basis for stability for you and your family.

You can get a mortgage from a wide variety of lenders. And the quality and terms will greatly depend on whom you are talking to about your mortgage. It could be a random bank clerk for whom you are just one of many, and who may switch to another job at any time and abandon you. Or you can work with a private mortgage agent who is responsible for you and accountable to a government regulator.

And remember that an agent can find you the best offer from different lenders – you will never get that from a bank clerk.

Your home is your castle! Let's build it together!

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