Purchase Financing
Pre-approvals, first-time buyer programs and financing that keeps pace with a competitive market.
Explore purchase financingServices
Mortgage help for every stage of ownership
Buying, refinancing or renewing, the process starts the same way: a quick conversation and a clear plan.
Refinancing
Tap into your home's equity, consolidate higher-interest debt or restructure your mortgage to fit today.
Explore refinancingRenewals
Don't just sign the renewal letter. Compare your options across lenders before your term ends.
Explore renewalsWhat's included
Every file gets the full service
No matter which service you need, here's what you can expect.
- A free consultation and a written summary of your options
- Rate comparison across 50+ lenders, including ones that don't advertise
- Help gathering documents and a single secure application
- Coordination with your realtor, lawyer and lender through closing
- A check-in before your next renewal, so you're never caught off guard
Cody reviewing documents
FAQ
Common questions
What does it cost to use a mortgage broker?
For most residential mortgages, nothing. The lender pays the broker once your mortgage funds. Cody will tell you up front in the rare cases where a fee applies, such as some private or commercial lending.
Will shopping around hurt my credit score?
No. Cody pulls your credit once and uses that single report to shop your file to multiple lenders, so there's no repeated hard inquiry.
How is a broker different from my bank?
Your bank can only offer its own products. A broker compares the whole market, including lenders that only work through brokers, and negotiates on your behalf.
How long does an approval take?
Pre-approvals are typically turned around within 24 hours of receiving your documents. Full approvals depend on the lender and property but usually take a few business days.
Ready to talk about your mortgage?
Book a free, no-pressure call. Cody will walk you through your options and what to expect, in plain language.