Leading the DeRosa Mortgage Team, powered by Indi Mortgage, Shannon DeRosa is at the forefront of client-focused service. With a strong history of providing personalized solutions and a commitment to excellence, Shannon’s approach goes beyond just closing deals. She focuses on creating detailed, long-term plans tailored to her clients' unique goals. This dedication has earned her team a loyal client base and industry recognition.
Mortgage brokers are licensed professionals who specialize in mortgages. Unlike bank employees, who deal with various financial products, brokers focus solely on the mortgage market. Their expertise enables them to offer personalized guidance and solutions that banks cannot provide.
One major benefit of working with a mortgage broker is access to a wide range of lending options. While banks only offer their own products, brokers have connections with multiple lenders, including banks, monoline lenders, and alternative lenders. These top-tier lenders often offer competitive rates and flexible terms that might not be available through traditional banks.
In most cases, clients do not pay fees to use a mortgage broker. Brokers are usually paid by the lender when a mortgage is finalized, making it a cost-effective choice for clients seeking customized mortgage solutions.
The DeRosa Mortgage Team excels at understanding what truly matters to their clients. By actively listening to individual needs and concerns, they ensure every recommendation aligns with long-term financial goals. This personalized approach is especially valuable for clients with unique situations, such as entrepreneurs, freelancers, or those with non-traditional income or credit challenges.
Key considerations include:
Product Features: Is the mortgage variable or fixed? What are the implications of each choice for the client's financial situation?
Restrictions: Some mortgages have restrictive clauses about selling or breaking the mortgage early, which could lead to higher penalties.
Client Comfort: Ensuring clients are comfortable and confident with their mortgage choice is crucial. If an option does not align with a client's comfort level or future plans, it is not the right fit.
Shannon and her team are proud to be recognized in the community for their dedication to excellence. The DeRosa Mortgage Team recently celebrated a Silver award in the Financial Advice category of the Best of Airdrie Awards, reflecting their unwavering commitment to client satisfaction.