Your Mortgage,
Handled Right.

A mortgage broker acts as an intermediary between you and lenders. Instead of going directly to one bank, a broker shops your mortgage to multiple lenders — banks, credit unions, and monoline lenders — to find the best rate and terms for your situation. The broker's compensation is typically paid by the lender, not the borrower.

A bank can only offer you their own products. A mortgage broker has access to dozens of lenders and can compare rates and products across all of them. This often results in a better rate, more flexible terms, and a smoother approval process — especially for self-employed borrowers or those with unique financial situations.

Ajay pulls your credit bureau once and submits to lenders under a single inquiry. Unlike applying at multiple banks individually (each pulling your credit), working through a broker minimizes the impact on your credit score.

The federal mortgage stress test requires borrowers to qualify at a rate higher than their actual contract rate — specifically, the higher of your contract rate plus 2%, or 5.25%. This ensures borrowers can handle potential rate increases. Ajay can run the full stress test calculation for you during a free consultation.

Pre-approval can typically be completed within 24–48 hours once all documentation is received. Full approval (for a specific property) generally takes 3–5 business days depending on the lender.

In most cases, yes. Lenders pay the broker's commission when your mortgage funds. For certain private or alternative lending situations, a broker fee may apply — Ajay will disclose any fees upfront before you proceed.