MORTGAGE BROKERS2017-10-29T12:18:23+00:00

A mortgage broker acts as an intermediary who brokers mortgage loans on behalf of individuals or businesses. Traditionally, banks and other lending institutions have sold their own products. However, as markets for mortgages have become more competitive, the role of the mortgage broker has become more popular. Today in most developed mortgage markets (especially in Canada, the U.S., the UK,Australia, New Zealand and Spain), mortgage brokers are the largest sellers of mortgage products for lenders. Mortgage brokers exist to find a bank or a direct lender that an individual seeks with a specific loan the individual is seeking.


Banking activities can be divided into the following:

  • Retail banking: dealing directly with individuals and small business
  • Business banking: providing services to mid-market business
  • Corporate banking: directed at large business entities
  • Land mortgage banking: it specializes in originating and/or serving land mortgage loans
  • Private banking: providing wealth management services to high-net-worth individuals and families
  • Investment banking: relating to activities on the financial

Typically the following tasks are undertaken:

Each bank account has its own form that must be filled in instead we choose which bank will be the best option for you to apply for. This information helped our Company to review your profile and let you know how much you can afford.

  • Assessment of the borrower’s circumstances (Mortgage fact find forms interview) – this may include assessment of credit history (normally obtained via MIAPC) and affordability (verified by income documentation)
  • Assessing the market to find a mortgage product that fits the client’s needs. (Mortgage presentation/recommendations) applying for a lenders agreement in principle (pre-approval)
  • Gathering all needed documents (paystubs/payslips, bank statements, etc.)
  • Completing a lender application form
  • Explaining the legal disclosures
  • Submitting all material to the lender
  • Upholding their duty by saving their clients as much money as possible by offering best advice for the clients circumstances and the best interest rates on the market.

Required Documentation: (Bank Documents)

If you are independent:

  • Passport or Cedula
  • Banking statement for the last 6 months
  • Light or Water Bill from your current place of residence.
  • Letter from the CPA certifying your income: If you do not have this we can help you, or in some cases you may even need Financial Statements.

If you have pay stubs:

  • Cédula
  • 2 lasts pay stubs or ficha
  • Work letter
  • Light or water bill from the current place you live

Any additional documentation is required once we review your case.


Your Name (required)

Your Email (required)



Other Income

Independent or Ficha

If independent you need to have at least the last sixth month bank statement.

How many credit cards

Credit cards limit

Personal Loans Montly payment

Your Message