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Mortgage Specialists
Unlock the door to your dream home with our mortgage expertise. With us you are a step closer to the home you’ve always wanted!
Let Us Guide You Home!
Purchasing a home is one of the most significant investments you will make in your life. But navigating the world of mortgages can be confusing and overwhelming, with so many options and variables to consider. This is where a trusted mortgage specialist comes in – to help guide you through the process and ensure you get the best possible deal.
At HSS Movers, we are dedicated to providing you with exceptional service and expert guidance to make the home buying process as smooth as possible. We understand that each client is unique, with different needs, preferences, and financial situations. That’s why we take the time to get to know you, your financial goals, and your current financial status to provide you with customized advice and support.
mike2022-11-04I overpaid by $100 and they were honest enough to call me and return my money!!! Will definitely recommend to others!!!
Aaron Cohen2022-11-04Richard followed up with me every few days which made me feel very comfortable using HSS Movers, great service. Thank you
Omer Mecica2022-11-02Thank you for doing a great job moving my family to Calgary, our stuff arrived on time and without a scratch!!!
Hardeep Bhatti2022-11-02I was worried when they were running late but when I realized it was the busiest day of the month I felt much better when I saw how hard and fast they were working.
Leena B2022-11-01Very happy, will use this company again.
Taylor Lucas2022-10-31My sister convinced me to try HSS Movers and thank goodness I listened!! Thank you Richard, your movers were amazing!!
Eucal Dove2022-10-30Thank you for moving my business this weekend. Great Job, will definitely use you guys again!
Dinesh Mirpuri2022-10-27It was stress free thanks to Richard at HSS Movers when moving my mom into her Retirement Home last week.
Desraj Narine2022-10-27Their Prices were very reasonable and I was very impressed with Customer Service!!
Michael Stober2022-10-26Very professional. Overall a great experience.
Buy, Sell & Invest With Confidence!
We believe in transparency and honesty. We take the time to explain the mortgage process in detail, answer all your questions, and keep you informed throughout the entire process. We understand that purchasing a home is a significant investment, and we want you to feel confident and informed throughout the process.
Whether you are a first-time homebuyer, looking to upgrade or downsize, or need to refinance your current mortgage, we can help. Our team of mortgage specialists will work with you every step of the way, from pre-qualification to closing, to ensure that you have a smooth, informed and stress-free experience!
FAQ About Our Mortgage Services
What is mortgage refinancing, and when should I consider it?
Mortgage refinancing is the process of replacing your current mortgage with a new one. You can refinance to lower your interest rate, change the term of your loan, switch from an adjustable-rate mortgage to a fixed-rate mortgage, or tap into your home’s equity. Refinancing can be a smart financial move if you can lower your monthly payments, reduce your interest rate, or shorten the term of your loan. However, refinancing also comes with costs, such as closing fees, so it’s essential to calculate the breakeven point to determine whether refinancing is worth it. It’s also crucial to consider how long you plan to stay in your home and whether you can recoup the refinancing costs over that period. If you plan to move soon, refinancing may not make sense. A mortgage specialist can help you evaluate your options and determine whether refinancing is a good financial move for you.
What factors affect my mortgage interest rate?
Several factors affect your mortgage interest rate, including your credit score, debt-to-income ratio, and the loan-to-value ratio of your property. Lenders use your credit score to evaluate your creditworthiness and risk, so a higher score may result in a lower interest rate. Debt-to-income ratio is the percentage of your monthly income that goes towards debt payments, including your mortgage. A lower ratio indicates that you can manage your debt more effectively and may result in a lower interest rate. Finally, the loan-to-value ratio compares the value of your property to the amount you are borrowing. A lower ratio may result in a lower interest rate since there is less risk for the lender. Other factors that may affect your interest rate include the type of mortgage, the term of the loan, and current market conditions.
What types of mortgages do you offer?
We offer a wide range of mortgage options, including fixed-rate and adjustable-rate mortgages. Our experienced mortgage advisors can help you determine which mortgage option is best for your specific needs and financial situation.
How much can I afford to borrow for a mortgage?
The amount you can afford to borrow for a mortgage depends on a variety of factors, including your income, credit score, debt-to-income ratio, and the size of your down payment. Our mortgage advisors can help you determine how much you can afford to borrow and can provide guidance on selecting the right mortgage option for your specific financial situation.
What is the difference between pre-qualification and pre-approval for a mortgage?
Pre-qualification is an informal process where a lender evaluates your financial situation to give you an idea of the type of mortgage you may qualify for. The lender will take a look at your income, expenses, and credit score to determine your potential mortgage amount. Pre-qualification doesn’t require a credit check, and it’s not a guarantee that you will receive a mortgage. Pre-approval, on the other hand, is a formal process that involves a credit check and documentation review. Pre-approval provides a more accurate estimate of how much you can borrow, and it gives you an edge in a competitive housing market.