Your bank can only offer their own products. I shop dozens of lenders at once to find you a better rate and terms. Chances are, I work with your current bank as well and can negotiate your renewal on your behalf.

Only in a small percentage of cases (highly complex files, private mortgages, etc.) I will charge a fee. Over 90% of the files I handle, I receive commission from the lender, so my service is free to you.

A soft credit check (which doesn't affect your score) is done first. A hard check only happens when you're ready to formally apply.

I have access to 30+ lenders including major banks, credit unions, and private lenders.

Yes, I work with multiple lenders who understand non-traditional income and will consider the full picture.