Your Trusted Mortgage Broker, Rui Alberto Maia
Simplify your process with a mortgage broker who puts your needs first.
Affiliated with the mortgage firm Orbis Mortgage Group and accredited by the Autorité des marchés financiers (AMF), I bring over 25 years of experience in financial services, with specialized expertise in mortgage financing and alternative mortgage solutions.
My commitment as a mortgage broker is to provide you with personalized service, built on integrity and a deep understanding of your needs. With access to my network of over 20 mortgage lenders and qualified professionals, I support you in securing the best rates and the most favorable terms for your mortgage.
Choosing my services as a mortgage broker means opting for a professional, personalized, and needs-focused approach. Here’s why my clients trust me:
Tailored Support
Every financial situation is unique, and I take the time to conduct a thorough analysis of your circumstances and goals. Whether you’re looking to buy your first home, refinance your mortgage, or explore alternative options, I provide tailored, clear, and easy-to-understand solutions.
Access to Better Options
Thanks to my network of over 20 lenders, including traditional banks and specialized institutions, I provide options you might not find on your own. This includes flexible solutions for alternative mortgage loans, ideal for self-employed individuals or those with a unique credit history.
Expert Negotiations
My experience in the field enables me to negotiate competitive interest rates and favorable terms with lenders. My role is to maximize your benefits while minimizing your costs, ensuring you get the best possible conditions for your mortgage loan.
Peace of Mind
Administrative procedures and negotiations with lenders can be complex and stressful. I take care of everything for you, keeping you informed every step of the way. This allows you to focus on your plans with complete peace of mind. Whether you’re looking to buy a home, refinance your loan, or renegotiate your home equity line of credit, I’m here to guide you through every stage. With my help, your real estate project becomes simple, clear, and achievable.
Mortgage Financing Options Offered
- Mortgage Prequalification or Preapproval: Determine your borrowing capacity for buying a home and gain a clearer understanding of your budget.
- Insured Mortgage Loan: Buying a home with a minimum down payment of 5%.
- Conventional Mortgage Loan: Ideal for borrowers with a down payment of 20% or more.
- Mortgage Renewal: Secure a competitive rate at the end of your mortgage term.
- Mortgage Refinancing: Lower your monthly payments with a better rate or consolidate your debts.
- Home Equity Line of Credit: Take advantage of a credit line secured by the equity in your property.
- Mortgage Loan for a Second Home or Vacation Property: Finance the purchase of your dream property.
- Mortgage Loan for Purchase with Renovations: Combine the purchase and renovation of a property into a single loan.
- Mortgage Loan with Non-Traditional Down Payment: Access homeownership without using a standard down payment.
- Home Equity Mortgage Loan: Gain increased access to the equity in your home.
- Mortgage Loan for Newcomers: Tailored solutions for recent immigrants to Canada.
- Mortgage Loan for Self-Employed: Flexible options for independent professionals.
- Mortgage Loan for Small Rental Properties (4 Units or Less): Finance the purchase of a rental property.
- Mortgage Loan for Rental Buildings: Ideal for financing a rental property.
- Financing for Semi-Commercial and Commercial Buildings: Finance the acquisition of these types of properties.
- CHIP Reverse Mortgage: Turn your home equity into cash to meet your retirement needs.
- Mortgage Loan for Debt Consolidation or Legal Mortgage: Combine your debts to simplify payments at a reduced rate.
- Mortgage Loan After Bankruptcy: Obtain financing even if you have filed for bankruptcy.
- Mortgage Loan for Consumer Proposal: Access tailored mortgage options.
- Mortgage Loan for Self-Employed (Bank Statements): Financing based on your bank statements.
- First-Position Private Lender Mortgage: Ideal for borrowers without income proof or with a low credit score.
- Second Rank Private Lender Mortgage: A flexible solution to complement first-position financing.
My Process: Simple and Transparent
My approach is based on simplicity, transparency, and efficiency, ensuring a pleasant and hassle-free experience. Here’s how I support you every step of the way:
Free Consultation
We start with a personalized consultation, where I take the time to understand your needs, goals, and financial situation. Whether you’re looking to secure a mortgage, refinance your current loan, or explore alternative solutions, this step allows me to fully understand your expectations and offer you the best options. The consultation is completely free and without obligation.
Research and Comparison
Once your needs are clearly defined, I put my expertise to work by comparing offers from my network of over 20 lenders, including banks, credit unions, and private lenders. My goal is to find you the best rates and the most advantageous terms, tailored to your unique situation. This way, you gain a clear understanding of the available solutions without having to undertake lengthy research yourself.
Comprehensive Support
From the initial application to the final approval, I support you every step of the way. I handle the administrative processes, lender negotiations, and every detail to ensure everything runs smoothly and stress-free for you. You can rest assured knowing a professional is managing your file with precision and care while keeping you informed throughout the process.
With this simple and transparent process, my goal is to provide you with a smooth and efficient experience, so you can focus on what truly matters: achieving your real estate projects with peace of mind.
Get the Financing That Fits Your Needs
With over 25 years of experience in mortgage financing, Rui Alberto Maia offers personalized service to secure the best rates and terms tailored to your needs.
Testimonials from My Clients
FAQ: Answers to Your Questions
Do you have questions about mortgage services? Here are clear and detailed answers to the most common questions from my clients.
Why Choose a Mortgage Broker Over a Bank?
A mortgage broker works for you, not for a financial institution. Unlike banks, which only offer their own products, a broker provides access to a wide network of lenders, including banks, credit unions, and private lenders. This impartiality allows them to find a solution tailored to your specific needs, often with more competitive rates. Additionally, a broker handles all administrative tasks and negotiations, saving you time and providing peace of mind.
What Is an Alternative Mortgage Loan?
An alternative mortgage loan is a flexible solution designed for those with specific needs or who do not meet traditional bank criteria.
This type of loan can be ideal for:
- Self-employed individuals whose income is not easily verifiable.
- Individuals with a low credit score or a complex financial history.
- Clients requiring a non-traditional down payment.
- Alternative lenders focus more on the value of the property and the overall potential of your file, rather than relying solely on standard criteria such as declared income.
When Should I Renew My Mortgage?
You can start exploring your mortgage renewal options up to six months before the end of your current term. Anticipating this process allows you to compare rates and terms offered by different lenders. Don’t limit yourself to the initial offer from your financial institution—a mortgage broker can help you negotiate better terms or find a more advantageous solution elsewhere. This could lower your monthly payments or provide terms that are better suited to your current situation.
Do You Have Any Other Questions?
If your question isn’t listed here, I’m available to answer it. Contact me for a free consultation and discover how I can support you with your mortgage project.
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