Rui Alberto Maia
Your Trusted Mortgage Broker
With over 25 years of experience, Rui Alberto Maia, a mortgage broker in Montreal, guides you through your real estate projects: purchase, renewal, or refinancing.
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About Rui Alberto Maia:
Your Trusted Mortgage Broker
My name is Rui Alberto Maia, a mortgage broker affiliated with Orbis Mortgage Group and accredited by the Autorité des marchés financiers (AMF), with over 25 years of experience in the real estate financing sector.
My role is to guide you through every step of your project, whether you are a first-time buyer, looking to renew your mortgage, or considering refinancing. My approach is based on listening, transparency, and solutions tailored to your unique needs. I am committed to providing you with competitive rates and clear advice, taking into account your financial situation and long-term goals.
My Experience
Since the beginning of my career in 1996, I have helped numerous clients achieve their financial goals. I started as a financial advisor at a major banking institution, where I gained solid knowledge of loan products and client expectations. I then served as a Sales Director, which allowed me to manage teams and oversee more complex financing projects.
Today, as an independent broker, I have the freedom to work with various lenders to offer you the best financing options available on the market. Whether it’s purchasing a property, refinancing an existing mortgage, or consolidating debts, I ensure that each solution is perfectly tailored to your needs.
Explore Your Mortgage Options
Ready to Take the Next Step? Contact me for a personalized consultation now.
My Services in Detail
Buying a Home: Mortgage Loan for Home Purchase
- Pre-qualification: I assist you in obtaining a quick pre-qualification to determine your budget and better focus your property search.
- Loan option comparison: I don’t just compare mortgage rates. I also review loan terms, such as refinancing conditions, prepayment options, and early closure penalties, to provide you with a comprehensive overview.
- Refinancing options: I identify loans that allow for easy refinancing, providing you with the flexibility to adapt your mortgage as your needs change.
- Early closure penalties: I inform you about potential penalties if you decide to close your mortgage before its term. This helps you anticipate costs in case of a resale, transfer, or future refinancing.
Mortgage Renewal:
Competitive Mortgage Rates
- Get a Competitive Rate: Rates are constantly changing, and a mortgage renewal can provide you with significant savings.
- Reduction of monthly payments: By obtaining a lower rate, you can reduce your monthly payments or shorten the term of your loan.
- Refinancing option: Mortgage renewal is also an opportunity to consider refinancing to access the equity in your home.
Mortgage Refinancing and Home Equity
- Refinancing to reduce debt: Turn high-interest debts into a low-rate mortgage loan.
- Finance projects: Use your equity for renovations, education, or other projects.
- Invest in real estate: Equity can be used as leverage for real estate investments.
Debt Consolidation and Restructuring
Debt consolidation is an effective solution to combine high-interest debts into a single low-rate mortgage loan.
- A single payment: Simplify your finances with one monthly payment.
- Interest rate reduction: Mortgage rates are lower than credit card rates, reducing the total cost of your debts.
- Credit improvement: Better debt management can enhance your credit score.
Real example: A client with $40,000 in high-interest debt consolidated it into a 4% mortgage, reducing their monthly payments by $600 and improving their financial stability.
Reverse Mortgage: A Flexible Solution for Retirees
- Access to capital without selling your property: You receive funds to finance your projects or cover expenses without having to sell your home.
- No monthly payments required: You are not required to make any payments as long as you live in the property.
- Financial flexibility in retirement: Ideal for supplementing your income or accomplishing significant projects, such as traveling or supporting your loved ones
Alternative Mortgage Loan: A Flexible Solution for Your Specific Needs
- Adapted to specific situations: Ideal for self-employed individuals, people with low credit scores, or undeclared income.
- Flexible terms: Various options for down payments, interest rates, and amortization periods.
- Access to specialized lenders: I work with institutions that assess your overall potential rather than relying solely on traditional banking standards.
My Mission: Your Trusted Partner for an Exceptional Mortgage Experience
What This Means for You
- Personalized advice: I take the time to understand your situation, goals, and concerns to offer tailored solutions, whether it’s for a mortgage loan, a mortgage renewal, or refinancing.
- Support every step of the way: From pre-qualification to final financing, I guide you through each stage of the process, simplifying the steps and making financing more accessible.
- A long-term commitment: My goal is to become your trusted partner for all your mortgage needs, helping you not only achieve your homeownership dreams but also build a strong financial future.
My Values: What Guides My Mortgage Approach
Integrity
I am committed to acting ethically and transparently in all our interactions. My goal is to provide you with clear and honest information so that you fully understand the terms and implications of your financial decisions. You can trust that I will always advise you based on what is best for your situation.
Empathy
I understand that every client has unique needs and situations. I actively listen to your concerns and goals to offer truly tailored solutions. Whether you want to buy a home, are a homeowner seeking a mortgage renewal or refinancing, or a real estate investor, I ensure that every solution aligns with your reality.
Professionalism
With over 25 years of experience in real estate financing, I am committed to providing high-quality service to every client. I use my expertise and market knowledge to proactively guide you through each step of the mortgage process. My goal is to make your experience as smooth and efficient as possible.
Responsibility
I take responsibility for my actions and their consequences. I ensure that the recommendations I make are always in your best interest, even if it sometimes means advising you to delay or reconsider a mortgage decision. Transparency is paramount to me, and I want you to feel confident throughout the entire process.
Innovation
I am constantly seeking improvements to simplify the mortgage process and make it more accessible. I embrace new technologies and offer creative solutions to meet the changing needs of my clients. Whether through the use of innovative digital tools or cutting-edge financial strategies, my goal is to make financing clearer and more efficient.
Frequently Asked Questions (FAQs)
Why choose a mortgage broker?
A mortgage broker compares offers from various lenders to secure the best rate for you, while working on your behalf and not for the bank.
Does mortgage refinancing affect my credit?
Mortgage refinancing can temporarily affect your credit due to the credit check, but it can improve your score in the long term.
What is the difference between a mortgage and refinancing?
A mortgage is a sum of money borrowed, repaid in regular installments, and secured by the home itself. Mortgage refinancing involves replacing your current loan with a new one, a home equity line of credit, or both, to take advantage of better terms or access the equity built up in your home.
Why Choose Me as Your Mortgage Broker?
- Experience: Over 25 years in the real estate financing sector in Montreal.
- Wide range of lenders: Access to banks, credit unions, and private lenders.
- Personalized advice: Support at every step, from pre-qualification to loan signing.
Client Testimonials
Personalized financial advice
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