Rui Alberto Maia
Your Trusted Mortgage Broker
Mortgage Broker in Montreal with Over 25 Years of Experience
About Rui Alberto Maia:
Your Trusted Mortgage Broker
Mortgage Broker in Montreal with Over 25 Years of Experience
My name is Rui Alberto Maia, a mortgage broker affiliated with Orbis Mortgage Groupand accredited by the Autorité des marchés financiers (AMF), in Montreal, with over 25 years of experience in the mortgage financing sector. My role is to support you at every stage of your project, whether you are a first-time buyer looking to renew your mortgage renewing your mortgage or considering a mortgage refinancing.
My approach is based on listening, transparency, and solutions tailored to your unique needs. I am committed to offering you 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 many clients achieve their financial goals. I started as a financial advisor at a major banking institution, where I gained a solid understanding of loan products and client expectations. I then served as Sales Director, which allowed me to manage teams and handle 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 for purchasing a new property, refinancing an existing loan, or consolidating debts, I ensure that each solution is perfectly tailored to your needs.
My Services in Detail
Property Purchase: Mortgage Loan for First-Time Homebuyer
Buying a home is a major step. I assist you in obtaining a mortgage loan for first-time homebuyers, taking various factors into account:
- Prequalification: I help you obtain quick prequalification to determine your budget and better focus your property search.
- Comparison of loan options: I don’t just compare mortgage rates. I also examine 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, giving you the flexibility to adjust your mortgage as your needs evolve.
- Early closure penalties: I inform you of potential penalties if you decide to close your mortgage before its term. This helps you anticipate costs in case of resale, transfer, or future refinancing.
Real example: I recently helped a first-time homebuyer choose a loan with flexible prepayment options, allowing them to pay off part of their mortgage faster, without penalties.
Mortgage Renewal: Competitive Mortgage Rates
When your mortgage reaches its term, it’s the perfect time to compare mortgage renewal rates. Many homeowners accept their bank’s offer without exploring other options.
- Get a competitive rate: Rates fluctuate constantly, and a mortgage renewal can offer you significant savings.
- Lower monthly payments: By securing a lower rate, you can reduce your monthly payments or shorten the duration of your loan.
- Refinancing option: Mortgage renewal is also an opportunity to consider refinancing to access your home’s equity.
Real example: I helped a client with a $300,000 loan secure a rate 0.75% lower than the one offered by their bank, saving over $20,000.
Mortgage Refinancing and Home Equity
Mortgage refinancing allows you to leverage your home’s equity to fund projects, pay off debts, or invest.
- Refinancing to reduce debt: Convert high-interest debt into a lower-interest mortgage loan.
- Fund projects: Use your equity for renovations, education, or other projects.
- Invest in real estate: Equity can be used as leverage for real estate investments.
Real example: A couple refinanced their home to obtain $75,000 for energy-efficient renovations, while benefiting from a lower rate, which reduced their total financing cost.
Debt Consolidation and Restructuring
Debt consolidation is an effective solution to combine high-interest debts into a single, lower-interest mortgage loan.
- Single payment: Simplify your finances with one monthly payment.
- Lower interest rate: Mortgage rates are lower than credit card rates, reducing the total cost of your debts.
- Improve your credit: 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.
Multi-Unit & Commercial Real Estate Investment in Montreal and Quebec
As a mortgage broker in Montreal, I offer financing solutions for real estate investment.
- Loan for rental properties: I help investors obtain mortgage loans for income-generating properties.
- Cash flow analysis: I assist you in evaluating the profitability of projects.
- Optimizing returns: Structuring loans to maximize profits and minimize risks.
Real example: I assisted an investor in purchasing a 10-unit building by structuring a loan with a 30-year amortization and a competitive rate.
I am committed to actively supporting you through every step of the mortgage acquisition process Mortgage financing
My Mission
My mission is to provide you with an exceptional mortgage experience, offering personalized advice and financial solutions tailored to your unique needs. I am committed to acting with integrity, empathy, and professionalism at every step of the mortgage process, guiding you toward informed decisions that contribute to your long-term financial stability.
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, renewal, or refinancing.
- Support at every step: From prequalification to final funding, I guide you through each stage of the process, simplifying procedures 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 solid financial future.
By working with dedication and always putting your interests first, I strive to offer you a lasting relationship based on transparency, trust, and respect. Whether you are a first-time homebuyer, a homeowner looking to renew or refinance, or a real estate investor, I am here to guide you toward success
My Values: What Guides My Mortgage Approach
My commitment as a mortgage broker is built on fundamental values that guide me at every stage of our relationship. These values are at the heart of my mission and the way I work with my clients:
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 be sure that I will always advise you based on what is best for your situation.
Empathy
I understand that each client has unique needs and situations. I actively listen to your concerns and objectives to offer truly tailored solutions. Whether you are a first-time homebuyer, a homeowner looking for renewal or refinancing, or a real estate investor, I ensure that each solution aligns with your reality.
Professionalism
With over 25 years of experience in mortgage financing I am committed to providing high-quality service to every client I use my expertise and market knowledge to guide you proactively at every 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 essential to me and I want you to feel confident throughout the process
Innovation
I am constantly seeking improvements to simplify the mortgage process and make it more accessible I adopt new technologies and offer creative solutions to meet the changing needs of my clients Whether through the use of new digital tools or innovative financial strategies my goal is to make financing clearer and more efficient
Explore Your Mortgage Options
Ready to take the next step? Contact me for a personalized consultation today.
Speak to an expertYour success is my priority.
Frequently Asked Questions (FAQs)
Why choose a mortgage broker in Montreal?
A mortgage broker compares offers from various lenders to get you the best rate, while working for you, not 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 run.
What is the difference between a mortgage loan and refinancing?
A mortgage loan is a new loan to purchase a property, while mortgage refinancing involves replacing the existing mortgage to secure better terms or access equity.
I offer you my knowledge, skills, and network of professionals and lenders to help you achieve your goals.
I am committed to actively supporting you through every step of the mortgage acquisition process Mortgage financing
Explore Your Mortgage Options
Ready to take the next step? Contact me for a personalized consultation today.
Speak to an expertYour success is my priority.
Why Choose Me as Your Mortgage Broker?
- Experience: Over 25 years in the mortgage financing sector in Montreal.
- Wide range of lenders: Access to banks, credit unions, and private lenders.
- Personalized advice: Support at every step, from prequalification to loan signing.
During one consultation with me, you have will access to various services, lenders, and various options available to you!
Contact me today for a free consultation!
Client Testimonials
Rui Alberto Maia - Courtier Hypothécaire
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100% Recommended!!! Excellent service, Mr Maia can manage your mortgage process very professional. He has the knowledge to … More make every step simple, well documented and with several options to get the better rates with the financial institutions. Non stress and always have the answer and solutions. He was super helpful with our second mortgage process and will be our broker for the future. Would 💯% recommend to my friends!
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