Welcome to Sang Pham Group
Why choose a broker? It's straightforward - we handle the tedious tasks for you. You enjoy expert consultation and direction in securing a hassle-free, competitive mortgage deal, all at no cost to you!
Sang Pham Group operates on a fee-free basis. We receive a commission from the lender you select, which we transparently disclose to you. (Please note that lender and government fees may still apply.) Our mission is to save our clients money by dedicating time to individually negotiate the most favorable rate possible, going beyond the standard rates offered. Explore Further.
Enjoy Competitive Interest Rates.
Receive Expert Counsel and Direction.
Experience a Seamless and Stress-Free Process.
Eliminating Loyalty Penalties: While securing the best initial deal for a home loan is crucial, lenders often prioritize new customers over existing ones, offering them even more attractive terms. We constantly monitor this to ensure our clients don't miss out!
Yearly Loan Review: We proactively engage with lenders to enhance the offers for our clients at least annually, and more frequently in certain cases. A reliable broker secures a great deal for their client and continuously works to maintain its competitiveness.
Maximizing Future Deals: Should lenders decline to adjust their offers, we leverage advanced software and extensive knowledge to analyze a wide range of alternatives and regularly refinance our clients to the most favorable deals available.
A Broker serves as a bridge between the borrower and the lender, leveraging their expertise and technology to secure competitive interest rates and streamline the entire mortgage process up to settlement. They consistently prioritize the borrower's best interests, functioning as a dedicated mortgage project manager, overseeing every stage of the process and keeping the borrower informed at every milestone.
The myriad of mortgage products available can be overwhelming and comparing them can be daunting. A Broker simplifies this process by elucidating the distinctions between various products and assisting the borrower in selecting a loan tailored to their unique requirements. Post-selection, the Broker ensures timely progression and maintains complete transparency, keeping the borrower well-informed throughout the entire journey.
Over the span of numerous years, we have been diligently refining our system, ensuring that our clients receive the utmost outcome and service throughout their journey with us. This meticulous development has been geared towards optimizing their experience and achieving the best possible results.
We offer our services without any upfront fee. Instead, we receive a commission from the lender you select, which is transparently disclosed to you from the outset. Additionally, government and lender-specific fees and charges may apply. To initiate our engagement, we provide you with our Credit Guide, outlining our general compensation structure. Once you entrust us with arranging your financing, we furnish you with a Credit Proposal Disclosure document, specifying the exact amount the lender will remunerate us upon loan settlement. Rest assured, our advice is solely driven by your best interests, uninfluenced by our compensation. We prioritize your satisfaction above all else, as our business relies solely on your positive reviews and referrals for continuity and future success. This commitment to excellence is why we have persevered for many years and will continue to thrive in the years to come.
Sang Pham Group Broker remains committed to you post-settlement. We earn an ongoing trailing commission from your chosen lender, enabling us to continually support you with answers, loan modifications, and product adjustments.
Annually, we review your loan to ensure it aligns with your evolving needs and compare it to market offerings, negotiating with your lender for potential rate improvements.
Our process begins by inviting you to dedicate 10 to 15 minutes to complete our responsible lending questionnaire. This questionnaire equips your broker with vital information to craft a personalized plan tailored to your specific needs and goals.
Subsequently, your broker will arrange a meeting to cover the fundamentals and present you with reports detailing the interest rates and monthly repayment estimates for your potential mortgage.
During this meeting, your broker will elucidate the distinctions between various home loan options, including fixed vs. variable rates and basic loans versus comprehensive package deals. They will also delve into the advantages and disadvantages of smaller lenders compared to larger banks.
Moreover, your broker will discuss lender guidelines pertinent to diverse property types, such as compact urban apartments, converted warehouses, or expansive acreages. To empower your decision-making, they offer complimentary RP Data property reports on any property under consideration, providing valuable insights including recent comparable sales and a current value estimate.
Furthermore, they will comprehensively explain the entire process, from applying for a mortgage to each milestone along your journey. This includes guidance on crafting offers, incorporating conditions into contracts, setting appropriate finance clauses, and determining settlement dates.
As an additional resource, your broker will present you with our Sang Pham Group Handbook, a comprehensive guide outlining every step of the process in detail. This insightful booklet covers various loan products, strategies for saving interest, lenders' mortgage insurance, auction tips, and the intricacies of buying and selling properties. While this handbook is informative, your broker remains at your disposal to manage all these processes for you.
Following your initial appointment with Broker, you'll be delighted with your decision to engage a mortgage broker. We eagerly anticipate assisting you in your property acquisition or securing a more favorable interest rate!
