{"id":3147,"date":"2019-05-15T11:15:29","date_gmt":"2019-05-15T19:15:29","guid":{"rendered":"https:\/\/justo.ca\/blog\/?p=3147"},"modified":"2019-09-11T02:32:38","modified_gmt":"2019-09-11T10:32:38","slug":"how-to-choose-the-right-mortgage-broker-in-toronto","status":"publish","type":"post","link":"https:\/\/blog.justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/","title":{"rendered":"How to choose the right mortgage broker in Toronto?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">As a home buyer, when you\u2019re searching for the best mortgage terms and rates, it\u2019s possible to contact each lender in your location for information on their specific terms and rates yourself; but this can also be extremely time-consuming. That\u2019s why many home buyers seeking mortgage generally choose to work with a mortgage broker. <\/span><\/p>\n<p>Related article:&nbsp;<a href=\"https:\/\/justo.ca\/blog\/how-to-choose-the-right-real-estate-agent-when-buying-a-home-in-toronto\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;How to choose the right real estate agent when buying a home in Toronto?&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:23295,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;9&quot;:0,&quot;10&quot;:2,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;17&quot;:1}\">How to choose the right real estate agent when buying a home in Toronto?<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>What Does a Mortgage Broker Do?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">A mortgage broker serves as the go-between in the mortgage market who contacts various lenders on the buyer&#8217;s behalf. In other words, they connect customers seeking a mortgage with potential lenders. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Though a mortgage broker does not originate loans, the broker will review your financial situation, such as your income and credit score, to determine which type of loans will work best. The broker will also use your financial situation to initiate the loan process for you. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Justo works with online Mortgage Brokerage <\/span><a href=\"https:\/\/thinkhomewise.com\/\"><span style=\"font-weight: 400;\">Homewise <\/span><\/a><span style=\"font-weight: 400;\">to help make the process as simple and seamless as possible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The mortgage broker\u2019s responsibilities also include: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Help prepare the buyer&#8217;s application for the lenders<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Deal and negotiate with various lenders on your behalf<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Work with your realtor or real estate closing lawyer<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">And more<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The broker will typically receive their compensation from the chosen lender. In some circumstances, you will be required to pay the broker fees; however, the broker does not work for the lender. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The fees a broker charges depend on various factors, including the location of your home, fluctuations in the housing market may also affect the rate and various other factors. <\/span><\/p>\n<p>Related article:&nbsp;<a href=\"https:\/\/justo.ca\/blog\/the-ultimate-buyers-guide-for-buying-a-house-in-toronto\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;The Ultimate Buyer\u2019s Guide for Buying a House in Toronto&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:23295,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;9&quot;:0,&quot;10&quot;:2,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;17&quot;:1}\">The Ultimate Buyer\u2019s Guide for Buying a House in Toronto<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>What is the Application Process?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">First, the mortgage broker will collect all required documentation needed to complete the loan application from the applicant. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">They will then provide the lender with the application, and the lender will begin an assessment of the applicant&#8217;s creditworthiness. At this point, if further documentation is needed by the lender from the applicant, the mortgage broker will help make the process of submitting the documentation easier for the applicant. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Otherwise, if your application is approved, you will attend the loan closing, and the loan process is complete. <\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Do I Have to Use a Mortgage Broker?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">As a buyer, you don&#8217;t have to use a mortgage broker to find a lender or to secure a loan. In fact, choosing a lender on your own can be just as effective, and it will also help save on mortgage broker costs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Going at it on your own also enables you to review each certified lender in your area, which provides you with more loan options, as opposed to just limiting you to the list of lenders that the mortgage broker works with. Many lenders also offer rate and pre-qualification quotes that you can use to pre-qualify yourself, similar to a mortgage broker. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Searching for lenders online also helps make it easier to browse various home loan providers, and you will also find that some lenders have less strict approval requirements, as well as lower costs, than many other loan sources, which also makes searching for a lender on your own an attractive choice. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if your priority is to find the best rate on your mortgage, or you simply do not want to do the additional work of finding a lender yourself, then enlisting the aid of a mortgage broker can be beneficial.<\/span><\/p>\n<p>Related article:&nbsp;<a href=\"https:\/\/justo.ca\/blog\/gta-home-buyers-and-sellers-are-overpaying-by-thousands\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;GTA home buyers and sellers are overpaying by thousands&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:23295,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;9&quot;:0,&quot;10&quot;:2,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;17&quot;:1}\">GTA home buyers and sellers are overpaying by thousands<\/span><\/a><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-3379 size-large\" src=\"https:\/\/justo.ca\/blog\/wp-content\/uploads\/2019\/05\/AdobeStock_267247913-1024x683.jpeg\" alt=\"\" width=\"1024\" height=\"683\"><\/p>\n<h2><strong>Some Questions to Ask When Selecting a Mortgage Broker<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Should you choose to reap the benefits of having a mortgage broker do much of the work for you, you should know that not all brokers are created equal. When selecting a broker, there are certain questions you can ask to be sure it is the right broker for you, including: <\/span><\/p>\n<h3><strong>Why is working with you more beneficial than working directly with a lender?<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">When screening a possible mortgage broker, it should be pretty evident why you want to work with them. There should be no question as to why you should choose them over directly working with a lender without even having to pose the question to them. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, if you are feeling questionable about the broker, simply ask him or her why you should work with them as opposed to working directly with a lender. If the broker doesn&#8217;t give you a definite sense of the benefits he or she provides, or the broker&#8217;s answer fails to make you feel confident in them, then it&#8217;s safe to say you should go with a different broker. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the end, you want to make sure the money and time associated with working with a broker justify the investment. So, choose wisely. <\/span><\/p>\n<h3><strong>What is the likelihood I\u2019ll be able to secure a mortgage?<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">The first step to securing a home loan is to have your finances in order. If you have income or employment issues, have declared bankruptcy, been in foreclosure, or your credit is low, etc., you should try to get it straightened out before applying for a mortgage; otherwise, <\/span><a href=\"https:\/\/www.ratehub.ca\/credit-score\"><span style=\"font-weight: 400;\">it can affect your ability to get approved for a mortgage, as well as the rate you receive<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let your broker know If any of these issues apply. If the broker attempts to convince you that these factors will not affect the terms of your home loan, then you should be leery. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ultimately, you want to work with a broker you can trust, which means if your creditworthiness is questionable, he or she should be willing to explain how this will impact your loan qualification as well as the loan rate. By doing so, it will help you and your broker set sensible expectations. <\/span><\/p>\n<h3><strong>How many lenders do you work with?<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">While some brokers only work with a select group of lenders, there are others who work with a broad range of lenders. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Since one of the main reasons for working with a broker is to find the best rate among a wide range of lenders, it makes sense to work with a broker that has a large pool of lenders to choose from. Be sure to ask your broker how many lenders he or she works with to give you a general idea of the span of loan options you have available, which will give you a better chance to receive the lowest rate. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, though many mortgage brokers have access to the same lenders, each lender still offers their own mortgage products. You also need to be sure the broker has substantial knowledge of the various products that each lender offers in order to provide you with the best option for you. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The mortgage broker should be able to clearly explain the ins and outs of each product so that you can plainly understand their decision-making process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding the motive behind the mortgage broker&#8217;s decision making is also important because brokers are offered different compensation costs by different lenders, which are solely dependent on which product they choose. This will ensure the broker&#8217;s decision isn&#8217;t swayed by the lender&#8217;s compensation fee. <\/span><\/p>\n<h3><strong>Do you have any references?<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Whether you plan to actually use the broker&#8217;s references or not, it still makes sense&nbsp;<\/span><span style=\"font-weight: 400;\">to ask for them, simply to see how he or she reacts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the broker readily and proudly supplies a list of references and their contact information, you\u2019ll know they have a good track record with their clients. Otherwise, if you sense that the broker seems uncomfortable with providing references, or the broker stalls to answer the question, then you should consider doing business with a different broker.<br \/>\n<\/span><\/p>\n<p>Related article:&nbsp;<a href=\"https:\/\/justo.ca\/blog\/toronto-online-platform-touts-its-buyer-seller-experience\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Toronto online platform touts its buyer\/seller experience&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:23295,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;9&quot;:0,&quot;10&quot;:2,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;17&quot;:1}\">Toronto online platform touts its buyer\/seller experience<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>More Tips for Finding\/Working With a Mortgage Broker<\/strong><\/h2>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">If possible, when assessing potential brokers, try to meet with them face-to-face, which will enable you to pick up on various subtle details, such as is if their workplace is professional and organized and how attentive they are to you, etc. Doing so will help provide you with a more realistic idea of what working with the broker will be like, which can help you make your choice with confidence. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Interview at least three brokers to gain a general idea of various brokers and what they have to offer. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Avoid entering into a financial situation without doing your homework first. Conduct your own research to learn what kind of rates are available to you, using a rate comparison site. This will help you determine if the rate the mortgage broker is giving you is actually a good one. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">If you are a first time home buyer, be sure to ask your broker how much you\u2019ll need for a downpayment in order to still get a good rate. It is a common misconception that first time home buyers must put down a sizable amount to get a good rate. In fact, it\u2019s possible to put down as little as five percent and still get comparable rates to someone who put down 20 percent or more. Even though this is your first home, your mortgage broker can still work to determine how much of a down payment you\u2019ll need. <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Overall, obtaining a good rate on your mortgage can help you feel savvy and good about your investment. Remember, you have two options for locating lenders with the best home loan rates, including finding one yourself, or enlisting the aid of an experienced mortgage broker to find one for you. Whichever you choose, it simply boils down to personal preference.<\/span><\/p>\n<p>Related article:&nbsp;<a href=\"https:\/\/justo.ca\/blog\/how-to-invest-wisely-in-torontos-real-estate\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;How to invest wisely in Toronto\u2019s real estate?&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:23295,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;9&quot;:0,&quot;10&quot;:2,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;17&quot;:1}\">How to invest wisely in Toronto\u2019s real estate?<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a home buyer, when you\u2019re searching for the best mortgage terms and rates, it\u2019s possible to contact each lender in your location for information on their specific terms and rates yourself; but this can also be extremely time-consuming. That\u2019s why many home buyers seeking mortgage generally choose to work with a mortgage broker. Related [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":3148,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[15],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to choose the right mortgage broker in Toronto? - Justo Real Estate Brokerage<\/title>\n<meta name=\"description\" content=\"Are you thinking of purchasing a home in Toronto but can\u2019t decide on the right mortgage broker? Justo Real Estate Brokerage has the answers you need.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to choose the right mortgage broker in Toronto? - Justo Real Estate Brokerage\" \/>\n<meta property=\"og:description\" content=\"Are you thinking of purchasing a home in Toronto but can\u2019t decide on the right mortgage broker? Justo Real Estate Brokerage has the answers you need.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/\" \/>\n<meta property=\"og:site_name\" content=\"Justo Real Estate Brokerage\" \/>\n<meta property=\"article:published_time\" content=\"2019-05-15T19:15:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-09-11T10:32:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.justo.ca\/blog-admin\/wp-content\/uploads\/2019\/05\/AdobeStock_241752991-e1565722685257.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1528\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Justo Team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Justo Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/blog.justo.ca\/blog-admin\/how-to-choose-the-right-mortgage-broker-in-toronto\/\"},\"author\":{\"name\":\"Justo Team\",\"@id\":\"https:\/\/blog.justo.ca\/blog\/#\/schema\/person\/83aa25fc0aabbb21ba75511552b8e9d8\"},\"headline\":\"How to choose the right mortgage broker in Toronto?\",\"datePublished\":\"2019-05-15T19:15:29+00:00\",\"dateModified\":\"2019-09-11T10:32:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/blog.justo.ca\/blog-admin\/how-to-choose-the-right-mortgage-broker-in-toronto\/\"},\"wordCount\":1631,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/blog.justo.ca\/blog\/#organization\"},\"articleSection\":[\"How To's\"],\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/blog.justo.ca\/blog-admin\/how-to-choose-the-right-mortgage-broker-in-toronto\/\",\"url\":\"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/\",\"name\":\"How to choose the right mortgage broker in Toronto? - Justo Real Estate Brokerage\",\"isPartOf\":{\"@id\":\"https:\/\/blog.justo.ca\/blog\/#website\"},\"datePublished\":\"2019-05-15T19:15:29+00:00\",\"dateModified\":\"2019-09-11T10:32:38+00:00\",\"description\":\"Are you thinking of purchasing a home in Toronto but can\u2019t decide on the right mortgage broker? Justo Real Estate Brokerage has the answers you need.\",\"breadcrumb\":{\"@id\":\"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/#breadcrumb\"},\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/blog.justo.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to choose the right mortgage broker in Toronto?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/blog.justo.ca\/blog\/#website\",\"url\":\"https:\/\/blog.justo.ca\/blog\/\",\"name\":\"Justo Real Estate Brokerage\",\"description\":\"Toronto mls listings &amp; real estate\",\"publisher\":{\"@id\":\"https:\/\/blog.justo.ca\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/blog.justo.ca\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/blog.justo.ca\/blog\/#organization\",\"name\":\"Justo\",\"url\":\"https:\/\/blog.justo.ca\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\/\/blog.justo.ca\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/blog.justo.ca\/blog\/wp-content\/uploads\/2019\/10\/logo-justo.png\",\"contentUrl\":\"https:\/\/blog.justo.ca\/blog\/wp-content\/uploads\/2019\/10\/logo-justo.png\",\"width\":148,\"height\":74,\"caption\":\"Justo\"},\"image\":{\"@id\":\"https:\/\/blog.justo.ca\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/blog.justo.ca\/blog\/#\/schema\/person\/83aa25fc0aabbb21ba75511552b8e9d8\",\"name\":\"Justo Team\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\/\/blog.justo.ca\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/fee9f0fb8be8ad2eece5ca8113662ba9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/fee9f0fb8be8ad2eece5ca8113662ba9?s=96&d=mm&r=g\",\"caption\":\"Justo Team\"},\"url\":\"https:\/\/blog.justo.ca\/blog\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to choose the right mortgage broker in Toronto? - Justo Real Estate Brokerage","description":"Are you thinking of purchasing a home in Toronto but can\u2019t decide on the right mortgage broker? Justo Real Estate Brokerage has the answers you need.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"How to choose the right mortgage broker in Toronto? - Justo Real Estate Brokerage","og_description":"Are you thinking of purchasing a home in Toronto but can\u2019t decide on the right mortgage broker? Justo Real Estate Brokerage has the answers you need.","og_url":"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/","og_site_name":"Justo Real Estate Brokerage","article_published_time":"2019-05-15T19:15:29+00:00","article_modified_time":"2019-09-11T10:32:38+00:00","og_image":[{"width":1528,"height":1012,"url":"https:\/\/blog.justo.ca\/blog-admin\/wp-content\/uploads\/2019\/05\/AdobeStock_241752991-e1565722685257.jpeg","type":"image\/jpeg"}],"author":"Justo Team","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Justo Team","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/#article","isPartOf":{"@id":"https:\/\/blog.justo.ca\/blog-admin\/how-to-choose-the-right-mortgage-broker-in-toronto\/"},"author":{"name":"Justo Team","@id":"https:\/\/blog.justo.ca\/blog\/#\/schema\/person\/83aa25fc0aabbb21ba75511552b8e9d8"},"headline":"How to choose the right mortgage broker in Toronto?","datePublished":"2019-05-15T19:15:29+00:00","dateModified":"2019-09-11T10:32:38+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.justo.ca\/blog-admin\/how-to-choose-the-right-mortgage-broker-in-toronto\/"},"wordCount":1631,"commentCount":0,"publisher":{"@id":"https:\/\/blog.justo.ca\/blog\/#organization"},"articleSection":["How To's"],"inLanguage":"en-CA","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/blog.justo.ca\/blog-admin\/how-to-choose-the-right-mortgage-broker-in-toronto\/","url":"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/","name":"How to choose the right mortgage broker in Toronto? - Justo Real Estate Brokerage","isPartOf":{"@id":"https:\/\/blog.justo.ca\/blog\/#website"},"datePublished":"2019-05-15T19:15:29+00:00","dateModified":"2019-09-11T10:32:38+00:00","description":"Are you thinking of purchasing a home in Toronto but can\u2019t decide on the right mortgage broker? Justo Real Estate Brokerage has the answers you need.","breadcrumb":{"@id":"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/#breadcrumb"},"inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/justo.ca\/blog\/how-to-choose-the-right-mortgage-broker-in-toronto\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blog.justo.ca\/blog\/"},{"@type":"ListItem","position":2,"name":"How to choose the right mortgage broker in Toronto?"}]},{"@type":"WebSite","@id":"https:\/\/blog.justo.ca\/blog\/#website","url":"https:\/\/blog.justo.ca\/blog\/","name":"Justo Real Estate Brokerage","description":"Toronto mls listings &amp; real estate","publisher":{"@id":"https:\/\/blog.justo.ca\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.justo.ca\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-CA"},{"@type":"Organization","@id":"https:\/\/blog.justo.ca\/blog\/#organization","name":"Justo","url":"https:\/\/blog.justo.ca\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/blog.justo.ca\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/blog.justo.ca\/blog\/wp-content\/uploads\/2019\/10\/logo-justo.png","contentUrl":"https:\/\/blog.justo.ca\/blog\/wp-content\/uploads\/2019\/10\/logo-justo.png","width":148,"height":74,"caption":"Justo"},"image":{"@id":"https:\/\/blog.justo.ca\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/blog.justo.ca\/blog\/#\/schema\/person\/83aa25fc0aabbb21ba75511552b8e9d8","name":"Justo Team","image":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/blog.justo.ca\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/fee9f0fb8be8ad2eece5ca8113662ba9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/fee9f0fb8be8ad2eece5ca8113662ba9?s=96&d=mm&r=g","caption":"Justo Team"},"url":"https:\/\/blog.justo.ca\/blog\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/blog.justo.ca\/blog\/wp-json\/wp\/v2\/posts\/3147"}],"collection":[{"href":"https:\/\/blog.justo.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.justo.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.justo.ca\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.justo.ca\/blog\/wp-json\/wp\/v2\/comments?post=3147"}],"version-history":[{"count":8,"href":"https:\/\/blog.justo.ca\/blog\/wp-json\/wp\/v2\/posts\/3147\/revisions"}],"predecessor-version":[{"id":4592,"href":"https:\/\/blog.justo.ca\/blog\/wp-json\/wp\/v2\/posts\/3147\/revisions\/4592"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.justo.ca\/blog\/wp-json\/wp\/v2\/media\/3148"}],"wp:attachment":[{"href":"https:\/\/blog.justo.ca\/blog\/wp-json\/wp\/v2\/media?parent=3147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.justo.ca\/blog\/wp-json\/wp\/v2\/categories?post=3147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.justo.ca\/blog\/wp-json\/wp\/v2\/tags?post=3147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}