Neighbourhood Dominion Lending Centre

At Josh Wendeler Mortgage Broker, we believe that every individual's situation is unique, and it's essential to take the time to understand your goals, needs, and circumstances to find the right mortgage solution for you. As a mortgage broker, I, Josh Wendeler, am committed to providing personalized service, expert knowledge, and unbiased advice to help you achieve your homeownership dreams.

Our Philosophy

I believe that finding the right mortgage for you is not just about luring you in with low rates, but about taking the time to understand your situation, explaining how your mortgage works, and being upfront with you at all times. I want to build a relationship with you, not just sell you a mortgage. I understand that buying a home can be a daunting experience, especially for first-time homebuyers, and that's why I'm dedicated to providing you with the guidance, support, and information you need to make informed decisions.

Our Services

As a mortgage broker, I offer a wide range of services designed to help you navigate the mortgage process with ease. Whether you're a first-time homebuyer, self-employed, or looking to refinance your existing mortgage, I can help you:

• Get pre-approved for a mortgage
• Explore different mortgage options and rates
• Understand the new mortgage rules and how they affect you
• Calculate your mortgage payments and affordability
• Determine the best mortgage term and rate for your situation
• Negotiate with lenders on your behalf
• Handle all the paperwork and documentation for you

Mortgage FAQs

As a mortgage broker, I've come across many common questions that first-time homebuyers and existing homeowners ask. Here are some of the most frequently asked questions:

• How much do I need to buy a house? The minimum down-payment on any purchase is 5%, and you'll also need to show that you have enough for closing costs, which is usually 1.5% of the purchase price.
• I'm self-employed, what are my options for getting a mortgage? As a self-employed individual, you have options available under the "stated income" banner, and I can help you explore these options.
• What do the new mortgage rules change? Am I still qualified? The new mortgage rules affect buyers with less than a 20% down-payment, requiring them to qualify at a rate of 4.54%, regardless of the actual interest rate on the contract.
• Why shouldn't I just go with the lowest quote? Be wary of "bait and switch" scenarios, and consider the penalties attached to an early payout, as they can be as high as $6,000 on a $200,000 mortgage.

About Josh Wendeler

As a licensed mortgage broker, I've been helping individuals and families achieve their homeownership goals for years. I'm committed to providing exceptional service, expert knowledge, and unbiased advice to ensure that you get the right mortgage for your unique situation. I'm passionate about building relationships, not just selling mortgages, and I'm dedicated to helping you achieve your dreams.