Your personality or character does not appear on your credit report or get factored into your debt ratio, but you can be assured that the loan officer at your bank can sway the decision to decline your application if they just don't like you. Maybe it's a personality conflict, the way you dress, the way you speak, or whatever. We've helped clients that have been discriminated against based on their age, even though that is illegal.
The loan officer is the bank's first line of defence and if they don't like you, you're in trouble. The loan officer is going to get paid their regular salary, whether they help you or they don't. Therefore, they are not really motivated to help you.
Independent mortgage brokers only get paid when your mortgage closes. So, guess who's side they are on? Yours! Mortgage brokers work on your behalf to position your application in the best possible light and send it to the most appropriate lender(s)to increase the likelihood you get approved.
If you're not getting the answers you need at your bank, please give us a call at 902-820-3303 or 1-877-996-6677.
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