Welcome, I am glad you are here Hello, I am Danny Kellman, I am a Financial Services Advisor and I speak French, Spanish, and English.
After earning an MBA, I continued in the financial industry working at several financial institutions as a business consultant, advisor, mortgage underwriter, manager, and director. During that time, I trained as a financial planner gaining multiple financial designations.
In my business the fine-prints are THE MOST IMPORTANT DOCUMENTS. For example, when it comes to MORTGAGES: Do you know the difference between a collateral-charge mortgages vs traditional mortgages, do you know which mortgage your bank has registered under your roof? Because you may be in for an unpleasant surprise when refinancing for any reasons (home renovation, etc) or when you sell your house even though you had a LOW RATE? And what else is hiding under your mortgage fine prints? Do you have time to go through your impressive in size mortgage documents? Do you understand all the financial jargon used? Or do you wait until seeing your lawyer to explain them to you? Sorry, but when you are IN FRONT OF YOUR LAWYER, IT IS GAME OVER, THEY WILL NO LONGER BE ANY NEGOTIATIONS, it is signing time! Therefore, YOU HAVE TO DO the NEGOTIATION BEFORE with a licensed and qualified mortgage advisor to obtain the best rate for your situation and terms for your particular situation.You need to ask yourself this simple question... "What is important to me? A low rate or saving money in interest?"
Imagine the convenience of hiring a mortgage broker to do all the leg work and the negotiation accessing over 30 different Canadian mortgage lenders with only one credit bureau hit and wait for it... FOR FREE (O.A.C)? You see, it is complimentary, I DON'T CHARGE YOU, THE CHOSEN LENDER PAYS MY FEE which means that you have nothing to lose. A win-win-win solutions for all of us. How does that sound?
As my client, I promise to stay personally involved with you and your financial goals as long as you are truthful to me and to yourself. I believe that understanding them will help customize mortgage solutions that fit into your overall life plan. After all, I believe that the best mortgage is no mortgage at all!
I offer a one-stop shop experience:
* Mortgage Loans for Residential & Investment Properties;
* ProtectionMoney-Back Mortgage Life & Disability Insurance;
* Home Insurance.
Let's chat! We will have a conversation! Coffee?
You can reach me directly on my smartphone at 647-929-5346 or by email at danny.kellman@verico.ca
Thank you!
Danny Kellman
Mortgage Broker
Verico The Mortgage Leaders Inc (FSCO#10236)
Serving Durham & The Greater Toronto Area
