Thursday, April 18, 2013

Here are some reasons you may want to consider using the professionals I refer you too rather then gamble on finding your own.


The following testimonials were written by real clients for the purpose of showing how using Mortgage Brokers/Bankers/Inspectors/Lawyers unknown to us can be detrimental to your purchase. We have forged very good relationships with some very skilled real estate service providers over our 15+ years in the industry. We have seen our contacts pull deals together where others could not. This is due to not only to the skills these people have honed over their careers but also the relationship we have forged with them. They always give our clients preferential treatment. This often comes in the form of price breaks but more importantly they simply work harder for our clients then people we do not know. We have their cell and home numbers and we can contact them late at night and on weekends etc. if need be. We always hope that deals simply go smoothly of course...however even the simplest deals can have unforeseen snags which come up. Simply put your ‘friend’ the mortgage broker or inspector is rarely the right person for the job when it comes to your deal. All we can say is trust us on this...we have seen how ‘friends’  or out of town brokers treat these matters...and the outcome can be disastrous for your are some examples.


We came to kelowna from out of province. We had a good working relationship with our mortgage broker from back home and he assured us that he could get our Kelowna deal together. Trever advised against an out of town broker right away...but we did not listen. Our broker said that everything was under control. Trever offered to contact the broker to confirm but we did not see the need since it sounded like a ‘slam dunk.’

Well it turned out to be anything but. We found out on the very last day of subject removal that the deal would not work. Things went from all is GREAT to it is not going to work...why did we not find out till the last day? We were so frustrated and scared that we were not going to get our dream home. Trever did not say ‘I told you so’ but I could see it in his face. He quickly made some phone calls and after we spoke to the mortgage broker he recommended we had our approval in under two hours...seriously don't risk it. Take the assistance which is offered by Trever and Jason. I wish we had done so right out of the gate. It would have saved us so much time and stress.

Good luck!
Mark and Michelle


One of my best friends is a mortgage specialist at the bank. In fact he has been my banker nearly as long as he has been my friend. Of course I went to him to get my home purchase financed. He said that it would be no problem and he would get to the file right away. Trever and Jason contacted me daily during the subject removal period to see how the financing was going. I would call my friend and he would say I’m on it and it will not be an issue. Trever and Jason both said that ‘it should not be taking this long.’ They pressed me to speak to someone else just incase. I didn’t take their advise and on the day of subject removal my friend said ‘we are going to need an extension on the subject to financing.’ This was after nearly 2 weeks! I asked him why and he said that “I have been so busy that I did not get started on the file till yesterday and it is common practice to get extensions and should not be and issue.” Well needless to say I was upset. Trever told me that it is NOT common practice for an extension to be given and that the sellers could say ‘no’ to the request if they so chose. Thank goodness Trever and Jason had someone else in mind to help me get my financing together. With a late night of working for everybody and with the help of their mortgage broker contact I managed to get my financing approved in under 24 hours and was able to get the house I really wanted....however I wish I had chosen to work with their contact from the start. It would have saved me a LOT of stress.

Chris P.


We needed an inspector to check out a home for us prior to finalizing the purchase. Jason and Trever referred someone to us but we knew someone who was an inspector and simply hired them to save a few bucks and to support their business. Turns out he was not the best inspector. He made a few mistakes which we found out about after we moved in...some pretty big stuff. If we had hired an independent inspector as suggested by our realtors we could have sued for damages. However since this person is our friend we could not do anything. Well I guess we could but we would feel really bad. Needless to say we are no longer as close as we once were. Not following our realtors instruction has cost us way more money then we saved by hiring our friend. 



This is not a happy story. I found the house of my dreams...the house would have been perfect for my family but it was not meant to be I guess. Long and short I chose to work with a mortgage broker I chose from the phone book. Trever and Jason cautioned me to work with someone they knew could get the deal together but I thought that since I already contacted this other broker I should stick with them. I will keep this story short and simply say that this was a huge mistake. This broker left everything till the last minute. He said “everything looks good” the whole time but had not even submitted the paperwork! Then he asked me to get an extension for a few days after a week and a half of doing NOTHING! The sellers said no to the extension request and it turned out that they had a back up offer. My deal fell apart and I did not get the house I really wanted...My family is still renting and waiting for a home as perfect as the one that got away to come back on the market. This was the most frustrating experience! This should have been easy. I mean we have the money! Anyhow needless to say we should have listened to you Trever....sorry.

The Stall family


If you are thinking of using a Notary instead of a lawyer STOP...I am not even going to ask any of my past clients to write me a letter saying how horrible this experience can be. What I will say is that I have not had a single deal which was being looked after by a notary EVER work out....NOT EVER!! I find this as hard to believe as I’m sure you do. In every single event the deal ended up going to a lawyer anyway...this ended up costing my clients more money then if they had simply went to the lawyer in the first place and in the worst cases I have seen deals simply die. In one case I had one of my clients get sued!!!! Trust me it is not worth the savings! 



We have seen stories like these many times over the years...far to often actually. We refer our clients to people we know for no reason other then we know they are the right people for the job. We do not get paid for these referrals nor do we get any sort of kick backs...we simply know how these people do business and we find that our clients get preferential treatment. So before you opt to use your friend or family member to do a job for you think about this: How will you feel if they make a mistake and cost you money or cost you your home? How will they feel? How will your relationship look if things go wrong? Is it worth saving 100$ or 200$ to lose a friendship or miss out on the perfect home? Trust isn't. Keep your friends and family as friends and family and let an independent professional do the job you need done. To take that a step further don't simply rely on a person from the phonebook or some stranger to do the job. Let us suggest someone who we know is capable to look after things handle the matters of financing, title transfer, and will be in the best of hands.

Dependably yours,

The Welcome Home Team
Century 21 Assurance Realty Kelowna
Cell: (250) 859-5990
Office: (250) 869-0101
Fax: (250) 869-0105
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PS. Your referrals to friends and family are always greatly appreciated and rewarded.

1 comment:

Tiago said...

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