Straight answers before you even call.
When do broker fees apply?
In most cases, the lender pays my commission and you pay nothing. This includes A, B, and alternative lenders. On private deals, the lender sometimes doesn’t pay a commission, so a broker fee may apply. I disclose this upfront, in writing, before you commit to anything. No surprises.
Does talking to you affect my credit score?
No. An initial conversation and a file review do not pull your credit. I only pull credit when you authorize it and we’re moving forward with an application. Asking questions costs you nothing on your credit report.
What happens before I apply?
We talk. I review your situation, tell you where you stand, and map the strategy. You get a clear picture of your options before any application is submitted. No pressure, no obligation.