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  • Home
    • About Ryan
    • Tesimonials & Reviews
    • Privacy Policy
    • Booking
  • Mortgage Types
    • Purchase Mortgages
      • First Time Home Buyers
      • Repeat Buyers
      • Second Homes / Vacation Property
      • Investment / Rental Properties
      • New Construction
      • Multi-Unit Properties
    • Refinancing
      • Home Improvements - Renovate
      • Debt Consolidation
      • Equity Take Out
      • Home Equity Lines of Credit
    • Renewal
      • Shop Around!
      • Mortgage Transfer
      • Renegotiate
      • Renew Early
    • Other Mortgages
      • Self-Employed / Stated Income
  • Tools
    • Mortgage Calculators
    • Rent vs. Buy Calculator
    • Mortgage Glossary
    • Home Buyer's FAQs
  • Blog
  • Apply Now
Are You Looking For The Best Rate, Or The Best Mortgage?

Fact: Mortgage rates change constantly depending on numerous market conditions. It's more important now than ever to have someone on your side who regularly monitors these changes and understands when and why they happen. (Hint: that's me...)

At times you may see a rate advertised that's no longer available by the time you apply. What's more, certain rates are only available to clients with specific types of application or even credit or income  qualifications. There's no way for you to know whether an online advertised rate is what you'll actually end up getting.

Another consideration is that some mortgages with the lowest rates may not give you the options or flexibility you need. For more info on these types of products and to find out if they may be a good fit, it's best to give me a call.

By getting in touch with me, we can take time to sit down determine what may be the best mortgage for you through a free analysis of your situation, needs, and goals. This analysis will take into account not just rate but also features and eligibility. Once we know what your needs are, we'll shop the market and to find the best mortgage product that will suit your needs. It's never as simple as choosing the lowest rate, so don't be afraid to "shop around" with my help.

BOOK YOUR Consultation

Ryan W. Smith - Mortgage Broker
House & Home Mortgage Co. 
546 St. Paul St. #250
Kamloops, BC, V2C 5T1

House & Home Mortgage Co. Is a division of Verico Compass Mortgage Group. All Verico franchises are independently owned and operated. 
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