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  • Home
    • Our Team
    • Testimonials & Reviews
    • Booking
    • Privacy Policy
    • About Ryan
  • 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
      • Refinance for Investment
    • 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?

It's a fact: Mortgage rates are constantly in flux, influenced by a myriad of market conditions. Now, more than ever, it's crucial to have someone by your side who stays on top of these changes and understands their nuances. (Hint: that's where I come in.)

While you might spot an enticing rate advertised online, it could be outdated by the time you're ready to apply. Some rates are also exclusive to clients with specific application types (insured vs. insurable vs. uninsured) or certain credit and income qualifications. It's nearly impossible to know if the rate you see online is the one you'll actually secure.

Moreover, the mortgages with the lowest rates might not offer the flexibility or features you require. To learn more about these products and determine if they're a good fit for you, it's wise to give us a call.

By reaching out, we can conduct a thorough analysis of your situation, needs, and goals. This goes far beyond just the rate and considers the features and eligibility criteria of various mortgage products. Once we have a clear picture of your needs, we'll scour the market to find the best mortgage product tailored to you. Remember, it's not always about choosing the lowest rate, so let's "shop around" together.

Book YOUR Free Mortgage Analysis

For the most current up-to-date information on Mortgages and Real Estate in Kamloops and the BC interior, please 'Like' us on Facebook, follow us on Instagram, Pinterest, and check out our Blog.

Ryan W. Smith - Mortgage Broker
House & Home Mortgage Co. 
258 Seymour St.
Kamloops, BC, V2C 2E5

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