Mortgage Agent – Level 2
Steve Roode has over 20 years experience as a relationship manager in the financial services industry. He has provided impactful service and supported the business growth of some of Canada’s largest banks. He is a true partner to his client s and is willing to go the extra mile to find solutions.
As a mortgage agent, Steve utilizes his relationship management skills to take the time to really understand his clients and builds a strong rapport to find the mortgage that best suits their needs. With a strong attention to detail, he will assist you throughout the entire mortgage process. His personal experience, along with the ownership of a student rental property, Steve can speak knowledgeably about a variety of mortgage options.
Steve holds a BA from Western University and an MBA from Dalhousie University. In his spare time, Steve is an avid participant in men’s recreational hockey with the Oakville Beavers Hockey Club. He also spends time woodworking, making custom rustic signs and furniture (IG: @sjroode). He lives in Oakville with his wife and teenaged son and daughter.
There’s strength in numbers.
Confidence, too. And the confidence that comes with having the numbers on your side starts with having the right people on your side. People who speak numbers, speak your language and whose reputations speak for themselves. People who understand your goals and work with you to meet them. People like you. For trusted financial advice and service that makes you feel like you belong.
Join the tribe.
I believe that my responsibility as a mortgage expert goes well beyond simply arranging your mortgage financing. My job is to ensure that you feel confident in the mortgage process and make decisions that best suit you and your tribe.
In order for you to feel confident about the mortgage process and make the best decisions for your tribe, you have to feel at ease and be able to ask questions. I stay in touch with you throughout the entire process, provide information up front, but also make myself available whenever you need me!
Best Mortgage Products
Being a part of the tribe has advantages. Access to the best lender products available anywhere in Canada is one of them. We use our extensive corporate networks to ensure you get the best mortgage product. It pays to belong.
We have developed excellent relationships with several lenders, let’s figure out which one has the best products to offer you!
A lot can change over the course of your mortgage term – regardless of its length – including your income, debt load and interest rates, to name a few. That’s why it’s important to undergo a free annual mortgage checkup with your mortgage agent to ensure you’re saving as much money as possible throughout your time as a mortgage holder. You annual mortgage review should include a look at your current mortgage features and how you’re using them, as well as an evaluation of your personal and financial situation to ensure they’re still compatible. For example, if you’re paying a lot of interest each month due to credit card debt or a car loan, you may want to consolidate your high-interest debt into your mortgage and free up cash flow. Or maybe your income has increased, so you’d like to examine your prepayment or lumpsum options. Warmer weather also often means your renovation project to-do list is growing, and using your home equity to finance your renos is often the most cost-effective option. It’s important to keep in mind that, although mortgage rates have risen this year, they’re still much lower than the rates you’d pay on unsecured debt such as credit cards and lines of credit. Have you considered a mortgage refinance? There are many reasons why a mortgage refinance can be a great solution for homeowners. Other popular purposes in addition to the ones mentioned above include sending your kids to school and purchasing another property – such as a vacation home or rental. If your mortgage term is about to expire, now’s the perfect time to consider freeing up some of your home equity through a refinance because you won’t have to pay extra fees to break your mortgage early. One of the biggest benefits to working with a mortgage agent is they can crunch the numbers and help you weigh your options based on the penalty amount you’d face to break your mortgage mid-term vs how much you could save between now and when your mortgage is up for renewal. Sometimes it makes sense to pay a penalty while, in other cases, waiting a little longer – ie, closer to the end of your current mortgage term – is your best choice. Have questions about your mortgage options or wish to book a free review to see if your mortgage is still right for you? Answers are a call or email away!
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