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Finding Solutions: Clients Rely on Shannon DeRosa’s Mortgage Team

Shannon DeRosa is a licensed mortgage professional, and the principal of a dedicated team licensed with CML Canadian Mortgage Lender. Through her professional services, she has built a successful brand that focuses on finding the best solutions for her clients, with Airdrie making up approximately 80% of their clientele.

Shannon has called Airdrie home for 42 years and is proud to have raised her children in this community which they also call home.

“Banks are limited to one lender with specific guidelines. However, as a mortgage broker, I have access to multiple lenders, which allows me to find the best solutions for my clients, both now and in the future. Many clients are surprised to learn that they have options beyond the rates offered by their bank,” says DeRosa. “I love finding solutions for people who think they don't have any options. I particularly enjoy working with first-time homeowners.”

Just what does a mortgage broker do?

A mortgage broker is a licensed professional who acts as an intermediary between borrowers seeking a mortgage, and lenders. Brokers work with multiple lenders to find the best mortgage rates and terms for their clients. They help clients navigate the complex process of applying for a mortgage, including gathering necessary documents, completing applications, etc.

One key difference between a mortgage broker and a bank lender is that a broker has access to a wider variety of lenders and mortgage products than a single bank. This means they can offer more options and potentially better rates to their clients. Brokers also have more flexibility in their processes and can often work more quickly than banks.  Working with a mortgage broker provides advantages in terms of access to options and expertise – and when it comes to expertise, DeRosa has plenty.

With her experience, connections with a variety of traditional and specialty lenders, along with an Equifax certification that allows her to offer products to clients in debt recovery, she truly can offer solutions for many diverse situations. DeRosa’s success also comes from putting her clients first, treating them how they want to be treated, and finding what's best for their interests.

“I take the time to get to know my clients and understand their goals, which helps me find the best solutions for them,” she confirms. “I also enjoy helping clients with long-term planning when necessary. That means, if a mortgage is something the buyers are working towards, I can help with the roadmap to get there.”

“I know there are challenges,” DeRosa continues, “such as changing guidelines and interest rates. Also, the stress test introduced, forcing people to qualify 2 per cent higher than the current rate – that can really squeeze people. However, do not automatically assume that a mortgage is out of reach despite your credit history, current intertest rates, recent marriage breakdown, etc. There are many solutions and I’m happy to discuss the options that fit your needs.”

For her expertise and customer service, DeRosa is proud to have earned four VERICO® President’s Club awards and several Director’s Achievement awards. However, she considers the greatest measure of success to be the lives she has changed by finding and orchestrating lending solutions that empowered her clients with home ownership, restored credit, and financial confidence.

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