Buying, Renewing or Refinancing in Belleville? Work With a Broker Who Shops the Whole Market
Buying in Belleville? Renewing? Trying to keep the house after a separation? You don’t need a bank that can only offer its own products. You need someone who works for you and compares the whole market.
I’m Craig Nickerson, and I’ve been arranging mortgages in the Bay of Quinte for 30 years. My office is in Trenton, a short drive from Belleville, and I work with Belleville buyers and homeowners all the time. I deal in mortgages and nothing else.
How I Help Belleville Homeowners
- First-time buyers. Getting pre-approved, understanding your down payment options, and knowing which local and federal programs actually apply to you. Start with First-Time Home Buyer Programs in Belleville.
- Renewals. Your bank’s renewal letter is an opening offer, not the final word. I compare it against dozens of lenders before you sign. Mortgage renewals.
- Spousal buyouts. Keeping the family home after a separation can often be financed up to 95% of the home’s value with an insured spousal buyout. How spousal buyouts work.
- Self-employed borrowers. If your tax returns don’t tell the whole story, there are lenders who look at your business’s real revenue. Self-employed mortgages.
- Private mortgages. When a bank says no, private lending can bridge the gap, with an exit plan from day one. Private mortgages.
- Power of sale purchases. These homes move fast and come with conditions. Line up your financing first.
- Reverse mortgages. For homeowners 55+ who want to use their equity without monthly payments. Reverse mortgages in Belleville.
Why Work With a Broker Instead of Your Bank?
Your bank can only offer its own mortgages. I can compare banks, credit unions, monoline lenders and private lenders side by side. On most residential mortgages my service costs you nothing, because the lender pays the broker.
Just as important, I look at the whole picture: the penalty if you break the mortgage early, whether it can be ported to your next home, and what happens at renewal. The lowest rate isn’t always the cheapest mortgage.
Local, and Easy to Reach
I’ve been voted Trenton and Quinte’s favourite mortgage broker and financial planner more than 10 times in the Readers’ Choice and Community Votes awards, and I work with borrowers throughout Belleville, Trenton, Quinte West, Brighton and the surrounding area. Evening and weekend appointments are available, and a lot can be handled by phone or email.
Let’s Talk About Your Belleville Mortgage
Whatever your situation, a short, no-obligation conversation is the best place to start.
Call or text Craig Nickerson at 613-394-5810, email craig@simpligomortgages.com, or send me a message to begin.
Mortgage approval, rates and maximum financing depend on the lender, the mortgage default insurer, the property and your individual circumstances. Fees, where they apply (for example on some private mortgages), are disclosed before you commit.
