Mortgage shopping? 5 reasons you’ll feel right at home with CIBC
Buying a home can be both exciting and nerve-wracking, especially considering the current economic landscape, which may leave you hemming and hawing, wondering if you’re making the right choice. That’s why it’s more important than ever for prospective home buyers to work with a mortgage lender they trust—one who helps you navigate a complex process with greater ease.
With personalized mortgage advice, an easy-to-use pre-qualification tool, and a team of expert advisors at the ready, CIBC’s dedicated mortgage professionals will help make an otherwise tricky decision a little bit easier, empowering you to house hunt with confidence.
Here are five reasons why you’ll feel right at home with CIBC.
Feel calm and confident with advice you trust
Finding the right mortgage lender is about so much more than just who offers the lowest rate. It’s about getting the support you need to help you make the right choice.
CIBC’s mortgage experts are here for you. Offering comprehensive, up-to-date information, they’re available to help homeowners navigate the home-buying landscape and answer questions specific to your circumstance and financial situation. All this without any cost or obligation—just honest advice designed to help you find a plan that brings you one step closer to owning your new home.
Pre-qualification takes the guesswork out of the process
For first-time home buyers in particular, applying for a mortgage can seem a bit daunting. Luckily, CIBC’s easy online mortgage tools help streamline the process, putting everything you need in one convenient place.
First things first: Get pre-qualified using the CIBC mortgage pre-qualification tool. This handy, easy-to-use tool will not only help you determine how much you can borrow in a matter of seconds, it will also connect you with a dedicated mortgage advisor who can provide even more personalized advice.
Get personalized advice that fits your timeline
When you’re ready to take the next step, CIBC’s painless pre-approval process provides a rate hold and certificate that your mortgage is pre-approved, subject to conditions. This step will also connect you with a trusted CIBC advisor who will offer tailored advice based on your unique situation, to help you understand how much mortgage you can comfortably afford.
They can also make recommendations to help you determine if a fixed-rate mortgage, variable-rate mortgage, or CIBC Home Power Plan is right for you, all with the goal of helping you find a home that aligns with your wishlist and your budget, whenever you’re ready to buy.
Looking to further protect yourself against future uncertainty? An advisor can walk you through creditor insurance options on your CIBC mortgage, which can help pay off or reduce your mortgage in the event of death or critical illness, or cover your payments in the event of a disability or involuntary job loss that may affect your income and ability to afford your home.
Feel certain about your purchase, even in uncertain times
Whether you’re a first-time home buyer, interested in switching lenders, or looking to renew or refinance, feeling anxiety around home buying is only natural—and market uncertainty and affordability concerns only add to this uneasy feeling.
Fortunately, that’s what CIBC dedicated advisors are here for. They will answer questions taking into account your personal situation: questions like how fluctuating interest rates may affect how much house you can afford, and how to ensure you have a plan in place so you’re prepared if rates continue to rise. While they can’t help you decide when you’re ready to buy, having a trusted advisor in your corner can help empower you to get off the sidelines and start house hunting with confidence, providing you with the answers you need to make an informed decision.
Enjoy enticing perks like cash back
CIBC offers more than knowledgeable advice and competitive rates: they may also offer special deals such as a cash back mortgage, so make sure to inquire about any limited-time offers you could be eligible for.
Not all mortgage specialists are created equal. A CIBC advisor can help take the guesswork and uncertainty out of the mortgage shopping experience—because securing a mortgage isn’t the end of the home buying process, it’s just the beginning. Visit a CIBC branch today or request a call with one of their dedicated mortgage specialists to experience the CIBC difference firsthand.
