Ian Mucignat

Mortgage advice you can trust

Providing the best mortgage products at the lowest cost for individuals, families, and businesses.
 

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Honest, independent and unbiased advice

Ian Mucignat, CFA has worked in the mortgage industry since January 2000. His vast work experience at Banks and Lenders provides him a true “insider” look into the motivation and tactics of the lenders. This is important because it translates into real cost savings for his clients.

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Why you need a Mortgage Broker/Agent on your side
VIDEO: Why you need a Mortgage Broker/Agent on your side

 

Why you need a Mortgage Broker/Agent on your side

Video: Why you need a Mortgage Broker/Agent on your side


Honest, independent and unbiased advice

Ian Mucignat, CFA has worked in the mortgage industry since January 2000. His vast work experience at Banks and Lenders provides him a true “insider” look into the motivation and tactics of the lenders. This is important because it translates into real cost savings for his clients.

Learn more about Ian keyboard_arrow_right

 

LATEST POSTS


 

Did you know that about 30% of people get their mortgage from a mortgage brokerage? I like to think of the remaining 70% as those who are yet unaware of the benefits of a mortgage broker. It’s only natural that if you walk into a bank branch they will try to persuade you to use them for your next mortgage.

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Purchasing a home in a rapidly rising housing market can be difficult. Buyers have to think about offering the right price; while having an offer proceed as clean as possible. Often times, the buyers are waiving their condition of financing. For some, this may be less of a concern because they’ve been pre-approved allowing flexibility on their down payment. However, for those buyers who are limited to a more restrictive budget this can be a problem as appraisals can come in too low.

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Did you know that when are pre-approved for a mortgage you can mess it up? What’s more, even if you have a signed approval there are ways you can mess it up too? The most obvious example is if you lost your job. Income from employment is super important. However, there are other facts too that can impair the mortgage to close properly.

Every situation has is uniquely different. What’s more, there are altative solutions such as private financing that can provide relief. However, for the sake of this article, here 8 tips you can follow to ensure a smooth mortgage closing.

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CLIENT TESTIMONIALS

“the whole process was easy and painless”

Ian got us a great mortgage with terms we were very happy with. He greatly simplified and thoroughly explained the mortgage application process, and helped us with us every step of the way through it. He made the whole process easy and painless. I wouldn't hesitate to recommend Ian to everyone!

- Andrew Y

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Top 10 reasons to use Ian Mucignat as your mortgage agent:Ian - cartoon

  1. Get independent, objective advice on your financial options. Mortgage Agents are not restricted to any one bank or range of products. They work for you and can make objective recommendations on financing solutions through hundreds of lenders. 
  2. Save time with convenient one-stop-shopping. Mortgage Agents do the research and shopping for you so there's no need for you to waste time organizing appointments with competing mortgage lenders when you could be house-hunting! 
  3. Negotiating on your behalf. Negotiating can be stressful. Mortgage Agents act in your best interest and do all the negotiating to secure competitive rates and terms that make sense for you. 
  4. More choices. With a network of major lenders and products to choose from, Mortgage Agents can source your ideal mortgage options from banks, credit unions, non-traditional lenders and more.

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