Purchasing your first home is an exciting but stressful time in your life. As a professional mortgage broker for many years, I can offer more than just the best products and mortgage rates. Although these are important factors, I believe that being attentive to individual needs while giving comprehensive advice, is just as important. I can pre-approve your loan with the best interest rates, which will help determine your borrowing capacity. In addition, I can discuss with you important issues such as fixed rates, variable rates, and cashback products to help you to buy a home without a down payment! As a Mortgage Broker, I can transfer your mortgage to one that has lower interest rates while saving you the cost of the renewals. The new financial institution will pay the necessary fees, which saves you more than $1,000! Jason Zuckerman is a certified Quebec Mortgage Broker and a financial consultant with Hypotheca Mortgage Brokers, the second largest mortgage firm of brokers.