Which also means that she is not tied to any one lender.
So not only do you get a wealth of knowledge and professional guidance without having to spend a dime out of your pocket, but you also work with a professional who is impartial to any particular bank or lender!
Talking about banks, … have you ever shopped around for rates? Visiting different banks and comparing the prices, ending up at the bank you started out with only to find out they will graciously match the best rate you managed to get after spending hours of your time running around?
Well, let me tell you that you won’t have to do that ever again! Not only does Moira have access to all the lowest rates for banks, trust companies and credit unions but also broker-centric places that only brokers can access.
Moira also mentioned to us that many of her clients will tell her that their bank called telling them they really should lock in their rates. Like right now!! Well, that may or may not be the best decision for you.
Many times, the bank employee will have no knowledge of your financial situation and can really only offer you information on their services. Those are scare tactics to get you locked into your rates.

Loan Rangers will always have your files on hand to cross check all potential options for you. Moira will know your risk tolerance and if you have the ability for your rate to go up a little bit or if you should lock it in. Also, as a mortgage broker, she has no bias in anything, so she can freely help you decide and give you the right advice.
Talking to Moira was an eye-opening experience for me to say the least! The amount of information and quality advice she gave us really made it clear to me that realistically there is not another option than to go and see her once you start thinking about buying a house!
And preferably even before that.
She told us that “The sooner you can start building a plan towards buying a house one day, the better. Even if you have some credit challenges, I will be able to put together a plan with you towards rebuilding your credit.”
She said that your early 20’s would be a great start. So, you can build up credit and get ready to be in a position to buy a house. Even when you have teenagers, get their credit started. It will make their lives a whole lot easier. “The earlier kids can pre-plan the better.”
I could go on writing for another hour at least with all the information Moira provided us, but I know that anyone would benefit much more by giving her a call and arranging a meeting with her to answer all the questions you might have.