Bill Bowden, AMP, Owner/ (Accredited
Mortgage Professional)
I was born and raised in Vancouver, B.C. My wife and I met in
Sr. High and have been happily married for 40 years. Our
son and daughter are both married and reside in Calgary. We'll be
third-time grandparents this summer! Through my past experience as
a Master Electrician in both BC and Alberta and involvement
as part owner of a house building company, I have gained invaluable
insight into owning & building a home.
My father has been in the Real Estate financing business for
over 45 years, which I was destined to follow. With 6 prior
years of private financing experience, Bill Bowden Mortgage Services
is a member of the Okanagan Mortgage
Lenders Association (OMLA), Canadian Association of Accredited
Mortgage Professionals (CAAMP), Mortgage Brokers Association
of British Columbia (MBABC), and is licensed in British Columbia
under the Mortgage Broker's Act
since 1998. Bill Bowden is a designated Accredited Mortgage Professional
, AMP - for more information, visit
www.amp-designation.ca
"I believe the business of Mortgage Banking is just as much
about people as it is about numbers. To be successful and get
results, you have to develop a positive working relationship
with each of your clients. I strive to make sure the loan process
is as stress-free as possible."
Financing Available For:
Pre-Approved Mortgages
Residential 1st Mortgages
Renewals
Private Residential 2nd and 3rd Mortgages
New Construction Mortgages
Commercial Mortgage Loans
Small Acreage Loans
Our Happy Clients:
"I would like to THANK YOU on behalf of myself and my entire family for helping us with our mortgage needs. Your professional yet friendly mannerisms have made modifying our mortgage really easy. You were extremely helpful and informative and treated me like family.
Everything flowed from start to finish and having you to communicate with and answer any and all my questions (silly or not) certainly made the process easier as it helped me understand it.
I will be happy to refer you to anyone I know who may be looking for an understanding and willing broker.
Thank you so much for everything."
Sincerely, Naomi & the rest of the McGeachy family
"Being first-time home buyers, we were uncertain of the process.
Bill guided us through and made it as easy as possible. He would
tell us what he needed and when, and was always available if
we had any questions or concerns. We were very glad that we
were working with Bill when we ran into a snag. He was able
to smooth it out very quickly. Working with a mortgage broker,
alleviated a lot of the stress that we expected to feel. He
was there for us from start to finish. Thanks again Bill!" Jamie & Ruth Callender, Vernon, BC
"To Whom it May Concern"
With regard to Mr. Bill Bowden
Bill came recommended to us when we decided to buy our first
home. To our surprise, Mr. Bowden took care of not only us,
but all the problems that came along with buying a house. We
didn't have to deal with the mortgage company, the real estate
or anyone else. Several meetings we had with Mr. Bowden, discussing
the house and every detail was taken care of down to the best
interest rate. No stone did he leave unturned. We are recommending
Mr. Bowden to all our friends. It was truly a great experience
dealing with him. Great work Bill!" Vernon & Judy Knott, Vernon, BC
"Bill,
Thank you very much for your excellent work and the great rate!
I have to say that I am very impressed by your level of service
and your prompt response to all my questions. As this was my
first mortgage, I was a little nervous and did not know the
process, but you were great! You helped me understand everything
and eased my concerns. I am especially satisfied with the low
rate you were able to secure, even before the rates dropped.
Now that they have, I am extremely pleased with the rock bottom
rate that I am getting, being even lower than most banks are
offering on their 6 month open, and I'm locked in for five years.
I have already recommended you to my parents and sister, as
well as numerous members of the Calgary Police Service. Thanks
again" Colin Armstrong, Calgary, AB
"To Whom it May Concern:
This is to express our complete satisfaction with the professionalism
and fast service that was provided by Mr. Bill Bowden in obtaining
a mortgage with the Bank of Montreal in Vernon. I would highly
recommend his services to anyone with mortgage concerns." Murray & Myril Scott, Vernon, BC
"To Whom it May Concern:
I have had the opportunity to deal with Bill Bowden on three
separate finance situations. In all three situations, Bill was
successful in meeting my financing needs. He did so in a very
professional and forthright manner with the utmost concern for
confidentiality. I will definitely approach Bill for all my
future needs. Sincerely yours," Terry Bradley, CAIB
"Whether you are a Realtor or Borrower, you need an open
line of communication. I know how important it is that you understand
every aspect of your financial transaction. I will take the
time you need to thoroughly explain every detail. The benefit
to you will be a speedy and smooth close of your transaction." -Bill Bowden, AMP, (Accredited
Mortgage Professional)
The client pays
a broker to find the best mortgage.
False: The
lender most often pays the mortgage broker, since lenders
want to find new business without having to deal with
a customer on a time-consuming one-to-one basis.
2.
The client can
find the best rate on their own.
False: Mortgage
brokers deal with wholesale divisions of the big banks,
credit unions and private lenders that cannot be accessed
by individuals.
3.
Mortgage Brokers
can save you money, time and effort.
True: Whether
you are a first-time home buyer or renewing your mortgage,
a mortgage broker can send your application online, to
several institutions simultaneously. Also, for example,
because a broker can secure a discounted rate, a 1% discount
on the interest rate on a $100,000 mortgage can save you
more than $6,000 in interest and payments over a five-year
term. No more haggling for the best rate!
4.
Using a broker
instead of shopping for a loan yourself can help your
credit rating.
True: Each
time a bank pulls a credit report, your score goes down
a little. The rating will gradually recover if you keep
up all your payments. However, a broker can shop among
multiple lenders while making only one inquiry to the
credit bureau.
5.
Mortgage Brokers
offer various other services.
True: Not
only can a broker obtain a pre-approved mortgage, they
may also be able to stretch the average 90 days rate hold,
with some of their specialty lenders. Also, brokers can
often connect clients to appraisers & lawyers that are
cost effective.
6.
All Mortgage Brokers keep banker's hours.
False: Bill Bowden Mortgage will work around
your schedule and offer unbiased opinions, and work 110%
for you, the customer.
