This is a quick and friendly that 40 year amortizations and 100% financing will be much harder to attain post October 13th. But Mortgage Brokers will still have access to alternative financing sources. Why wouldn’t you use a broker? They shop the mortgage market for you, getting you the best rate, best terms and best mortgage product for you. Call Dean at 416-835-4836 and send in your application today. Many online mortgage lenders offer competitive packages for home buyers and most of these offer free online mortgage quotes for your perusal. As a perk, some of these sites also offer free online mortgage calculators to help you calculate the costs and gains of the loan programs they have to offer.