We Can Do It
Independently owned & operated
Serving Perth & Oxford Counties
  • Sunshine Financial | Mortgage Broker Julie Armstrong will beat the bank rates* See rates page for more information

    Julie Brenneman of Sunshine Financial works on behalf of clients like you who are looking for the absolute best mortgage rates available, providing new home owners peace of mind knowing they're not overpaying for their mortgage.

    "To be successful in real estate, you must always and consistently put your clients' best interests first. When you do, your personal needs will be realized beyond your greatest expectations"

    - Anthony Hitt

Why Use a Mortgage Broker?

There was a time when the banks were of the opinion that they “owned” their customers and that mortgage brokers were only a last resort for clients not qualifying under conventional standards. But times have changed and home buyers in every bracket are seeking the help of a professional mortgage broker. Whether you are buying a home or renewing a mortgage, consider putting a mortgage broker or agent to work for you.

Home Purchases

With any major investment – your home being one of the largest – it is important to do your research and shop around for the best solution. This is exactly what a mortgage broker does. A skilled broker will work to understand their clients’ needs, shop all the banks and come back with options that best meet the long and the short-term objectives of the client. This will save you time and money and give you piece of mind when purchasing or refinancing your home.
Using an independent mortgage broker not tied to any one financial institution is absolutely in the best interests of the consumer. Because they are not limited to one institution, they will be able to find you the best product for your financing needs. With over 400 mortgage products on the market, this takes the guesswork out of getting a mortgage.

Using the services of a mortgage broker costs the client nothing in the vast majority of cases*. The lender pays the broker for placing the mortgage with them. A broker is paid on the size of the mortgage, not the rate. Getting the best rate for the client is in the best interests of the broker.

Debt Consolidation

Drowning in debt? If you have available equity in your home, mortgage brokers can help you consolidate your bills and free up extra cash. It just makes sense to pay off those high interest loans and credit cards into one monthly payment. As of July 2012 the amount you can refinance decreased from 85% to 80% of your home’s value. If you do not qualify for conventionally insured products, Mortgage brokers also have access to “B” lenders (alternative lenders for higher risk clients) that may look at your mortgage at a slightly higher rate. If you have debts that have went to collection, your mortgage professional may also be able to negotiate a settlement amount.

*In some cases broker fee may be charged for unconventional financing, this is disclosed prior to financing.

 

Our Team

 

About Julie
julie-brennemanJulie has worked in the Financial Industry for over 11 years, beginning at a local note loan company in Stratford. She worked there for several years, focusing mainly on high risk lending and Collections/credit advising. During that time, she obtained her Mortgage Agent license. In 2010, seeking better solutions for her clients, Julie decided to leave her current position by becoming an Independent Agent under the supervision of a local Mortgage Brokerage. She worked there for 2 years before obtaining her Mortgage Broker’s licence through Seneca College in 2011. In 2012, she joined the Sunshine Financial team as a Broker and moved her office from her location in Tavistock, Ontario to a storefront in downtown Woodstock. Julie is very active in the local Community and volunteers regularly with the Heart and Stroke, Tavistock AG Society, Tavistock Assistance Program Annual Food Drive and other Community Events.

She lives in Tavistock with her husband and 3 children. She is also a proud Step Mommy to furbaby Mishka the Olde English Bulldog.

About Catie

catie“Hello everyone! I am Catie, Administrative Assistant, and the latest addition to the Mortgage Centre team. Thrilled to work in such a great environment with such wonderful people. Julie and Angie are truly a joy to work with. I like to say my previous experience makes me well-rounded.  I have worked in banking as an accounting clerk, at a local radio station as a marketing specialist, and at a paralegal office as the administrator. This has all lead me here!”


Mortgages by Julie | Your Home, Your Mortgage - I Can Do It! Woodstock Mortgage Broker

Mortgage Minute

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FREE PERTH & OXFORD COUNTY POWER OF SALE AND INVESTMENT PROPERTY LISTINGS

Mortgage Minute - Join my mailing list for a free Power of Sale & Investment Property List! Julie Brenneman of Sunshine Financial