Get your perfect mortgage now!Go!
At North East our professional and committed team of Real Estate Brokers, will represent your best interests and accompany you in every step of the transaction until you are handed your key to your happy place.
1 - Pre-approval to determine your buying power
This is the first and one of the most crucial steps of the buying process. Knowing your budget and mortgage payments in advance prevents you from finding your dream home only to later realize that you can’t afford it. Your pre-approval letter states the maximum amount you can borrow and the rate of your term. You will also benefit from a locked mortgage rate for a determined period. Finally, your pre-approval also provides insurance to the seller that you’re a qualified buyer.
2 - Personalized Buyer’s Consultation:
Once your budget is established, you’re ready for your personalized buyer’s consultation.
Every buyer is unique and their purchase criteria will differ depending on their stage in life.
In this meeting, you will establish the most important criteria of your property search including the type of property, the neighborhood, and the distance to services important to you.
3 - Property Search:
This is probably the most exciting step for the buyer as you’re officially looking for your perfect home.
Once you have established what you need and want in a home, it will be much easier to identify if the home you are visiting is in line with your goals. This will make the process easier and less stressful.
4 - Negotiation of Offer:
Found the perfect home? You are now ready to prepare and present an offer. Your experienced agent will advise you on how to make the best offer based on the latest market statistics and comparative market analysis, set out the conditions and delays for your offer and help you get the BEST price for your home!
5 - Inspection:
The inspection is a vital part of the buying process. The inspector will do a walk through of the house and identify any “defects” with the structure or major systems of the property, general maintenance and immediate and future renovations the buyers must foresee.
Your real estate broker will put things in perspective and will use any serious findings during negotiations.
6 - Notary:
Now that all conditions have been met, the buyers and sellers are ready to conclude and formalize the sale at the notary’s office. The notary will go through all the documents in detail (title searches, municipal and school taxes) and prepare the disbursements, closing costs and adjustments. Once the deed of sale is signed, this means the actual ownership has been transferred.
Your circumstances have changed and your home no longer meets your needs? Our real estate brokers will guide you from A to Z and make sure the process is stress free!Get a free evaluation
Thanks that we found North East Real Estate, employees are so nice, approachable and most of all so polite. I can recommend this to everyone esp. to my friends!
- Lily Manalastas
Terry and his team are the best! Helped us with our first mortgage and took the time to explain everything to us and answered All of our questions. Highly recommended
- Andrea Mocella
The best team you could ever ask for! Terry went above and beyond with our questions. Very knowledgeable of the process, but also steps related to our first home purchase.10/10 would recommend
- Donya Mirfotrous
We have dealt with Kumar who is super knowledgeable and helpful. He has worked hard on our file for the past 3 years. He is really professional and takes the time to explain everything. He is up to date on the latest mortgage trends and we highly recommend him. It was a pleasure working with him....
- Melissa Cartillone
Love working with the North East team for both real estate investing and for personal real estate needs. In a span of 6 months, they've successfully helped us with 2 new mortgages and a refinance. Big thanks and respect to Terry, Neamul
- Ajanthan Manickam
After 6 years, the North East Real Estate
- Lenny Edelstein
The NorthEast Team are putting in extra work to help me resolve an issue I got myself into. Terry Kilakos
- Michael 360 Video Services
Terry and his team at North East Mortgages are incredible. They pay special attention to detail. They have a sense of urgency. They take the stressful situation of buying a property and turn it into an enjoyable process. When Terry or any member of his team say "Don't worry about it - They mean i...
- Derek Clarke
I’ve been a client of Terry for almost fifteen years and he has always taken very good care of me and my family. The last few months I've been dealing with Michelle who took care of the sale of my home. She sold my home in a very difficult market and took care of everything while I was living alm...
- Marco T
Service impeccable et rapide
- Raphaël Souliere
Merci pour le super service toujours facile de lui parler. Très professionnel.
- Christian Labrecque
courtier sympathique , encourageant ,toujours souriant, dévoué , et surtout à l'écoute de ses clients. Une équipe formidable , un accueil chaleureux !. Je suis ému de la manière dont il s'est occupé de moi. Je dirai même qu'il vient de me donner une seconde vie . Je n'oublie pas madame Olympi...
- michel éfoé Sassou
Thank you for doing such a perfect job securing refinancing for me. You got me an excellent rate that was competitive . I would be happy to be a reference for you if needed. Thank you again for such a great experience."
- Romero, Silvia
Excellent courtier hypothécaire, il s'est montré très patient avec nous
- Nancy Couturier
Cristian Mardari, Thank you for this experience you were very helpful. Everything ran smoothly and fairly quick. Good luck Cristian and thank you once again.
Mary Lou Pomainville
- Mary Lou Pomainville
Cristian was extremely helpful with the purchase of our first home, from helping us to understand each of the steps to finding better rates for us when possible. 100% recommended.
- Eric and Shanaya
Thank you so much for your help during this process. In the beginning, it didn't seem very easy, but with your help, we got through all steps quickly. Thank you for your time, support and advice.
I wish you the best.
Cristian was very helpful during the process of purchasing our first home. He answered our questions and made sure we understood all our options.
- Pearsall Chris
Dear Saba ,
I hope you are doing well, thank YOU for your hard work in our case.we really appreciate it.
Thank you for doing such a perfect job securing financing for me. You got me an excellent rate that was competitive with the very best offers out there, and came up with a very smart financing strategy that let me purchase my first house. It was a pleasure doing business w...
Une très belle expérience avec Rafy Chichoyan pour notre refinancement hypothécaire. Je le recommande fortement comme. Merci beaucoup, Rafy
Super helpful, always available to answer questions, would definately recommend!
- Julia Boyer
We are so pleased to have had Cristian Mardari assist to achieve our mortgage goals. Some of our encounters with banks have been less than favourable, with poor follow up and communication. This was absolutely not the case having North East, and Cristian in particular, working on our behalf. R...
A travailler très dure pour ma fille et moi il a fait des miracles dans les deux situation je le remerci sincèrement et je vais le recommander ces sûre.
- Hélène currie
Très bonne expérience avec Cristian Mardari pour mon refinancement hypothécaire. Je le recommande sans hésiter.
- Sylvain Heilliette
Choosing North East and working with Saba was an amazing experience as a first time house buyer for me.
I felt like I learned something new through each interaction and was educated on commonly misunderstood nuances regarding mortgages.
Ms. Almaei was available anytime I had q...
- Hamid Kiani
Salut Mr Mardari c est Mr Saint Jean
Je suis très content de m avoir aidé à trouvé un nouveau prêt por ma propriété ! Vous êtes une excellente personne et je m engage à vous faire trouvé d autre personne
Merci Mr Saint Jean
- Saint Jean fanes
Il a été très à l'écoute, très disponible.
Il va m'avoir permis de respirer merci
- Payette Kim
Hands down, Peter Adamopoulos is the best real estate broker I've ever deal with. He proactively and professionally assisted me to find accommodation in Montreal matching all my special criteria within a very short time span, always providing smart guidance and pro tips. Super-helpful, flexible, ...
- A K
I would highly recommend Christian to anyone who needs help with their mortgage. He helped me to get the best possible deal on our mortgage.
His professionalism and honesty are what sets him apart from any other mortgage brokers. I highly recommend his service.
- Irina Mryan
Cristian Mardari is the best!!! We cannot thank you enough for his help. He is very professional and very responsive to all our questions, after a week our mortgage was renewed despite of the exceptional case we had. We highly recommend his service.
Thank you Cristian!!!
- Charis About
Excerpt from email sent to Northeast today:
"Just to let you all know that Dina called me today, despite her being "closed for business". What a wonderful person she is, just as you said she would be Olympia! You are both such good and caring people!
Dina took alot of we...
- Cheryl Cartwright
Cristian Mardari has a passion for helping others and a strong attention to details. He is very professional. He gave us many options and suggested the best one. Very explanatory, he is always responsive to all our questions and everything was made clear. We recommend Cristian.
- Stamate V. S.
It was amazing to work with Cristian Mardari. I'm a first time home buyer and he couldn't make my life easier during this process. You can get really stressed/scared with all those numbers and rates, but Cristian patiently explained everything in detail to make me feel confident enough to take th...
- Murilo Felipe
Cristian helped me a lot to get my mortgage ! Best mortgage broker ever! Thank you so much again Cristian
- Jungmin Cho
I am a young first-time homebuyer in a different province (Ontario) and had only a week to obtain a mortgage. Cristian was able to successfully obtain a mortgage for me in these challenging circumstances. He communicated promptly and effectively with all parties involved (myself, my real estate a...
- Emile T.
I cannot thank you guy enough for working with my wife and I to find the right condo for us. We had tried a couple of years back with some other agents, But all they did was send us listings. After meeting Peter Adamopoulos. Peter had a different approach. He met with us and really asked us ...
Merci pour tout, c'était très agréable de transiger par votre intermédiaire. Vous avez été très efficace et professionnel. Je suis ravi d'avoir pu bénéficier de vos services.
- Gérald Guilmet
This was my first mortgage and I am happy I got Christian Kebabdjian helping me.
Chris was helpful, supportive and a great source of information since day one: financial assessment till the close of the deal.
Always ready to answer my question and come up with even better solution t...
- Garen Jenterejian
I have been working with Cristian Mardari for about 2 month to close a 2 mortgage that was up for renewal with a competitor of his. He was able to close out the old 2. mortgage that was due to be renewed with a significant raise of interest. Then he offered me a new second mortgage, increased th...
- Quellmalz Guenther
Our experience with North East was nothing short of exceptional. Our broker Christian was always willing to answer questions and jump in on short notice to deliver documents and ultimately help us close our property. As first time buyers, he was very helpful and guided us through the process of b...
- Marley Lightfoot
I have been working with Cristian Mardari for about 2 month to close a mortgage that was up for renewal with a competitor of his. He was able to close out the old mortgage that was due to be renewed with a significant raise of interest. Then he offered me a new second mortgage, increased the amo...
- Guenther Quellmalz
Terry was an amazing resource for us on understanding our options for the mortgage for our second home. He provided invaluable advice and the whole process was well explained, transparent and easy.
- Sandrine Campeau-Simeone
If anyone is looking for a mortgage broker, Cristian is your guy! He is not only super friendly but very efficient too. It was our first home and the process was seamless. Thank you Cristian!!
- Lisa Bissett
merci pour l'équipe North East , la chaleur d'accueil au téléphone et spécialement Cristian madari qui a démontré beaucoup de professionnalisme et d'attention. all the best.
- afafe Boudhaih
We had a great experience, working with Christian. He never sugar coated anything and always played out the worst case scenario, setting expectations realistically throughout the whole process. Additionally, he was quick to respond with thorough information.
- Rob Whelan
We want to thank you for your personalized service
You were there every step of the way
- Richard and Diana
I am very happy to have met Christian Kebabdjian as he helped me a lot all along the process to buy my first property. He was very knowledgeable, was always available to my calls, patiently addressed all my questions in detail and assisted me tirelessly to find the best deal. I certainly recommen...
- Diogo Almeida
I would like to thank Christian Kebabdjian for the tireless work he did on getting us our very first mortgage!! Christian was "there" for us all the way. I cannot express how much appreciation, admiration and respect we have for him! I recommend Christian and his whole team at North East!!! 100%
- Helen Bousquet and James Camet
Merci Ricardo pour ton excellent travail! Tu nous a guidé à travers ce monde bien stressant et imprévisible que représente le prêt hypothécaire. J'ai beaucoup appri et je me suis senti supporté tout le long du processus d'achat. Compétent, sympathique et à l'écoute des besoins de ses clients, je...
- Denis, Nicolas
Thank you Ricardo for your professionalism, patience and responsiveness in helping me obtain my first home mortgage! I appreciate you taking the time in answering all my questions. Thank you so much! Great job!
- Francesca C
I want to thank Angela Brilakis for the amazing work at helping us find our dream home.
Angela was always very responsive and patient with all our questions and taking us to visit properties.
Her experience and agility was key for us to solve all the little problems during purchase in...
- Guilherme and Sofia
Cristian Mardari is a great broker, and I'm very happy we got our mortgage with him.
He was very helpful and clear all along the process, helping us get the right information and solve all our problems and questions quickly.
- Guilherme and Sofia
José is an ardent real-estate agent. His slow and steady approach may at first sight scare the anxious buyer, but his infinite patience is a no shortcut technique to helping his customers get the right property. In May 2021, my wife and I were first time home buyers in the hot Montreal real-estat...
Très professionnel dans votre travail. Vous êtes une personne de confiance. On vous remercie pour votre efficacité et votre bon service.
Merci Cristian pour ton excellent service. Ton professionalisme et ta rapidité on fait en sorte de regler notre probleme tres rapidement. Continue ton excellent travail.
- Boulanger Annie
Hi Fred and Olympia, - Bruno
Just wanted to thank you for your tremendous assistance with the purchase of our home in Candiac. Without your help it would’ve been very difficult. We are now settled and very happy in our new home.
Thank you for your hard work and keep rocking!
This company has the best team ever. I am very satisfied with how fast and efficient my mortgage process gone.
- Naglaa Elagamy
I strongly recommend Nord-Est’s services. I have just completed a purchase with the help of Cristian and he proved to be very dependable and available, which are two very important values in the current market where answers are difficult to come by and delays can be very long. Cristian took all t...
- Mark Chalouhi
We would like to thank Athena Baktis, Residential Real Estate Broker, of North East Realties Inc., Real Estate Agency. Athena spent a lot of time listening and had a very honest and straight forward approach. Her communication style was very clear, and all questions or issues were addressed very...
- Singh Family
If it was not for Athena, getting a second and third opinion, this sale would not have gone through. Athena went to bat for her client, as she should, and she got the ball rolling on the way to a timely signing. I dealt with Athena in 2014 when I purchased my condo and now in 2017 for the sale of...
- Theo Caimassidis, CPA, CA, MBA - Kathleen Flynn - Theo Caimassidis
So, it is my pleasure to send this Thank You Card for the wonderful people at North East Mortgages and North East Realties, who were so helpful, personable, giving of their time and knowledge and so pleasant to deal with in order to secure me a loan to purchase my condo, and its subsequent rental...
- Daniel Querin
On est très satisfaisant de service de Stefan Tzonchev de son professionnalisme et son aide régulier pendant tout le processus de l'achat dès le début jusqu'à la fin. Il est très patient, positif et prêt toujours à aider. Il trouve des solutions de toutes les problèmes. On peut bien voir qu'il ai...
- Anna et Kiril