Denzins Financial

What Not to Do Before Your Mortgage Funds

Our top list of things to keep in mind before your mortgage is funded…

þ Don’t quit your current job

þ Don’t open a “don’t pay for a year” account

þ Don’t do anything to reduce your income

þ Don’t change the status of your employment from full time to part time

þ Don’t neglect to disclose if you are on probation at work

þ Don’t forget to tell us if you are currently on maternity or parental leave

or will be in the near future

þ Don’t forget to disclose if you are currently on short or long term disability

þ Don’t apply for new credit or loans

þ Don’t close accounts that have zero balances

þ Don’t co-sign a loan or mortgage for anyone else

þ Don’t stop paying your bills (including your current mortgage)

þ Don’t spend any of your down payment or money set aside for closing

costs on anything else

þ Don’t pack away documents that may be required to verify income or down payment

þ Don’t make large deposits to your bank account without supporting documentation

þ Don’t change anything on your transaction without notifying your Realtor

and Mortgage Broker

þ Most Importantly – keep us informed of anything that may affect your

real estate transaction

Our Team

	Rainer Denzin - Rainer brings a history of over 30 years of excellent customer satisfaction to the Mortgage business. He was Vice President of Marketing and Sales for a major communications corporation with International experience. He also has an entrepreneurial background of his own Toronto business, where the client was always first, resulting in 83% repeat and referral business. Rainer’s focus is finding the right product for his clients in a timely and productive fashion. Rainer’s sales and financial experience is the true meaning of “customer first satisfaction”. Call Rainer: 902-880-2049 Email: rainer@denzins.com Apply online
	Barry Coleman - Barry brings with him 30 years in the banking industry as a lender as well as a regulator. He also has a number of years of entrepreneurial background as a small business consultant. This vocational history ensures Barry understands what clients want and need as far as quality service is concerned. His motto for consulting was… “When you succeed...we succeed”. This confirms that his commitment to service is paramount. Barry believes consulting is the same as brokering mortgages…”you must know your clients business inside and out to ensure the most successful outcome”. Call Barry: 902-880-5030 Email: barry@denzins.com Apply online Check out Barry's Book - The Business Toolbox - Everything the Textbooks Don't Tell You.
	Judith Mitchell – Judith is a business professional bringing Administration expertise to the Denzins team. She has a strong accounting and municipal services background with a sincere focus on client satisfaction. Her attention to details provides the right fit for the mortgage business. Judith will ensure that the clients mortgages are handled without delay and completed in a competent and efficient manner. Call Judith: 1-888-627-0666 Email: judith@denzins.com Apply online
Careers	Career Opportunities We at Denzin’s Financial are one of the fastest growing Mortgage Brokerage firms in the Maritimes and we are looking for exciting candidates to join our team. Are you enthusiastic, approachable, empathetic, sincere and accountable? Are you a self motivated entrepreneurial type individual looking for a career in a fast growing Mortgage Brokerage Company? Are you looking for a company that provides a teamwork environment in training, leadership, support and management in helping you grow your business? Are you motivated by financial rewards and would like to earn an above average income? Send Resume To: info@denzins.com Attention: Rainer Denzin

Denzin's Financial

toll free: 1.888.627.0666

cell: 902.880.2049

fax: 902.228.2975

email: info@denzins.com

SOUTH SHORE – HALIFAX/HRM – ANNAPOLIS VALLEY

ATLANTIC CANADA - CANADA

Denzins Financial Corporate: 252 New Harbour Rd., Blandford, NS