Kam Brar - Your Top Vancouver Mortgage Broker...Who is Kam Brar?
In my opinion, it's very important to take a close look at those who you entrust with the role of helping with your major financial decisions - such as the specifics of your mortgage. (I know I would!)
That's why I felt this section of the website was important - so you can at least have a "snapshot" of who I am, my experience, and how I've been able to help people in the past.
So, strange as it sounds when I'm writing this... here's the "Reader's Digest" version of who I am, my career history and the things I feel are most important...
My Take on the Purpose of a Mortgage:
First, let's start with what's likely most-relevant to the reason why you're on this website. I don't look at a mortgage simply as "debt" - it's much more than that. Rather, I view a mortgage as a very big piece of the overall financial puzzle.
I believe that there's a big difference between a "good" mortgage and a "bad" one, and it doesn't always come down to rate. That's certainly a part of it, but just as important are your long-term financial goals, which are directly effected by the terms and duration of your mortgage.
I also believe that ideally (or at least eventually) your mortgage should be working for you - and not the other way around.
In the short-term, my goal is to maximize your mortgage while minimizing your payments by showing you innovative & creative strategies, working with a range of lenders (big & small), and most-importantly, sticking to the fundamentals of solid money-management.
But ultimately, my goal is to get you mortgage-free as soon as possible. And in this light, the purpose of a mortgage is ultimately a vehicle for increasing your equity, and your net worth.
Before I became a mortgage broker, I was involved in the automotive industry as a finance manager for 10 years, during which time I lived in both the Okanagan, and later, Victoria.
During my decade as a finance manager, and after helping literally thousands of people purchase a vehicle, I pretty much saw it all - great credit, bad credt, "less than zero" credit, and a whole host of other situations one can only classify as "interesting".
I quickly became adept at seeing viable alternatives and creative solutions around a problem when obstacles came up, getting the deal done in spite of what initially looked like a fat chance. It wasn't always possible, but more often than not, I found that creativity was a often-overlooked solution in the financial side of the car business.
But through it all, one thing was always apparent. People just want honesty, and to be treated with integrity & respect. At the end of the day, that's really all that matters. The "deal" - whatever it may be - is secondary to the core baseline of what I consider a successful business (one that's based on honesty and respect).
Prior to working in the automotive industry, I was a realtor in the Okanagan - with a bird's eye view of the home-buying process from every possible angle. From young, first-time home-buyers to seasoned investors with a myriad of properties, I worked alongside all types.
Once again, this was a training ground for "the art of the deal" - and I quickly learned that creativity and looking past those alleged "roadblocks" to a deal were the key to success (much to the appreciation of my clients).
And prior to my real estate experience, I was actually a small business owner - I owned and operated and eventually sold a janitorial business and a roofing company (both in Vancouver).
The stress of managing a business (the ever-fluctuating finances, payroll, keeping clients happy, employees - the list goes on...) is certainly something I know well. But once again, the most important key to success in these endeavors was maintaining integrity - even when it "hurt".
In the long run, it paid huge dividends.
One of which, incidentally, is the personal experience of intrinsically understanding the unique needs and challenges that the self-employed demographic faces in the mortgage environment. As both a mortgage broker and someone who's "been there" when it comes to running a small business, I can actually see the big picture (unlike the bank) when it comes to getting the deal done.
Well folks - that about sums up the 29+ years of my "work life" up until now.
Now, let's talk about what's truly important: Family.
I'm an ardent believer that our families are also an important and vital component to our overall success, and in my own case, it's certainly not any different. I have an absolutely wonderful and amazing wife, Michelle. She is truly the glue that holds and keeps everything together and keeps our entire family operating seamlessly.
In 2011, it will be 19 fantastic years together. I also have two delightful and energetic children, Selena who is 11 and Shaan who is 8. If there's one thing that they both have taught me over the last few years, it's that you need to have fun and laugh and never take yourself too seriously! Lessons that I believe we could all benefit from time to time.
Well there you have it, a little bit about me.
Again, my ultimate goal is for you to make the most of your financial situation - and make your mortgage work for you, and not the other way around.
And I'd love to see if I could help with your situation - regardless of your "financial history", or any other challenges.
Chances are - a little creativity might be all it takes.
So if you'd like to get in touch, I'd be delighted to hear from you, and see how I can help.
You can email me here, call me at 1-877-686-4246, or submit a Quick-Quote request below...
Thanks - and talk soon!
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