About Chris Shortt | Mortgage Broker, Nanaimo

01Before this

Fifteen years in automotive service.

High stakes service operations. Complex technical diagnostics. And every day of it spent between customers, staff and suppliers who all needed the same thing to happen at the same time.

A customer who does not understand the technical detail and should not have to. Three or four other people who all need to be somewhere. A deadline nobody is moving. Somebody has to sit in the middle of that and make sure nothing drops.

What I got good at was navigating the difficult ones and keeping everybody aligned under pressure.

02Why I moved

Then I went through it myself.

I have bought property a few times, and worked with several different mortgage brokers along the way. The gap between them was not small.

With one, I always knew where things stood. With others, I did not hear anything for a week, then found out about a problem days before closing that somebody had known about for a while. I would ask a question, not really follow the answer, and feel too stupid to ask again.

Same transaction. Same paperwork. Completely different experience, and it came down entirely to how the person ran it.

That is what made this a career worth moving into rather than just a job. I already knew how to run something complicated on a deadline. What I wanted was to do it to a standard I had mostly not been given myself.

03The promise

What you can expect from me.

You hear about a problem the day I doNot once I have a solution. Not the week before closing.

I explain the trade-off, not just the optionEvery choice here costs you something somewhere. You should know what.

I answer after the approvalThe time after approval is often when you have the most questions.

I tell you when the answer is noIncluding when the answer is that you should wait six months and save.

I do not guess in front of youIf I am not certain, I will say so and go and find out.

I treat the file like a puzzleLook at the moving parts, work out the mechanics, build a path forward.

See how a file actually runs

04The support

The team behind the file.

That is the same philosophy I bring to mortgage brokering, which is exactly why I have got the team behind me at BRX Mortgage.

BRX runs an underwriting coaching and compliance review on my files before they go to a lender. Somebody who has seen thousands of these looks at mine and tells me what is missing. You get the benefit of that without paying for it.

One rule I do not break: I would rather tell you I need to go and check something than guess in front of you.

05For partners

For realtors and referral partners.

If you send me a client, you are handing me a relationship you built. I treat it that way.

My goal is to be the person you hand the difficult one to. The self-employed buyer, the acreage with a well, the file that has already been turned down somewhere else.

You always know where the file is Clear, direct communication from day one, with no chasing required on your side. If a subject removal date is at risk, you hear it from me early enough to do something about it.

I dig into the ones that are not straightforward Every file has moving parts. On the awkward ones I go through the mechanics and engineer a path, rather than declining it and handing your client a problem.

Have a coffee about it

06The details

The details.

NameChris Shortt

Registered nameChristopher Richard Joseph Shortt

TitleMortgage Broker

BrokerageBRX Mortgage Inc.

Brokerage registrationBCFSA X301291

LicenceBCFSA MB612777

Licensed inBritish Columbia

Based inNanaimo, working across Central Vancouver Island

Before this15 years in automotive service operations

Fifteen minutes and you will know where you stand.

Nothing to fill in first, and no credit check to book. Bring whatever questions you have got.

Book 15 minutes or text 250 802 5979

Mortgages

More

Brokerage

I spent 15 years making complicated jobs run on time.