COVER STORY SHUBHA CHAUDHURY

Photography - Robin Kanozia Hair and makeup - shimmer by kiran - Kiran Verma, Decor - East wedding Decor - Raj Verma , outfit - Elations Designers View - Parminder Grewal

SHUBHA CHAUDHURY

Time and again, it has been observed that people move from small towns to big cities to fulfill their dreams, with nothing more than their talent in hand. These places often have promises of providing essential elements that convert their dream into reality, and ultimately lead a better life. But do not think for a minute that these dreams are as small as their respective towns are said to be. Realizing that they need better resources, and a sustainable environment, to make sure that they can share their dreams with the world.

SHUBHA CHAUDHURY IS AN EXAMPLE OF HOW AMBITION AND THE WILL TO NEVER GIVE UP ARE HALLMARKS FOR SUCCEEDING IN LIFE, NO MATTER WHAT YOUR CIRCUMSTANCES AND GENDER MIGHT BE.

Born and raised in Rohtak, Haryana (India), she has proved that no boundaries can stop you if you aspire to dream big and turn it into reality. Currently, a Licensed Mortgage Professional with Mortgage Architects – A Better Way. Her motto is “The world is full of distractions, so you need to set the right goals and work hard to achieve them. No one can stop you just because you are from a small town. Just throw yourself in the direction of your dreams, and then work hard, work hard and work hard! Believe me, it works”

She has completed a Masters degree in Computer Applications from India, and started her career as a Computer Teacher. From a young age, her dream was to become a teacher, and she was able to make this goal a reality. She always excelled in math and accounting, and studied at one of the best institutes in India for accounting and financial software.

Shubha Chaudhury, has been in the finance industry for more than 15 years. She has thrived in this constant changing industry, and is able to come up with solutions to make her client’s lives easier. She had a rough start trying to build a consistent client base, and combating the myth of ‘clients only go to a mortgage broker when they have been declined by the banks and that mortgage brokers always charge fees for their services’. She embraces this challenge and takes it upon herself

to educate clients about the mortgage industry. As a Licensed Mortgage Professional, she can offer her clients over 50 of Canada’s leading lenders to choose from and with competitive mortgage rates and services. These lenders include major Banks, Credit Unions, Trusts and other national and regional lenders

Shubha believes in building trust and family relations with all of her clients, because she knows that the mortgage industry is based on referrals. This is not a one-time deal and that’s the reason she always get repetitive business

“I’m always honest with my clients,” continued Shubha. “You give your clients the best. When a client comes to me, I try to understand their needs, and my first step is to evaluate their entire credit history and then try to figure out which lender and product suits their needs.

Each client has a unique financial and life situation. There has to be a commitment in getting it right for every client. My purpose is not just to give options, but I educate my clients. They are involved in each step of the loan process, and I ensure, they are aware about their rights and choices while I’m working to get them right mortgage.”

She often gets many questions about how the new government regulations are making it difficult for main stream clients to get a mortgage. Shubha explains that if a client does not have proven income, or has poor credit, they may be eligible for alternative lending. The majority of homeowners are blissfully unaware of alternative mortgages. Basically, alternative lenders are looking for deals that make sense, but don’t fit the traditional guidelines. I have a lot of clients who are self-employed, and sometimes running your own business means your income is reported differently due to more expenses and deductions. This could mean clients are showing income that does not reflect the full potential of their business, but they have the capacity to make their payment. The lenders who have these alternative programs, have found a niche in this market and provide excellent opportunities for clients who may have been turned away from traditional lenders.

MISSION STATEMENT FROM SHUBHA:

I’LL BE THE SOURCE OF UP-TO-DATE MORTGAGE INDUSTRY INFORMATION AND MAINTAIN TRUSTWORTHY AND CONFIDENTIAL RELATIONSHIPS WITH MY CLIENTS, BUSINESS PARTNERS, TEAM MEMBERS AND COMMUNITY.

Keeping it simple so that client understands the entire process as I work toward a quick approval Earning client’s trust and providing the best solutions, even if client has been told that your situation is impossible

Integrity, Compassion, Quality, Dedication and Efficiency are my values as a Licensed Mortgage Professional. My vision is to be the best mortgage broker in our community by being the go-to service provider for clients’ financial needs. I want to be at the top of mind for my clients and referral partners, when they think about their mortgage financing needs. My biggest reward is to see smiles on the faces of my clients when they get the key to their dream home; and that’s the reason my company’s name is also Keyways Mortgage (Key of Your Dream Home/Business). I show the way to get the keys to your dream home.

Shubha Chaudhury is also very active in her community. She is a member of the Vedic Hindu Cultural Society, Surrey. She does food drives with Surrey food banks, and is involved with various homeless shelters, orphan homes, as well as BC Children’s Hospital, and Jan Seva Sansdhan NGO in India. Happy Diwali everyone -Shubha