Purchasing a home is often one of the biggest financial transactions in a persons life. Whether you have 5% or 50% for a down payment, my advice will leave you with the most long-term wealth. Period.
Let me show you how your current mortgage stacks-up to what’s available on the market BEFORE it’s time to renew. Lenders usually do not give you the best offer unless you’re working with a broker who knows what their lowest offers are. It could be the most valuable 15 minutes you’ve ever earned.
Helping to consolidate deb or access your home’s equity can do wonders for your well being and your portfolio. Stop the stress and let me try and get you back in the black. My 3-step system will work hard for years to come.
The need for a truly holistic financial plan has never been greater, and that is why we go beyond just real estate or the stock markets. Our Total Wealth Mortgage Plan integrates a long-term debt management strategy into your existing financial plan to help you stay on track to reach your financial goals.
My mission is to be the mortgage planner to help you manage the largest indebtedness of your lives. My commitment to you is that I will deliver an exceptional experience that requires the least amount of disruption to your lives. My service to you continues long after the loan funds and I proactively monitor the market to make sure you are always on track to meet your financial goals. My unwavering dedication to integrity, honesty and ethics is the foundation of all my relationships.
Frequently Asked Questions
What is a Mortgage Broker?
A mortgage broker is a trained professional that will help you find and get the best mortgage product for your unique situation. They have access to many different lenders from big banks, credit unions, and specialty lenders who offer a variety of loans. Your broker will search the market on your behalf, searching for the best product to suit your needs. (Think of a personal financial shopper who finds you the best deal for your needs.)
What's the difference between a bank and a broker?
While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada’s largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.
Whether you’re purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it’s important that you are making an educated buying decision with professional unbiased advice.
How much does your services cost?
My services are free for 99% of clients as I get paid directly by lenders for finding qualified home buyers.
For the 1% of people where a fee is charged, it is only when the most challenging credit solutions are required, and it’s especially under those circumstances that a mortgage professional can do for you what nobody else can.
What is a Pre-Approval?
Despite what many lenders will tell you, a pre-approval is nothing more than a rate guarantee from a lender for a specified period of time (usually up to 120 days) and for a set amount of money. Because every final approval is subject to several conditions, one of which is the subject property you are looking to buy, a lender cannot give you 100% certainty of an approval until all the documents have been reviewed AND your property has been selected.
Anyone who tells you otherwise is not being completely honest with you.
What do clients need to do?
There are only 3 things I need from every client in order for me to provide them the absolute best experience.
- Complete honesty and transparency. If you don’t give me the whole picture, I cannot give you the best diagnosis.
- Please respond promptly to every request. This is vital to close on time.
- Let me know if something can be improved. I am always looking for ways to improve.
You can reach me by email, or phone/text at 204-296-5722. I will always answer my phone unless I am already on the line or currently working with a client. If you would like to specify the best specific time for me to call you, please click here to schedule a call at a time that is convenient, or if you prefer, you can email me using the form.