Top Mortgage Services in Vancouver

Pre Approval

Not only can it be a waste of time look at homes that aren’t in your price range, it can also be disappointing and heart-breaking. Before you even begin shopping, I use your information to determine the payments you can comfortably afford. This allows you to have a budget in mind before ever stepping over the threshold of each home you view.You can confidently make an offer when you find the right property knowing the price fits within your budget.

First Time Home Buyer

Taking on something as big as a first-time real estate purchase is nerve racking. I’ve been there and I know how much information is involved in the process along with all of the forms, terminology and individuals who play a part. Because I’ve gone through it myself, I will walk you through every step and ensure you have all the information you need to make the most informed, aligned decision possible. From understanding the concept of high-ratio mortgages to choosing a payment frequency, I’ll ensure you have the details you want.

New To Canada

Many people who have recently made Canada their home dream of purchasing property here. It can definitely be more complex for those who have immigrated to the country, but I have seen the joy when it becomes a reality. If part of your life in Canada includes home ownership, I would love to help make that happen.

Construction Loan

Construction loans are a very specific product for a property that is undergoing development of some sort. Some lenders shy away from these projects. I know and have experience with the lenders who actively look for construction projects to fund. The excitement for everyone involved is that each construction project and each construction loan is treated individually because they are all different. Let me help you find a lender as excited about your project as you are.

Self-Employed

Mortgages have always been harder for the self-employed. However, because I’ve worked with many business owners over the years, I’ve learned that there are great options that are easier and fair for everyone. There is usually more information required by a self-employed individual, but it opens up the opportunities for a better fit.

Credit Line Setup

If you have equity in your home (the value of the property is greater than what you owe), you may be able to access it for other needs. Some people want to do renovations, fund a loved-one’s education or buy an RV. Setting up a credit line using the equity gives you access to the money you’ve already got invested in your home.

Debt Consolidation

The economy is challenging for Canadians and there can be a time when the debt you’re carrying feels overwhelming. Often, merging payments like car, credit card and mortgage, into one larger mortgage payment allows you to get out from under the pressure of debt. You may end up with lower overall payments and pay the debts down faster.

Private Funds

Some investors have their own money available to invest in mortgages because they are often considered a good investment. Alternatively, you may know someone who wants to help out by providing you a private mortgage. In these cases where the lender is not a financial institution, I can help arrange the paperwork and outline the process to completing a private mortgage.

Refinance An Existing Mortgage

Refinancing can be a great opportunity to take advantage of significantly reduced rates, to change lenders or change your mortgage to a new product. No longer should a borrower feel tied to one lender. You have a right to consider all of your options as your life and needs change. If you think your situation could be improved with a change to your mortgage, let’s talk to determine the best solution.

No Income Qualification Program

Showing income isn’t the only way to prove mortgage suitability. It can be difficult for those who are business owners or have been out of the job market for a while to prove their ability to afford a mortgage. Some lenders understand this and have no-income qualification programs. I work with the lenders to determine what their information needs are, communicate this with you and help you collect what’s needed to create an application that isn’t based on income.

Residential 1st & 2nd Mortgage

Buying a home, selling, moving. Life is filled with uncertainty and it’s hard to say exactly what will happen three or five years from now. I am fortunate to have many clients who have worked with me on several home purchases over the years. Others may find that they need to take out a second mortgage on their home because of special circumstances. No matter what stage you’re at in the home-ownership cycle, I’m here to assist with explanations and satisfying your mortgage needs.

Why People Trust Our Company

As an independent mortgage broker, I am able to provide a wide range of products through a diverse group of lenders. No matter which situation you are facing, I’ve helped others find the right mortgage, so I have the experience to help you too.

OUR SERVICES

We Provide Professional Consulting Services.

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