You should never pay any upfront fees with any agent or broker. In most situations clients don’t pay fees. For clients with lower credit scores, some lenders may require a fee that is proportional to your mortgage amount.

Depending on the lender, I can lock in your rate for up to 120 days regardless of whether rates go up. You will still be able to take advantage of lower rates if they become available.

I’m a mobile mortgage advisor. That means I’m not tied down to a particular lender. I work for you. My job is to find you the right mortgage with the lowest available rate. I will meet you at a location convenient for you. Seven days a week. Mornings, afternoons, evenings, or weekends.

No. You can also apply over the phone – any day of the week. I can also meet you at a location that is convenient for you, seven days a week.

No. There is no cancellation fee. Just let me know and I will cancel your mortgage application. No hard feelings – really.

Maybe you found a better rate. Or maybe something happened in your life and your plans have changed. I get it. And don’t worry – you can still ask me questions even if you cancel your application.

Yes. I don’t judge. There are many reasons why clients may have poor credit. My job is to help you get approved with the lowest rate possible for your credit strength.

I want the best image for the mortgage broker industry. So I prefer you take free advice and keep looking rather than feel trapped. When agents and brokers choose to provide wrong information, it hurts the entire industry.

A minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1,000,000 the minimum down payment is 5% on the first $500,000 and 10% on the balance.

If your down payment amount is less than 20% of the purchase price of your home, you will need to pay for mortgage default insurance. You can learn more about mortgage default insurance by visiting cmhc-schl.gc.ca or genworth.ca.

That depends. Applying with different lenders in a short period of time results in multiple inquiries on your credit report which can have a negative impact on your credit score.

However, when you apply through a broker there is only one credit check. With your one easy application here, you gain access to over 35 lenders with just one credit check. This saves you time and ensures you are getting the most competitive rate, with minimal impact on your credit score.

What I offer is convenience and flexibility. With one easy application you gain access to over 35 lenders. This saves you time shopping around and ensures you are getting the most competitive rates. In many cases the rates you find with a broker are better than bank rates. And you still keep your existing banking.

I am available by phone, text, or email seven days a week. I help with numerous types of income including self-employed, rental, and investment income. I can also help with bruised credit scores where approvals through banks are not possible.

If you find a better rate – let me know. I will follow up with my lenders to review any competitive offers.

That’s ok. The more you ask – the more you know. Call, text, or email 7 days a week. I respond to all inquiries within 24 hours, and typically within a few hours.