Kal-Mor Mortgages & Investments

Business Details

34 Years

experience

Trusted Mortgage Brokers in Vernon, BC

Founded in 1992, Kal-Mor Mortgages & Investments has established itself as a trusted leader in mortgage brokerage and investment services across Vernon and the Okanagan region. With over 35 years of experience, our team prioritizes personalized service, leveraging a vast network of lenders to secure competitive rates and tailored financing solutions. We specialize in residential mortgages, commercial lending, and high-return investment opportunities, guided by a commitment to transparency, client education, and long-term financial success.

Our founder, Peter Pogue, built the company on principles of integrity and client-centric service, ensuring every customer receives dedicated support from application to closing. Recognized by industry associations like the Canadian Association of Accredited Mortgage Professionals, we combine local expertise with innovative strategies to address diverse financial needs. Whether you're a first-time homebuyer, business owner, or investor, our goal is to simplify complex financial processes while delivering exceptional value and reliability.

Services

Residential Mortgages Commercial Financing Investment Programs Private Mortgages Pre-Approvals Re-Financing First-Time Homebuyers Rental Properties Unconventional Mortgages Bad Credit Mortgages

Details

Year established: 1992

Highlights and features

35+ years of local mortgage expertise in Vernon and the Okanagan
Personalized service prioritizing client needs and financial goals
Access to over 40 lenders for competitive mortgage rates
Dedicated support available evenings and weekends for busy clients
Specialized solutions for unconventional mortgages and bad credit scenarios

Associations and certifications

Canadian Association of Accredited Mortgage Professionals
Mortgage Brokers Association of BC
Okanagan Mortgage Lenders Association

What people say

Trusted with all our mortgages Puts needs first Found solutions for unique circumstances Best mortgage broker Helped with bad credit

Website

Update Listing

Services

Residential Mortgages

We provide comprehensive residential mortgage solutions for first-time buyers, second homes, and rental properties. Our team secures competitive rates from over 40 lenders while offering personalized guidance through pre-approval, re-financing, and closing processes. With expertise in unconventional scenarios, we help clients with bad credit or self-employment achieve homeownership through tailored financing options.

Commercial Financing

Our commercial lending services support business growth through working capital, asset finance, and bridging loans. We connect entrepreneurs with lenders offering flexible terms for expansion, cash flow management, and investment opportunities. Our team provides dedicated support throughout the application process, ensuring solutions align with business goals and financial capabilities.

Investment Programs

The Lone Lender program offers secure investment opportunities in single-family homes with 8-12% annual returns. Investors receive monthly payments through post-dated cheques while avoiding property management responsibilities. We facilitate connections between investors and borrowers, ensuring transparent transactions through legal oversight and professional brokerage services.

Private Mortgages

We specialize in private mortgage solutions for clients who don't qualify through traditional banks. Our network of private lenders offers flexible terms for property purchases, re-financing, and equity loans. We guide clients through the process while ensuring transparent agreements that meet both borrower and lender requirements.

Pre-Approvals

Our pre-approval process helps clients understand their budget before house hunting. We assess financial situations and connect applicants with lenders offering competitive rates. This streamlined service provides confidence during home searches while expediting the final mortgage application process.

People

Peter Pogue

President & Founder

With over 35 years of experience, Peter Pogue founded Kal-Mor Mortgages in 1992 to provide Vernon residents personalized mortgage solutions. Recognized for his client-first approach, he specializes in connecting clients with lenders across 40+ institutions while maintaining hands-on involvement in complex cases.

Questions

What mortgage options are available for first-time homebuyers?

We offer tailored programs with competitive rates, pre-approvals, and guidance through the entire process for first-time buyers.

Can I get a mortgage with bad credit?

Yes, we specialize in unconventional mortgages and work with lenders to help clients rebuild credit and secure favorable terms.

What commercial financing solutions do you provide?

We offer working capital, asset finance, and bridging loans to support business growth and investment opportunities.

How do your investment programs work?

Our Lone Lender program connects investors with single-family home loans, offering 8-12% returns through secure monthly payments.

Are your services available outside Vernon?

Yes, we serve clients throughout British Columbia with remote consultations and flexible service options.

What sets Kal-Mor apart from other mortgage brokers?

Our 35+ years of local experience, personalized approach, and access to 40+ lenders ensure customized solutions for every client.

Reviews (6)

Write a Review

Carrie Dawn Schultz

Jan 02, 2022 Report

Peter Pogue is an exceptional mortgage broker. He kept us advised every step of the mortgage process and handled everything thoroughly and efficiently. From beginning to end, we recieved excellent service. He found the right financing plan to meet our needs . We have known Peter for 20years and we recommend him and his company to anyone.

Owoola Adedigold

Oct 11, 2021 Report

I saw so many people talking about a lady called Mrs Brenda and i kept wondering if she is really an expert trader like they say and not a scammer like the others, then i contacted her and i was shocked and amazed that with just $1000 i invested, Brenda helped me managed my account and after 7 days of trading, i made my first withdrawal of $12,900. I’m so happy sharing this testimony with you all, you can contact her via WhatsApp or email and make good profit WhatsApp: +1 (805) 491-5639 Email: brendawilliam784@gmail.com.

Mike Howe

May 02, 2021 Report

Peter has gone above and beyond to help me through the process of buying my house. I would recommend him to anyone who is looking to purchase or sell a home. I had a lot of extra needs that needed to be met and had no problem achieving these for me I would definitely recommend him going forward.

Tom Houghton

Mar 14, 2021 Report

Peter is awesome! My family and I were searching for our first home and went through a nightmare of an experience with another broker in town before connecting with Peter. He turned what seemed like a hopeless situation into us finally achieving our long term goal of owning our own home! He was quick to respond and always available, down to earth and made us feel at ease through the stressful times. I can't say enough about how great Peter was and how hard he worked to make things happen for us. Thank you again for everything Peter!! We look forward to working with you again in the future :)

Tanya Leigh

Jan 05, 2021 Report

Peter helped us through the process of buying our first home and took the time to answer any and all questions. Highly appreciated his availability and excellent communication.

Mysti Davina

Aug 24, 2020 Report

Positive:Quality
Peter was great to work with, when TD bank failed me I turned to Peter and he found me a lender that approved my mortgage in a few days. Peter made getting a mortgage easy, wished I had used him in the beginning!