Completing the Online Mortgage Application is really the first step! This will help us know what you can qualify to borrow, and when we review it together, it will really help you understand what you can afford. We will help you choose the right mortgage and term that fits your needs. Not just what works for the bank!
We will also help you navigate the choices out there to get you the best mortgage and rate for you! Provide the needed documentation to complete the mortgage application process via our Secure Online Portal. We will carefully go through everything to make sure it is exactly what is required!
We will also help you navigate the choices out there to get you the best mortgage and rate for you! Provide the needed documentation to complete the mortgage application process via our Secure Online Portal. We will carefully go through everything to make sure it is exactly what is required!
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About Us
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As a Mortgage Broker licensed by The Real Estate Council of Alberta, we are independent mortgage specialists and help hundreds of clients each year with their mortgage financing. We access funds from many banks, mortgage companies, trust companies and private lenders. We want to assist all Alberta residents in getting the best rates and the best mortgages in the country.
First Time Home Buyers
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If you're like most first time home buyers, you've probably looked around at all the people you know who are buying houses and wondered, how the heck did they even get started? Saving for your first home, pinning down which step to take first, and navigating all the legal jargon may seem impossible, but Your Trusted Calgary Mortgage Broker is here to help!
Mortgages for the Self Employed
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Each year more and more Canadians become self-employed. Many are shop-owners, landscapers, or construction contractors. However, in Alberta, many are simply contractors to larger companies like large Oil or Telecommunications companies, similar to typical T4 employees. Except for how taxes are prepared it seems almost the same thing!
Mortgage Refinancing and Equity Take-Outs
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Switching from an adjustable-rate mortgage (ARM) to a fixed rate mortgage (or vice versa). Same amortization, lower payment! Reducing your interest rate saves you money and builds the equity in your home even quicker. For example a 5% rate on a 25-year amortization has a payment of $581.60 per $100,000.
Mortgage Renewals & Transfers
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The full length of your mortgage (amortization) is broken up into smaller time periods called terms. Near the end of your mortgage term your lender will send you a notice that it is time to renew your mortgage and sign on to a new term. You'll agree to the length of the term, your payment frequency, your interest rate, and any fees or charges that apply.
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