How working with a local mortgage broker gives you a competitive edge.

When it comes to custom lending properties and products, having a local agent isn't just an advantage – it's crucial. The unique nature of these financial solutions often means they're deeply intertwined with local market conditions, specific property valuations, and even community-level regulations right here in Prince Edward County. As your local agent, I possess an intimate understanding of these nuances that national or remote entities simply can't replicate.

The Landscape (Literally & Figuratively)

I know the ins and outs of our local market, the quirks of specific property types in the area, and can navigate the often-complex landscape of custom lending with precision. This local expertise is invaluable for identifying the right product, securing the best terms, and ensuring a smooth, efficient process tailored to your unique needs and the specific characteristics of your custom property. Don't leave your specialized lending to a generic approach; leverage my local expertise for unparalleled advantage.

Level 2 FSRA Licensing

I am a licensed Mortgage Agent Level 2 in Ontario, which means I have advanced qualifications and can access all types of lenders—including major banks, alternative lenders, and private financing options. My Level 2 designation reflects a previous foundation as a level 1 agent, and advanced training regarding private lenders, fraud, and compliance regulations in Ontario.

Limitless Lenders

As a level 2 agent, I offer financing with over 55 A/B lenders and over 30 privates.

• Big Banks

• Monolines

• Credit Unions

• Mortgage Investment Companies and Syndicates

• Private Lenders for specialized or non-traditional financing

This broad network allows me to compare rates, terms, and features across the entire landscape to find the solution best suited to your needs.

Streamlined Preapproval and Application Process

I guide you step-by-step through:

• Document Preparation: Ensuring all ID, income verification, and financial statements are complete.

• Credit and Stress Test Navigation: Minimizing surprises by addressing potential credit issues early and have time to implement strategies to improve credit prior to applying.

• Rate Holds and Conditions: Securing competitive rate holds of up to 120 days (or longer with select lenders) and clearly explaining all conditions for final approval.

My personalized approach expedites approvals, helps avoid common pitfalls, and protects your credit score.

Transparent Communication and Support

My clients benefit from:

• Clear Explanations: Breaking down complex mortgage terms and legislation into straightforward language.

• Regular Updates: Keeping you informed at every stage—from initial inquiry to funding.

• Dedicated Availability: Prioritizing your questions via phone, email, or video call, and coordinating with your lawyer and real estate agent as needed.

This transparent process builds trust and ensures you feel confident making one of life’s biggest financial decisions.

No Hidden Fees

I operate on a no-hidden-fee model.

• Standard Brokerage Commission is paid by the lender, not by you.

• B lender files (like alternative lending options) do have lender fees associated, but on occassion, there are promotions that offer low or no fee options. This type of lending is a tool for borrowers who reasonably need to go to an alt lending product, whether that’s for low credit scores (under about 630) or do not qualify the ‘traditional’ way.

• No Upfront Charges for preapproval consultations or paperwork preparation. In fact, it is against the regulations in place by FSRA for any mortgage professional to charge you for a pre-approval.

This ensures that my incentives are fully aligned with securing you the best mortgage terms rather than additional service fees.

My fees for 99% of the files I fund are paid directly from lenders - the other 1% are those cases of Alt or private lending needs.

Advocacy and Ongoing Relationship

Beyond securing your initial mortgage, I act as your advocate throughout the life of your loan:

• Rate Reviews: Proactively reviewing and renewing your mortgage when your term ends.

• Refinancing Support: Guiding you through refinancing or leveraging home equity for renovations or debt consolidation.

• Market Updates: Alerting you to rate changes, new lending programs, or government incentives relevant to homeowners in Ontario.

My goal is to establish a long-term relationship, ensuring your mortgage evolves with your financial needs.