I am able to assist with:
-Home Purchases

-Mortgage Renewals

-Mortgage Refinancing

-Investment Property Purchase & Refinancing

-Vehicle Refinancing

-New Construction Mortgages, including progress draw mortgages

Getting started is simple. Reach out through our contact form to schedule a call—I’ll walk you through the next steps and answer any questions along the way. If w’ve already chatted and you’re ready to start an application, click “Apply Now” to send me your mortgage application.

I have the experience level of a top producing Mortgage Broker, with the time to help you. When you work with @fortheloveofmortgages, I handle everything from start to finish. No assistants here!

You have my direct e-mail address and phone number, where you can reach out to me anytime! When was the last time your bank took your call at 9pm, or answered an e-mail on a Sunday?

Now, I do try to protect my family time during evenings, weekends and holidays, but I’ll never leave you waiting on me if something is urgent.

Interest rates are not one size fits all. Both fixed and variable rates vary from lender to lender and depend on factors like:

Amount of down payment, whether your mortgage is default insured (think CMHC), whether you’re going to be living in the property or renting it out, your credit history. Long story short, there are a lot of reasons why your interest rate options might be different than you’re neighbours.

The best way for me to let you know which rate options are available to you, is for me to review a mortgage application from you along with all relevant documentation.

99.5% of the time, you don’t! In the majority of cases, the lender (aka the bank) pays me a commission for placing your new mortgage with them, so I am paid by the lender when your new mortgage funds.

The only time I would not be paid by the lender, would be when I’m placing you with a private mortgage lender. Private mortgages are not a big part of my business, but rest assured that I will let you know about any potential fees before placing you with that lender.

Its hilarious LOL.

In all seriousness, this is the process you can expect me to follow:

• Initial call (aka the Discovery Call)

• E-mail request to sign client engagement documents and fill out my mortgage application. I also give you a list of all of the documents that “l’ll need in this e-mail. I generally do not start working on your application until I have everything from you, to ensure that I’m working with accurate information.

• Options e-mail & call: after I have everything from you, I will review your application and send you an e-mail with the best potential rate/term/lender options for your needs. We can also have another call at this point to go over any questions.

• Submit to lender for approval

• Mortgage Package Signing: once I have an approval back from the lender, I will organize the documents for you to sign and send you the package through my e-signing platform. I also record a personalized video of me explaining all of the documents to you. My customers love these videos - they can listen whenever they have time, rewind and listen again - I love it too!

• Final lender sign off: Once the lender has reviewed all of your documents, they will sign off on them. This would be where you would remove your financing condition if you’re purchasing a home.

• Final signing: Once the lender has signed off on everything, they will send your “mortgage instruction package” to either your lawyer, or to a company called First Canadian Title for your final signing appointment

• Funding
  

FCT is short for First Canadian Title. They are one of Canada’s largest title insurance companies. We use FCT most often when transferring or refinancing your mortgage, often in place of a lawyer. Their services is very cost effective, and they’re able to handle debt payouts, document signing, and transfer of title between lenders, much like a lawyer would.

You can also purchase a homeowners title insurance policy when buying a property, to protect yourself against things like undisclosed liens, fraud, or survey/RPR errors.