When a client connects with me to apply for a mortgage, it isn’t an interview, it’s a get-together.
No matter what your background is or where you are in your personal life journey, I am able to sit down and help solve any problems that might arise in applying for your mortgage loan or in refinancing situations.
I get just as excited for my clients when they get approved for a mortgage. I truly enjoy the interaction with my clients. I don’t hide behind a computer when I’m working with you.
You could get mortgage approval in under a day*
It really is a quick process. You are going to leave with hope, as your aspirations are possible and I get to help you find a path. In some cases, I am sitting down with customers who may not be ready to enter the market just yet and in these cases I provide valuable solutions so they can get reach their goal.
* It actually can even be faster depending on the situation. Each client is unique but we will do everything to get your mortgage approved as fast as possible.
I don’t make assumptions.
I listen and find out what is important to you, as it can have a big impact on getting the right mortgage plan. I like to provide clients with more value - this can mean spending more time, providing more information, and asking the right questions.
20 years of banking experience.
Before I was a mortgage broker - and even before I was a home owner - I got into banking. The foundational knowledge and seasoned experience I still draw on everyday for my clients. Protecting debt, understanding “cash is king”, building wealth from properties.
Mortgages are hard, and you need an expert on your side.
Mortgages are constantly changing. I am connected and have great partnerships with lenders. There are many times I can get a mortgage done where other brokers couldn't. As a mortgage broker, I keep the deal on the table and the process going.
I strive to be a model of excellence in my profession.
Paragon Mortgage Inc., is one of the Largest Brokerages in Western Canada. Why is that important? This means due to our size we receive special rate promotions and programs that we pass along to you the customer. Paragon Mortgage Inc. has the respect and reputation with our lender partners to provide you, our customer with top-level service and products.
Access to preferential rates
When you choose me as your mortgage broker, you will be able to access rates that aren’t regularly available.
Quick approvals through our lending partners
With over 40 lenders, there are many choices available. Depending on income type, credit score and other variables it means we are able to find a lender for you.
Frequently Asked Questions
Why Choose a Mortgage Broker?
Your Mortgage is one of your biggest financial obligations you will make. You want to make sure that you choose someone who knows all about the industry to help you through what can be a very overwhelming process. A Mortgage Advisor will ensure this process is stress free and a positive experience.
I am available outside normal banking hours to fit in with your schedule. Allow me the pleasure to put my guidance and expertise to work for you!
Bank or A Mortgage Broker?
This question comes up often. Using my services as your Mortgage Broker means you will get independent advice on your options. I work for you and not a Bank or Mortgage company. There is no cost to my services for a typical mortgage transaction. My goal is to successfully finance your home. We will decide together what is the best mortgage product for you. I will save you time with one stop shopping and one credit inquiry, unlike if you go on your own to Banks. With more choice come more competitive rates.
What is a Pre-Approved Mortgage?
Having a pre-approved mortgage will guarantee you an interest rate for 120 days for a specific amount giving you confidence to house shop with no pressure. Many Realtors would like you to have a mortgage pre-approval in place prior to them taking you house shopping. This is your very first step in the home buying process.
Why is my mortgage interest rate different than my friends?
There are two main reasons your mortgage rate differs from your friend's or your parents. You are the first reason and your lender is the second. There are many elements that go into what determines the rate you may be eligible for on your mortgage loan. Your down payment plays a major part as it will determine if your mortgage will be an insured one with CMHC, Sagen, or Canada Guaranty or a Conventional one. The purpose of your mortgage loan also plays a part. Rates vary if you are buying the property to live in or to purchase as a rental property. Your credit score and history is another factor when negotiating a mortgage rate.
What are the First-Time Homebuyers Programs available to me?
There are many home buyer incentive programs available to so many Canadians. Even if you are not a first time home buyer you may be eligible for an incentive. Let's chat.
I like your purse, where did you get it from?
Just a funny addition to the FAQ section! I do get asked this for my shoes too!
Why do people paint their front door red in Scotland?
It is a Scottish tradition that people paint the front door of their house red once they’ve finally paid off the mortgage. With the right mortgage plan, you may be buying a bucket of red paint sooner than you think.
Access to Top Lenders
