Specializing in multiple mortgage services, we have the solution for you. Whether you’re in need of a personalized mortgage plan or you’re looking to switch from an existing plan, we have the expertise and knowledge to guide you. Our utmost priority is ensuring that you make the best decision for you and your needs. Because making mortgages easy is what we do best!
If you’re looking to get pre-qualified, we can help you to do so within mere minutes. With a time-efficient and productive process, pre-qualification is a simple service we’ve mastered. Simply get in touch by visiting our Contact Page or click Apply Now to get the process started.
I'll help you craft a
specifically for you.
It is very important to keep in mind that the amount for which you are pre-approved is the MAXIMUM amount that the lender feels you can afford based on your current income and projected property expenses. So take a step back and factor in other expenses that may come up – such as emergency home repair (believe me, something ALWAYS comes up), renovations, and regular household costs.
2) Mortgage renewal
If you acquired your first mortgage through Kristen, you have nothing to worry about because she will start shopping for the best renewal rates on your behalf 3-4 months prior to your term date. If you want to renegotiate your mortgage terms to ensure that you are minimizing your costs, Kristen can help find you the best product options.
3) Second home purchases
So, you already have a primary home and you are looking for a secondary home – either for a vacation getaway, to reduce your weekly commute, as a rental, or an off-campus alternative for your college kid. Whatever the reason, Kristen can help you purchase that home with as little as 5% down payment.
4) Purchase & improvements
Did you find the perfect house…except for the ugly carpet, the run-down fence and the missing garage? Kristen has access to lenders who will include some property improvements into your mortgage amount when you purchase so that you can turn that almost-dream-house into your absolute dream house.
5) Self employed / stated income
What does it take to qualify for a mortgage loan when you are self-employed? Canada embraces entrepreneurship…except when it comes to mortgages. You might encounter some hurdles. Let Kristen do the legwork for you. She has access to institutional and private lenders who love the self-employed and understand the tax write-offs associated with self-employment.
6) New to Canada
Just because you’re new to Canada and don’t quite understand the nuances of the mortgage process, it doesn’t have to mean that you can’t buy a home. Newcomers who have been in Canada for less than five years no longer need to produce a credit history for a mortgage. Kristen can walk you through the process and stay with you throughout the life of your loan. You don’t need to feel alone and isolated in your new country.
7) Cash back mortgages
Is this the right path for you? Various lenders offer cash back programs that enables qualified borrowers with limited down payment amounts to use a percentage of the property’s value to help with closing costs.
8) Free down payment / flex down
If you are having a hard time saving enough money for a 5% down payment, it doesn’t mean that you don’t have any options. Talk to Kristen about the Free-Down Payment option where you can get cash from the lender to pay for the down payment or the Flex-Down Payment option where you can use your existing credit for the down payment.
9) Commercial mortgages
Calgary’s commercial real estate market is quite robust. Depending on your situation, Kristen can help arrange financing for up to 85% of the commercial property value. If you are considering purchasing retail property, an apartment building, industrial property, office space, or any type of commercial property, Kristen can negotiate on your behalf to ensure that your mortgage is right for you.