Frequently Asked Questions
Here are the questions I hear most often. If yours isn't here, reach out. I'll give you a straight answer.
It starts with a conversation. Not a form. Not a checklist. A real conversation where I ask about your situation, your goals, and what's keeping you up at night.
From there, I pull together your options across multiple lenders and walk you through exactly what each one means for your finances. No pressure. No jargon. Just clarity.
Once we find the right fit, I handle the application, the lender communication, and all the back-and-forth so you don't have to. I keep you updated every step of the way. And I don't disappear after closing. When your renewal comes up, when your situation changes, when you have a question at 9pm, I'm still here.
Your bank has one set of products. I have access to dozens of lenders, including major banks, credit unions, and alternative lenders. That means I can find options your bank simply can't offer and negotiate on your behalf to get you the best possible terms.
My job is to work for you, not for a lender. There's a difference.
In most cases, I'm paid a finder's fee by the lender once your mortgage funds. That means my services cost you nothing out of pocket in the majority of situations.
If there's ever a situation where a fee applies, I'll tell you upfront before we go any further. No surprises.
It depends on your situation, but a typical purchase mortgage can be approved within a few days once I have your documents. I always recommend starting early so we're not rushing. The more time we have, the more options we can explore.
Generally, you'll need proof of income (pay stubs or T4s for salaried employees, NOAs and financial statements if you're self-employed), a recent bank statement, and government-issued ID.
I'll give you a clear list specific to your situation so there's no guessing.
Often, yes. I work with lenders who look at the full picture, not just a credit score. Let's talk about where you are and what's possible. The answer might surprise you.
Not at all. I work with first-time buyers, repeat buyers, people coming up for renewal, homeowners who want to refinance or consolidate debt, and investors building their portfolios. If you have a mortgage question, I can help.
Yes, and it's something I'm genuinely passionate about. I lead a team of over 20 agents at Tango Alberta, I coach brokers across the province, and I sit on the Board of Directors of the Alberta Mortgage Brokers Association.
Giving back to this industry matters to me. If you're a broker looking for mentorship or a brokerage that actually invests in your growth, I'd love to connect.
