We are leaders in our field, offering mortgage options to anyone purchasing a home in Calgary.


After a decade in the business world, we started in 2005 to offer customized services that allow clients access to the industry’s best pricing.


If you’re looking for one of the best mortgage brokers in Calgary to take care of you, look no further than Us.




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Mortgage Broker Calgary

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Mortgages Don’t Need to be Confusing!  Take the mystery out of the home buying process.  Learn which home loan options are right for you and how the mortgage process works.
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Our mission is simple, to focus on providing extraordinary customer service to our clients, to provide a great work environment, and to be a valuable partner in the communities we serve!

If you need a mortgage Calgary, our mortgage brokers can assist you by providing you with top-notch service, no matter what kind of Calgary mortgage loan you’re looking for, or what your individual circumstances are.

Obtaining a mortgage loan is one of the most significant decisions you will ever make, and it is important that you have an experienced advisor to help you every step of the way.

Contact one of our home loan experts, and we’ll show you how simple it is to obtain a mortgage in Calgary.

We make it EASY to get started. Please click on the button “Apply Online” above and complete the brief form, and we will be glad to help you with all your Calgary Mortgage needs!

Looking to build your dream home. We have an assortment of construction products to fit your needs.

Lower your mortgage payment, reduce your loan term or consolidate your debt. We make it fast and easy with our in-house underwriting, processing, closing and decision making.

We work together as a team to get your loan closed as fast as possible. Ask about our Fast-Track Program and how we can close your loan in as little as 20 days.

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Home Mortgages Advice Straight From The Experts

Private Mortgage Lenders CalgaryYou can’t just rush into getting a mortgage. You can cost yourself tens of thousands of dollars if you don’t know what you are doing with a home mortgage. Keep reading if you’re unsure on what to do.

When attempting to estimate monthly mortgage costs, try getting a pre-approval for the mortgage. Do your shopping to see what rates you can get. Once you have everything figured out, it will be a lot easier to see what your monthly payments should be.

Before you try to get a loan, consider your credit score and make sure you do what you can to make sure it’s good. 2013 ushered in much tougher credit standards for home loans, so it is essential to have the highest credit score possible to get to the best rates and terms.

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Low Down Payment Homes CalgaryMore than likely, you’ll need to come up with a down payment. In years gone by, some lenders didn’t ask for down payments, but those days are mostly over. Ask what the down payment has to be before you send in your application.

Plan out a budget that has you paying just 30% or less of the income you make on a mortgage in Calgary. Paying too much of your income on your mortgage can lead to problems should you run into financial difficulties. You will have your budget in better shape when your payments are manageable.

There are government programs that can offer assistance to first-time homebuyers. There are often government programs that can reduce your closing costs, help you find a lower-interest mortgage, or even find a lender willing to work with you even if you have a less-than-stellar credit score and credit history.

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Mortgage Architects CalgaryBefore signing any loan paperwork, ask for a truth in lending statement. Ask about closing costs and any other fees you will have to cover. Most lenders will be honest about the costs, but there are some that will try and get one over on you.

Just because one company denies you doesn’t mean you should stop looking. All lenders are different and another one may approve your home loan. Continue trying to get a loan approval. Also keep in mind that using a co-signer or putting down a larger down payment might help you to get approved.

Keep an eye on interest rates. Obtaining a loan is not dependent upon the rate of interest, but it will determine how much you spend. Learn how the interest rate can influence your monthly payments and what part it plays in financing your Calgary mortgage. Failing to observe rate terms can be a costly error.

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Worry Free Mortgage CalgaryYou should have low balances spread out on different accounts, rather than large balances on only one or two account. Try to keep yourself at half, or less, of your credit cap. If possible, a balance of under 30 percent is preferred.

If your credit union or bank will not approve a mortgage for you, a Calgary mortgage broker may be a good option. Mortgage brokers often are able to obtain financing other lenders cannot obtain. They are able to offer you a wider array of options, working with a variety of lenders.

If you think you can afford to pay a little more each month, consider a 15 or 20 year loan. These shorter-term loans have a lower interest rate and a slightly higher monthly payment for the shorter loan period. They can save you thousands of dollars over the typical 30-year mortgage in Calgary.

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5 Year Fixed Mortgage Rates CalgaryBe sure you are honest when you’re applying for a loan. If you tell even one lie, you are taking a chance that your loan will be denied. Why would a lender trust you with a large sum of money when they can’t trust your word?

Get a savings account before trying to get a loan. You have to have some money set aside for closing costs, your down payment, and things like inspections, credit report fees, and everything else you’re going to have to pay for. Obviously, the more you pay initially, the better deal you’ll get on a mortgage right here in Calgary.

It should go without saying that a home lender is looking to give loans to people who have done well with keeping up their Calgary Mortgage Broker credit scores. They are much pickier than in years past and want assurance they’ll get their money back. Clean up your credit before applying.

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Dash Mortgage CalgaryContemplate obtaining a mortgage which lets you make bi-weekly payments. This lets you make two additional payments yearly, which can reduce the interest you pay on the loan greatly. You might even have the payment taken out of your bank account every two weeks.

If you get an approval letter for your mortgage loan, it shows the seller you want to buy. It shows them that you are financially stable. However, you need to make sure the amount shown in this approval letter is the same as the amount you offered. If the letter indicates you are able to pay more than you are offering, the seller has more negotiating power.

The rates a bank posts are not set in stone. Find a competitor which offers a lower rate and let the bank know your plan is to go with them – you’ll get all of the features you like at the bank without the high posted rate you can’t afford.

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Mortgage Rates Calgary 2019Look into prepayment penalties before signing up for a loan. With a good credit score, you should not have to agree to this kind of stipulation. Having the ability to pre-pay is going to help you with the interest costs the loan may have, so you should really think this over before doing anything else. Don’t just give it up without further thought.

After finding out more about how home mortgages work, you might want to go further. Use this advice as a guide. The only thing left for you to do at this point is to find a lender and put this advice to good use.