Your Mortgage Specialist

An accredited  mortgage professional that is passionate about my job.  I am dedicated and devoted to my clients that will enable them to obtain the best mortgage interest rate and mortgage product that is best suited for them.

I have over 21 years of experience in the residential mortgage lending industry. I am committed to make your financing a pleasurable experience and building a professional relationship.

Crunch the Numbers

Call me today 204 371 9284

Latest Blog Posts

Tips to Save Your Money

August 11th, 2020

Here are 3 mortgage tips that will save you money…

1) Ask about pre-payment privileges

2) Find out the penalties for breaking your mortgage

3) Weigh the benefits of a lower downpayment

If you want to know if any of these tips would apply to you, contact me today.

Manage Your Debt

July 24th, 2020

The best thing you can do to manage your debt is to borrow LESS than you are allowed….Your housing costs shouldn’t be more than 32% of your gross income. Housing costs include mortgage principal and interest, taxes, heating expenses and half of your condo fees. Find out the home-related costs you can afford each month. Calculate your gross debt service ratio. Your total debt (for housing, cars and credit cards) shouldn’t be more than 40% of your gross income. Find out the maximum debt load you can carry each month. Calculate your total debt service ratio.Borrowing this maximum amount can be risky. If your income drops, your expenses increase or interest rates rise, you may have trouble making your payments. Take on a smaller mortgage so that your housing costs stay within your means.

Secure a Low Rate

July 20th, 2020

Interest rates may be low right now, but what would happen if they increase? Can you afford it? An increase in the interest rate will increase your future monthly payments.

For example, if interest rates rise from 5% to 7%, renewing a $250,000 mortgage will cost an extra $300 per month.

It’s always important to secure a mortgage payment that you can comfortably afford now and also when/if interest rates increase.

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