Hi! I'm Chris. Serious about mortgages. Chill about everything else.
buying your first home?
renovating your current one?
going through a divorce?
stressed about cash flow?
want to renew with confidence?
not sure where to start and need a quick chat?
Self-employed and being told that makes getting a mortgage harder? (Spoiler: it's not)
Whatever your situation, I’m here to make the mortgage process feel less like guesswork and more like a win.
I’ll handle the math, the fine print, and the strategy. You handle the fun stuff—like choosing paint colors, planning your housewarming, or figuring out who keeps the Netflix account.
Real advice. Real solutions. No suits required. And yes – your consult is completely fee-free.
Start your journey
Fill in your name and email for instant access to my 5 minute quick questionnaire. Once I receive your answers, I will be in touch to present your possible mortgage options.
A mortgage broker compares options across multiple lenders, then helps you choose and secure the mortgage that fits your goals. Instead of you calling five places and getting five different answers, I do the shopping and explain the fine print in plain English.
Access to multiple lenders and products
Strategy help, not just rate shopping
Guidance through documents, conditions, and deadlines
If you want, I can look at your goal and tell you the best route to get you there.
In many cases, yes. Most standard residential mortgages are paid by the lender, not by you. If your situation involves a private lender or anything with fees, I will always explain that upfront before you commit.
Most purchases, renewals, and refinances are lender-paid
If a lender fee could apply, you’ll know before we move forward
No surprise invoices, ever
Want the straight answer for your situation? Send me your numbers and I’ll tell you what’s realistic.
For a home purchase, starting early makes everything easier. Ideally, we talk before you start house hunting so you have a real budget and a pre-approval plan. For renewals, it’s smart to start 4 to 6 months before your renewal date.
Buying: start before you shop so your offer is strong
Renewal: start 4 to 6 months before maturity
Refinance: plan early to avoid rushing
Tell me your timeline and I’ll tell you what to do first.
Neither is better for everyone. Fixed gives predictability. Variable can offer flexibility and different cost dynamics. The right choice depends on your comfort level, budget, and how long you plan to keep the mortgage.
Fixed: stable payments and easier planning
Variable: changes with the market depending on product type
Penalties and flexibility can matter as much as the rate
If you tell me what you value most, I’ll recommend the best fit.
The stress test qualifies you at a higher rate than your actual mortgage rate to make sure you can afford payments if rates rise. It can reduce the amount you qualify for, even if your monthly payment feels comfortable.
You qualify at a test rate, not just your contract rate
It affects your maximum purchase price
Rules vary by lender and scenario
If the stress test is shrinking your budget, I’ll show you what levers you can pull.
Yes. Self-employed and non-traditional income is common, and it just needs the right lender and the right documentation. I’ll tell you exactly what matters and package your file so it gets taken seriously.
Different lenders assess business income differently
Documentation matters, but it doesn’t have to be overwhelming
Strategy and lender choice can change the outcome
Tell me how you’re paid and I’ll give you a simple plan.
Ready to find your dream home? I’ll make the mortgage part easy-peasy.
From pre-approval to closing, I’ll help you navigate the process and secure the best mortgage for your needs.
Think of me as your mortgage sidekick—making sure you get the perfect fit while you focus on finding that perfect kitchen.
Looking to refinance for a better rate or tap into your home's equity for cash flow? I’ll guide you through the options to optimize your mortgage and free up funds for what matters most—whether that’s home improvements, consolidating debt, or just easing your monthly budget.
While I'm not technically a magician, I can sort of make those bills disappear and turn your home’s equity into extra cash ;) Let’s make your mortgage work as hard as you do!
Is it time to renew your mortgage? I’ll help you navigate the process with ease, ensuring you get the best terms for your needs. From reviewing your current mortgage to exploring new options, I’ll take the hassle out of renewal so you can focus on enjoying your home.
Let’s make sure your renewal is as smooth as your favorite cup of coffee!
The one thing no one wants to talk about...
It doesn't have to be ugly!
Divorce can complicate financial matters, but dealing with the mortgage doesn’t have to be one of them.
I’m here to provide clear guidance on managing your mortgage during and after divorce, from adjusting terms to exploring new options that fit your new circumstances.
It doesn’t have to be ugly. Let’s simplify the mortgage side of things so you can focus on the important aspects of moving forward with clarity and confidence.