Buying a home is one of the biggest financial decisions you’ll make — and I’m here to help you do it with confidence. A residential mortgage is a loan used to purchase a home that you will live in — whether it’s your first house, a move-up home, or a vacation property. I’ll help you navigate all your options to find the best mortgage product, rate, and terms for your residential purchase, whether it’s your first home or your next move.

Investment Property Mortgages

Maximize your returns with tailored lending options for rental properties.

Looking to build your real estate portfolio? I specialize in helping investors secure the right mortgage for rental properties, whether it’s your first investment or your fifth. I’ll guide you through important considerations like down payment requirements, cash flow strategies, and financing options.

Private Mortgages

Solutions for non-traditional lending scenarios.

Sometimes traditional banks and lenders can’t meet your needs — and that’s where private lending comes in. Private mortgages offer flexible, short-term financing for clients with unique circumstances, such as self-employed borrowers, bruised credit, or urgent funding needs.

Mortgage Pre-Approvals

Know what you can afford — before you start shopping.

Get peace of mind before you start house hunting! A mortgage pre-approval confirms how much you can borrow, locks in a rate (in many cases), and strengthens your offer when you find the right home. I’ll walk you through the simple steps to get pre-approved fast.

Refinancing

Tap into your home’s equity or restructure your mortgage for better terms.

Refinancing your mortgage can help you access your home’s equity, lower your monthly payments, consolidate debt, or fund major expenses like renovations. I’ll help you determine if refinancing makes sense for your financial goals and find the best available terms.

Transfer/Renewals

Switch your mortgage for a better rate or negotiate a new one.

When your mortgage term is up, you have options. Don’t just accept your lender’s renewal offer — I’ll shop around to help you find better rates and terms that fit your evolving needs, potentially saving you thousands over the life of your mortgage.

Cottage/Vacation Home Financing

Make your getaway dreams a reality.

Dreaming of a getaway property? I can help you secure financing for a cottage, second home, or vacation property. Whether it’s a four-season retreat or a summer escape, I’ll make the mortgage process smooth and stress-free.

Second Mortgages

Leverage your home’s value for new opportunities.

A second mortgage can provide access to extra funds for renovations, debt consolidation, or investment opportunities without breaking your first mortgage. I’ll explain how second mortgages work and help you secure a solution that fits your situation.

Purchase Plus Improvements

Renovate your new home from the start with additional financing rolled right into your mortgage.

Found the right home, but it needs a little TLC? With a Purchase Plus Improvements mortgage, you can roll renovation costs into your mortgage — making it easier to create the home you want without stretching your budget.

Reverse Mortgages

Unlock your home equity for retirement income.

For homeowners 55 and older, a reverse mortgage unlocks the equity in your home to provide tax-free cash without the need to sell or move. I’ll guide you through how a reverse mortgage works and whether it’s the right fit for your retirement plans.

Home Equity Lines of Credit (HELOC)

Flexible access to funds as you need them.

A HELOC offers flexible, revolving access to your home’s equity — perfect for major purchases, ongoing renovations, or simply having a financial cushion. I’ll help you set up a HELOC that works with your lifestyle and long-term goals.

Debt Consolidation

Simplify your finances with one manageable mortgage payment.

Struggling with high-interest debt? Consolidating your debt into your mortgage can lower your overall payments and simplify your finances. I’ll show you how to use your home’s equity strategically to reduce stress and get back on track.

Need

Help?

Contact Paul