Obtaining the best mortgage whether as a first-time home buyer or as a seasoned home owner looking to unlock some equity from your home for investments or helping family or life style changes can be daunting.  I specialize in all types of mortgages including, but not limited to, fixed Interest rates, variable rate mortgages, secured  lines of credits,  and, as a Certified Specialist  through Home Equity Bank, reverse mortgages.  The various financing options  available today can be confusing. There is much more to a mortgage than the interest rate.

This is where I come in.  Having been a registered Mortgage Broker since 1980 I will help to make your new mortgage experience an enjoyable one by acting as your “personal shopper” providing you with all of the various options to help you make an informed decision.

I will

– take the time to get to know you and your needs

….and

– ensure that you end up with the mortgage, the interest rate, the terms and the payments that are best suited for you and your lifestyle

….and

– ensure that you understand all of the pros can cons about the various mortgages including standard charge mortgage terms versus collateral charge mortgage terms

….and then

– act as your future consultant for any mortgage queries that you or your friends may have.

Together with my family colleagues  John Ribalkin, Felicity Brempong and Ethan Ribalkin, I look forward to meeting with you and making your new mortgage experience a pleasant one!