The minimum down payment starts at 5% of the purchase price for homes up to $500,000. We’ll guide you through the exact requirements for your situation.

A broker gives you access to multiple lenders — banks, credit unions, and private options — so you can compare rates and terms. More importantly, we structure your mortgage file in the best possible way to improve approval chances and secure better terms.

Most mortgages allow prepayments, but the rules vary by lender. We’ll help you understand your prepayment privileges and any penalties before you sign.

Refinancing replaces your current mortgage with a new one, often to access equity or secure a lower rate. A HELOC, on the other hand, is a revolving line of credit secured by your home. We’ll explain which option best suits your needs.

Yes. We specialize in mortgage solutions for business owners and self-employed clients, including options that use alternative income verification.