There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional, like Gayle Focken.
While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada's largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.
Whether you're purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it's important that you are making an educated buying decision with professional unbiased advice. Take a look around, see what Gayle has to offer, and please call or email if you have any questions at all! After all -- she makes it happen, and you make it home!
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Videos
Why should Canadians use a mortgage expert?
What is the difference between a variable rate mortgage and an adjustable rate mortgage?
How does the Bank of Canada rate impact the demand for housing?
How does the qualifying rate impact Canadians?
Is a fixed rate mortgage better than a variable mortgage?
What is the benchmark rate?
How are fixed rate mortgages determined?
Should Canadians shop the market for a mortgage, or are they all the same?
Why should Canadians care about inflation?
Is consolidating debt a smart move?
What is the best way to handle credit card debt?
How are variable rates set?
Are fixed mortgages or variable rate mortgages more popular?
Will the variable rate trend continue?
How are mortgage brokers compensated?
Are mortgage brokers regulated?
What is a basis point?
How can first-time home buyers get into the housing market?
What is mortgage insurance?
Is there only one mortgage insurer?
Do you expect OSFI to make changes to the qualifying rate?
How has increased immigration impacted the housing market?
Did you feel well informed about the mortgage process and financing options provided to you? “Yes”
Did the process run smoothly and at a time frame that met your expectations? “Yes”
Was I responsive to inquiries and did I answer and follow up with all your questions? “Yes”
Do you feel that my services benefited you? “Very happy with everything!! Great service.”
Shawn & Carrie Campbell
“Within the past year both my daughter and I were in the market to purchase a home and Gayle Focken came highly recommended by another family member. We are both very happy with the services Gayle provided each of us. We found her to be not only knowledgeable and professional but also very patient throughout the fairly lengthy process.
I wouldn’t hesitate to recommend Gayle’s services as a Mortgage Broker. Thank you Gayle! I love my new home! “
Louisa Petersen
“Dealing with a mortgage for the first time was a great learning experience. Everything was explained to its fullest, any questions or bumps along the way were answered and solved professionally. Couldn’t have asked for a better mortgage broker to deal with – was like having a 2nd mother.”
Joshua Van Troyen
“Everything was great! Gayle is a real professional.”
Jo
“I am very happy with the service by Gayle. She satisfied my expectations very well. She is hardworking and very thorough. I recommend her to anyone.”
Majid and Neda