About Us

Our mortgage financing process is simple and we're here to relieve stress for the home owner/buyer.

Thanks for visiting. I am part of a multi-service real estate financing team, operating in Alberta and across Canada, which seeks to help you with mortgage finance for your home, whether your first or your fifth!

My goal is to help you – whatever your financial, credit, or employment status happens to be — to plot a successful course and guide you through to home ownership and/or to help reduce the overall lifetime cost of your mortgage.

As licensed professional mortgage brokers, we know exactly what it takes to qualify you for a mortgage and we do more than just get you a great mortgage at a great rate, we will show you the way, too.

We will earn your trust, fit to your style and schedule, and help you meet your goal.

We're here to educate, inform, and answer your questions. More importantly, we'll help you get the job done.

If you are willing to bet on yourself that you can own your own home sooner rather than later, then my team and I are willing to work with you.

If you have reasonable credit and 5% for down payment, then we can guide you through the traditional mortgage / purchase process. If you have some money saved for down payment, but can't currently qualify, then we can show you how to fix things in the least amount of time. Meanwhile, there might be some rent-to-own or seller financing strategies to consider as well if you just can't wait.  We will do what we can to work with your current situation so that you can get the keys to your new home faster than you would have expected.  

What Exactly Does a Mortgage Broker Do?

Here is our definition of a mortgage broker...

Mortgage Broker  /'môrgij/ /'broker/:   An independent, licensed mortgage professional retained by the client to shop the mortgage market (including banks, trust companies and other financial institutions).

The mortgage broker will provide independent advice in choosing a mortgage commitment to fit the client’s particular needs.

It is a similar service as that of an insurance broker or travel agent in that a professional mortgage broker is a highly trained specialist within a very complex industry.

The broker can often obtain mortgage commitments with better terms, options and interest rates than the client can obtain on their own, thereby saving them considerable time and effort, as well as potentially thousands of dollars over the term of a mortgage.

The mortgage broker is typically paid a fee by the lender upon the successful funding of a mortgage (no charge to client). If the broker intends to charge you a fee, as would be the case in commercial, agricultural, business and non-bank (private) lending, this must be disclosed up front to the client.

I Can Help in 3 Distinct Ways

1) Decision Support: Get the information you need to qualify for and be approved for the mortgage that best meets your needs.

2) Price Shop: Let me get the banks and mortgage lenders competing for your business; for the best rates & terms available for your situation, all at no cost* to you.

3) Ongoing Advisory: I see you as a client for life and will always be available for questions and to help you reduce the life-time cost of your mortgage. In doing so, I hope to earn your trust and many referrals. 

Chris Richards Mortgage Broker Cochrane Calgary Red Deer Edmonton

 

Do you have questions? Please feel free to contact me!

Chris Richards

LET'S TALK!

 

View Our Current Mortgage Rates
CURRENT MORTGAGE RATES
APPLY NOW