About Us

Helping you navigate your real estate & financial goals with confidence and clarity.

Thanks for visiting. We are part of a multi-service real estate financing team operating in Alberta, BC, Ontario and across Canada. Our licensed brokerage is Quantus Mortgage Solutions and we are part of the Verico Financial network serving Canadians coast-to-coast.

Our goal is to earn your trust and a long term client relationship through expert advice, our robust approval process, and exceptional service and communication. We want to get to know you as a person and understand not just what your situation is now, but also what you are trying to achieve going forward. Mortgages and real estate are a long term investment and we want to be there to support you at every stage of your journey. 

We are easily accessible, adaptable to your style and schedule, and utilize a number of decision support tools that help us craft a plan and show you the way. 

As brokers, we have access to over 50 different lenders across the country including chartered banks, monoline lenders, trust companies, mortgage investment corporations and private lenders, and we are able to tailor our solutions to the nuances of your objectives and specific financial situation. We’re here to help you make informed decisions that are right for you. Compare this to the experience of going directly to your bank where if you don’t fit their cookie cutter criteria for a mortgage, they have no incentive to guide your decisions or recommend other mortgage solutions that might be a better fit for you.

The Richards Mortgage Group is a family-owned and operated mortgage team based out of Cochrane, Alberta. Chris Richards was licensed in 2008, after returning to Canada after a 5 year sailing trip around the world with his family and deciding that he no longer wanted to work in corporate Calgary. Chris has always had a passion for real estate finance and investing, while building tools and systematizing processes with the vision of always delivering a well-oiled customer mortgage experience. Joel Richards joined the team in 2019 and became licensed at the start of 2020. Joel brings a passion for customer service and an exceptional client experience drawing from his background in high end hospitality. Sheila Richards provides back office administrative support to keep the team organized and allow Chris and Joel to focus on the important task of servicing customers.  

 

What Exactly Does a Mortgage Broker Do?

Here is our definition of a mortgage broker...

Mortgage 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.

We 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 us 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: We 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, we hope to earn your trust and referrals. 

Chris Richards (left), Joel Richards (right), Licensed Mortgage Brokers

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

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