Wouldn't it be nice if banks paid you
for
your business? With the right mortgage
strategy, you can earn more than you pay
in interest. That is, if that's something you want...
Mortgage Strategy Pays
To deliver unbiased advice that
generates you more wealth, and
proactively provide value for you
AFTER your loan is funded.
MY COMMITMENT
The right debt strategy saves you thousands,
and can help you and your family live
the life you've always dreamed about.
Nothing is more important.
STRATEGY MATTERS
And if you don't have one,
we will recommend some
of the most trusted advisors
in the business.
WE WORK WITH
YOUR EXISTING
FINANCIAL PLANNER
Financial Transition Planning
A Financial Transition Plan uncovers opportunities you might not realize exist when selling your home. It not only helps you purchase your dream home but also reduces your monthly expenses, setting you up for the retirement you deserve. For any potential home seller, implementing this plan is essential to ensure the sale aligns with long-term financial goals.
Home Purchase
Most people realize that a home is one of the biggest and longest financial commitments they’ll make. What they might not know is that even a mortgage with a lower rate can end up costing tens of thousands more over the life of the loan. Whether you have 5% or 50% for a down payment, our data-driven strategies will help you build the greatest long-term wealth.
Mortgage Renewal
Let me show you how your current mortgage compares to what’s available in the market before it’s time to renew. Lenders often don’t offer their best rates unless you’re working with a licensed professional who knows what their lowest offers truly are. This could be the most valuable 15 minutes you spend. Sometimes, staying with your current lender is the best choice. If that’s the case, we’ll still provide you with a FREE strategy to use with your bank, ensuring you get the best of both worlds.
Debt Consolidation
Consolidating debt or accessing your home’s equity can significantly improve both your financial health and peace of mind. Let us help you eliminate stress and get your finances back on track. Our approach will not only save you money but also help you become debt-free faster than you ever thought possible.
Mortgage Wealth
The need for a truly holistic financial plan has never been more important, which is why we go beyond just discussing rates and terms. With our Total Wealth Mortgage Plan, we integrate a long-term debt management strategy with your existing Financial Planner. Together, as a team, we ensure you stay on track to reach your financial goals.
Debt-Management For Life
Our work doesn’t stop once your loan is funded. That’s when our real job begins. With our Mortgage Management for Life service, we offer ongoing support to ensure your home remains a valuable investment that moves you closer to your financial goals. We keep you informed with everything you need to know, right when you need to know it, for as long as you have your loan.
The Mortgage Planning Process
We value your time, so our process is designed to be as efficient and effective as possible. It starts with a quick 15-minute suitability call where we discuss your current financial situation and future goals. During this call, we’ll answer your questions and guide you through key mortgage information, ensuring you have everything you need to make an informed decision. By the end of the call, you’ll know how much you qualify for, as well as your estimated monthly payments and closing costs.
If we decide to move forward together, we can complete your application over the phone, through Zoom, or via a secure online link. We’ll also provide a list of documents needed to create your personalized Total Wealth Mortgage Plan.
Our mortgage application process is straightforward and easy to follow.
The mortgage application process is simple:
What Makes us Different?
Our mission is to bring you peace of mind by helping you manage one of the biggest financial commitments of your life. We’re dedicated to providing a 5-Star mortgage experience with minimal disruption to your daily life, all while securing the best rate and product for you.
From our first conversation, you’ll see that we offer professional, unbiased advice that goes beyond the typical mortgage transaction. Our proprietary tools generate detailed reports, allowing you to compare all your mortgage options and understand how each choice impacts your future. We don’t just focus on getting you into a home—we also create a plan to help you pay it off. We can even show you ways to pay off your mortgage faster without increasing your monthly payments.
What sets us apart is our commitment to you after your mortgage is approved and funded. We continuously monitor the market and keep in touch, ensuring your mortgage remains competitive and you don’t miss out on better opportunities.
Sometimes, the best choice is to stay with your current lender. If that’s the case, we’ll be upfront and back it up with real numbers. Transparency, integrity, and ethics are the foundation of all our relationships.
Frequently Asked Questions
What is a Mortgage Broker?
A mortgage broker is a trained professional that will help you find and get the best mortgage product for your unique situation. They have access to many different lenders from big banks, credit unions, and specialty lenders who offer a variety of loans. Your broker will search the market on your behalf, searching for the best product to suit your needs. (Think of a personal financial shopper who finds you the best deal for your needs.)
What's the difference between a Bank and a Mortgage Broker?
While a bank can only offer you the products they sell, a licensed mortgage professional has the choice of finding the right solution for your unique needs from a multitude of lenders. We work with the best 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.
Can you match the super low rates advertised on the internet?
Absolutely! Please keep in mind that those rates typically refer to purchases with less than 20% down and can contain terms and conditions that lenders try to hide from you that can cost you much more money. We’ll always show you the lowest rates you qualify for and explain the pro’s and cons of each so you can decide which option is right for you.
How much does your services cost?
Working with us is free for 99% of clients because we get paid directly by lenders for finding qualified home buyers.
For the 1% of people where a fee needs to be charged, it is only when the most challenging credit solutions are required, and it’s especially under those circumstances that we can provide value for you.
What is a Pre-Approval?
Despite what many lenders will tell you, there is no such thing as an actual “pre-approval”. Since every final approval is subject to several conditions, one of which is the subject property you are looking to buy, a lender cannot give you 100% certainty of an approval until all the documents have been reviewed AND your property has been selected. Anyone who tells you otherwise is not being honest with you.
We provide a 100% fully underwritten financial review of all documents so that you can shop with confidence knowing that the only question left, is what house you would want.
What do clients need to do?
There are only 3 things we ask of our clients in order to provide them the absolute best experience.
- Complete honesty and transparency. If you don’t give us the whole picture, we cannot give you the best diagnosis.
- Please respond promptly to every request. This is vital to close quickly.
- Let us know if something in our process can be improved. It makes it even better for the next client.
Can we meet in person?
No. All of our services are done remotely which allow us to be available for you 7 days a week. But just because it’s not in-person doesn’t mean your experience will be impersonal. We offer Zoom Meetings, every step of the way so we not only see each other, but have the ability to see the application and all the documents together. We are available for you to book a meeting time that works for you, 365 days a year by going to www.richardd.ca/book.
Don’t take our word for it. This is what our clients say:
Some of our trusted mortgage lending partners
Schedule a 15 Minute Phone or Video Call
We can be reached by telephone at 204-296-5722 where you can leave a detailed message and we will respond within 24 to 48 hours. The best, and fastest way to reach us is to schedule a meeting time that is mutually convenient using the form to the right. This is a direct link into my calendar so you can meet with me. I highly recommend you select a Zoom or Microsoft Teams meeting so that we can see each other, and if needed, we can review information on-screen together and make the best use of our time together. I am available from 9am to 9pm, 7 days a week.
Please Note: We only work with clients who have been referred to us by an approved partner, a past client, or a friend/family member. If you would like us to consider an exception and work with you, let’s meet and decide if we would be a good fit for each other. We will only make exceptions for fully engaged clients who are looking for long-term mortgage strategies.
