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
Mortgage Services
Home Purchases
Purchasing a home is often one of the biggest financial transactions in a persons life. Whether you have 5% or 50% for a down payment, my advice will leave you with the most long-term wealth. Period.
Mortgage Renewals
Let me show you how your current mortgage stacks-up to what’s available on the market BEFORE it’s time to renew. Lenders usually do not give you the best offer unless you’re working with a broker who knows what their lowest offers are. It could be the most valuable 15 minutes you’ve ever earned.
Debt Consolidation
Helping to consolidate deb or access your home’s equity can do wonders for your well being and your portfolio. Stop the stress and let me try and get you back in the black. My 3-step system will work hard for years to come.
Wealth
The need for a truly holistic financial plan has never been greater, and that is why we go beyond just real estate or the stock markets. Our Total Wealth Mortgage Plan integrates a long-term debt management strategy into your existing financial plan to help you stay on track to reach your financial goals.
Richard de Chevigny
Winnipeg Mortgage Broker
Time is a finite resource. That’s why, my entire process is about making the most efficient and effective use of our time. The process begins with having a 15 minute suitability call. During this call, we talk about your current financial situation and your goals in the future. I will take the time to answer all of your questions and walk you through some key mortgage information and the process so that you are armed with all the information you need to make an educated mortgage decision. By the end of our very first call, you will know exactly how much you qualify for and what the estimated monthly payments and closing costs will be.
If after the call is completed, we have both agreed to work together, we can complete an application together over the telephone, or I will provide you with a link to my secure client portal containing my online application and a list of the documents that are going to be needed to create your Total Wealth Mortgage Plan and get you approved.
The mortgage application process is simple:
Winnipeg Mortgage Broker
As a mortgage broker, Winnipeg is a dynamic place to live. My mission is to bring you peace of mind by helping you manage one of the largest indebtedness of your life. We commit to deliver an exceptional mortgage experience that requires the least amount of disruption to your daily life.
We proactively monitor the market to make sure your mortgage is never holding you back from reaching your financial goals. Our comprehensive annual mortgage reviews will identify key life changes that signal an adjustment may be needed.
You’ll have peace of mind knowing that, we continually monitor the market for opportunities to swap out your existing debt for more affordable sources. Sometimes, your best option is to remain with your current lender. If this is the case, you’ll receive honest, unbiased advice as transparency, integrity and ethics are the foundation of our relationships as a Winnipeg mortgage broker.
Frequently Asked Questions
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.
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 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.
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.
Some of our trusted mortgage lending partners
Let’s Talk
You can reach me by email, or phone/text at 204-296-5722. I will always answer my phone unless I am already on the line or currently working with a client. If you would like to specify the best specific time for me to call you, please click here to schedule a call at a time that is convenient, or if you prefer, you can email me using the form.
Note: Your details are kept strictly confidential as per our Privacy Policy.
