Mortgage broker serving Mission.

Yes. Mission acreage — especially Stave Falls, Hatzic Prairie and Silverdale — often has wells, septic, outbuildings and ALR designation that disqualify it from bank lending. We work with lenders comfortable with rural appraisals and water-test conditions.

Regularly. Mission has active custom-build activity. We arrange draw mortgages timed to your builder's milestones, with lenders that release on inspection so trades get paid promptly.

A lot of our Mission files are buyers stretching from Coquitlam, Maple Ridge or Burnaby for square footage. We optimize the deal for the West Coast Express commute use-case — pre-approval portability, rate-hold extensions, and bridge financing if you're selling first.

Yes. Older homes in central Mission often have roof, electrical or septic items flagged on inspection. We use lenders that accept post-completion holdbacks for remediation rather than declining outright.

Yes. When a bank declines — bruised credit, unreported income, a tight ratio, a tax-arrears situation, or a property the A-lenders won't touch — we place private 1st and 2nd mortgages in Mission through MICs and individual investors we've worked with for years. Typical terms are 6–24 months, interest-only, with a clear exit plan back to an A or B lender. We quote the all-in cost up front (rate + lender fee + broker fee + legal) so there are no surprises, and we don't write a private deal unless the exit is realistic.

Yes. Mission — especially Cedar Valley and Hatzic established blocks — has a strong base of 55+ homeowners sitting on significant equity but qualifying poorly on income alone. We arrange CHIP Reverse Mortgage (HomeEquity Bank) and Equitable Bank's PATH Home Plan to draw tax-free funds with no monthly payments required. We model the long-term equity erosion honestly, compare it side-by-side with a HELOC, a standard refinance, or downsizing, and only recommend a reverse mortgage when it's genuinely the best fit — not the default.

Yes, and the structure matters. Mission has a younger family demographic and we run spousal-buyout refinances regularly under the Sagen / Canada Guaranty Purchase Plus / Spousal Buyout program — which lets the staying spouse refinance up to 95% of the home's value (instead of the standard 80% refi cap) to pay out the leaving spouse. We need a signed separation agreement, an updated appraisal, and clean qualification on one income. We coordinate with your family lawyer on the timing so the title transfer, payout and new mortgage all fund the same day.