Mortgage planning that unlocks the power of home ownership.
We take you through a proven 3-step process: discovery, pre-qualification, and approval.
Get through the paperwork
Discover alternate lenders
Have confidence in the options
As experienced mortgage professionals, we guide you to make informed decisions around home ownership, qualifying for mortgages, and engaging appropriate lenders.
Why so much paperwork?
Laws require lenders to document the borrower’s background. They want to know who you are and be confident that you’re able to repay the loan. These laws protect not only the lender, but also protect you and your credit.
Why are lenders so inflexible?
Lenders do want to lend. They just want to be sure they’ll get their money back. Some lenders are more flexible based on source of income & credit, property type, or their own policies. We just need to help them say yes.
What’s the best mortgage for me?
It’s easy to be overwhelmed by the options. Lenders and mortgages differ. Interest rates, mortgage portability, and payout penalties are some of the potential gotchas you might encounter. We help you navigate these.
Traditional lenders – like banks – are happy to have their employees sell you the mortgage product they have, whether or not it’s a best fit for you. We have to ask, what mortgage did you get approved for, really?
We work to address common fears around making bad financial decisions. Our team offers clear, straightforward advice addressing lending challenges. We have a personalized approach, which is a contrast to what many people experience with banks and other traditional lenders. We believe in transparent communication, minimize paperwork, and reducing complexity.
Licensed Mortgage Brokers
Licensed mortgage brokers with Quantus Mortgage Solutions
Quantus CMP Alberta Mortgage Brokerage award of the year
Richards Mortgage group Inc. in 2008
We have a legal obligation to look after your interest, while protecting the lender. By following this plan, we can accomplish both:
1
Discovery
We get to know you, your real estate goals, and your financial situation. We look at target or new property objectives & options.
2
Pre-Qualification
We gather documents to assess your mortgage readiness in support of a formal mortgage application, and identify target lenders.
3
Approval
Having collected the information, selected a property, and identified target lenders, we submit your mortgage application for approval.
My wife and I contacted Richards Mortgage Group while we were having difficulty getting a mortgage approval through our regular bank. They contacted us back immediately, were professional, responsive, organized, and very knowledgeable. I truly appreciate the work they put in to help us out of an uncomfortable spot!
You’ve successfully completed this phase of your journey. You’ve established improved financial stability. And, you're confident you made the right decision with the help and guidance of Richards Mortgage Group. Best of all, you’ve unlocked the power of home ownership!
