About Me
Hi, I'm Rita.
I'm a Mortgage Professional with broad experience in all aspects of the financing process - whether it be helping first-time buyers purchase their first home; assisting clients with financing for a renovation to their existing home; building a new home or helping them re-negotiate their mortgage at renewal.
My goal is to help my clients navigate through the process of finding the right financing product for their unique situation.
I specialize in mortgages for self-employed borrowers; borrowers with slightly bruised credit and first time home buyers, home equity Lines of Credit; first & second mortgages; mortgage renewals; re-finances and investment property mortgages.
Cell: 403-502-3330
STEP ONE
Start the conversation.
The best place to start is to connect with me directly. The mortgage process is personal, and it can be daunting. My commitment to you is that I'll listen to all your needs, assess your financial situation, and provide you with a plan to move forward.
STEP TWO
Choose the best option.
Once we’ve had a look at your financial situation, we’ll consider a variety of mortgage options, I’ll outline what documents are necessary to qualify for a mortgage, negotiate with the lenders on your behalf, and arrange the mortgage that best suits your needs.
STEP THREE
Sit back and relax.
Once we’ve arranged the mortgage product that best suits your needs, you’re not alone. I’m your mortgage professional for life. If you’ve got questions in the years to come, I’m always available to make sure that your mortgage is working for you, and not the other way around!
Lenders
I've developed excellent relationships with many lenders across the country.
Let's figure out which one has the best product for you.
Services
As a mortgage professional it's my job to be the go-between between you and a mortgage lender. I make sure that you know all the products available to you, and are equipped with the knowledge to make the best decisions for you and your family.
Flexible Mortgages
As your life can change at any time, I offer a wide range of flexible mortgage products.
Qualified Advice
As a licensed mortgage expert, I'll listen to your needs and answer your questions.
No Cost to You
There are no fees for my services, once you find the perfect product, the lender pays me a commission.
Advocacy
I commit to working on your behalf
to find you the best mortgage for your needs.
Mortgage Articles
Why a Mortgage Pre-Approval Protects Both Your Head and Your Heart There’s no denying it—buying a home is an emotional journey. In a competitive market, it can feel like you need to stretch beyond your comfort zone or bid above asking just to have a chance. That pressure can make it hard to separate what you want from what you can realistically afford. One of the biggest pitfalls buyers face is falling in love with a home that’s outside their price range. Once that happens, every other property seems like a compromise—even the ones that might have been a perfect fit otherwise. The best way to avoid this heartache? Get pre-approved before you start shopping. What a Pre-Approval Does for You A mortgage pre-approval gives you more than just a number—it provides clarity, confidence, and protection: Know your buying power : Shop within your true price range and avoid disappointment. Spot potential roadblocks : Uncover issues like credit bureau errors before you make an offer. Get organized : Learn exactly what documentation you’ll need so there are no surprises. Lock in a rate : Many lenders hold your rate for 30–120 days, giving you peace of mind if rates rise. Save yourself heartache : Protect yourself from falling for a home you can’t afford. Head vs. Heart Buying a home is about balance. Your head tells you what’s financially sound, your heart tells you what feels right—and both matter. A pre-approval helps bring those two sides together, so you can make confident choices without emotional stress clouding your judgment. The Bottom Line Looking at properties for fun is one thing—but if you’re serious about buying, a pre-approval is the smartest first step you can take. It sets realistic expectations, saves time, and protects your emotions along the way. If you’d like to explore your options and get pre-approved, I’d be happy to walk through the process with you. Let’s make sure you’re ready to shop with confidence.
The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. While Canada's economic recovery is broadening, a new layer of uncertainty has entered the picture. Here is what happened and what it means for your mortgage.
Don’t Forget About Closing Costs When planning to buy a home, most people focus on saving for the down payment. But the truth is, that’s only part of the equation. To actually finalize the purchase, you’ll also need to budget for closing costs —the out-of-pocket expenses that come up before you get the keys. Closing costs can add up quickly, which is why they should be part of your pre-approval conversation right from the start. Lenders will even require proof that you’ve got enough funds set aside. For example, if you’re getting an insured (high-ratio) mortgage, you’ll need at least 1.5% of the purchase price available in addition to your down payment. That means a 10% down payment actually requires 11.5% of the purchase price in cash to make everything work. Let’s break down some of the most common expenses you should prepare for: 1. Home Inspection & Appraisal Inspection : Paid by you, this gives peace of mind that the property is in good shape and doesn’t have hidden problems. Appraisal : Required by the lender to confirm value. Sometimes this is covered by mortgage insurance, sometimes by you. 2. Legal Fees A lawyer or notary is required to handle the title transfer and make sure the mortgage is properly registered. Legal fees are often one of the larger closing costs—unless you’re also responsible for property transfer tax. 3. Taxes Many provinces charge a property or land transfer tax based on the home’s purchase price. These fees can range from hundreds to thousands of dollars, so you’ll want to factor them in early. 4. Insurance Property insurance is mandatory—lenders won’t release funds without proof that the home is insured on closing day. Optional coverage like mortgage life, disability, or critical illness insurance may also be worth considering depending on your financial plan. 5. Moving Costs Whether you’re renting a truck, hiring movers, or bribing friends with pizza and gas money, moving comes with expenses. Cross-country moves especially can be surprisingly pricey. 6. Utilities & Deposits Setting up new services (electricity, water, internet) can involve connection fees or deposits, particularly if you don’t already have a payment history with the utility provider. Plan Ahead, Stress Less This list covers the big-ticket items, but every purchase is unique. That’s why it pays to have an accurate estimate of your personal closing costs before you make an offer. If you’d like help planning ahead—or want a breakdown tailored to your situation—let’s connect. I’d be happy to walk you through the numbers and make sure you’re fully prepared.
Nice things people have said about working with me.
Download My Mortgage Toolbox
WHAT CAN YOU DO WITH MY APP
- Calculate your total cost of owning a home
- Estimate the minimum down payment you need
- Calculate Land transfer taxes and the available rebates
- Calculate the maximum loan you can borrow
- Stress test your mortgage
- Estimate your Closing costs
- Compare your options side by side
- Search for the best mortgage rates
- Email Summary reports (PDF)
- Use my app in English, French, Spanish, Hindi and Chinese
