Stressed About Buying a New Home? Talk to a professional

Mortgage Brokers Can Answer Your Financial Questions

Are you confused and stressed about buying a new home? Do you have questions about the changing mortgage rates? Then it’s time to talk to a professional mortgage broker. If you’re worried that you’ll get tied into making a deal that makes you feel uncomfortable, don’t be. The consultations are absolutely free and you are under no obligation to go further than just listening and learning about the mortgage process. At Verico iMortgage Solutions, we will walk you through the mortgage broker process and will offer you the guidance and expertise to help you to make the right choice. And we will always strive to protect your best interests.

You Have Mortgage Options

The discussion about mortgages isn’t something you do every day. If you are a first-time homebuyer, this may be the first time you have ever considered how you will finance the purchase of a house. We will ask you questions about your current financial position and will explain the mortgage options available to you in detail.

You Can Save Money

Verico iMortgage Solutions partners with a number of lenders, and as such we will always get the best deals for you. If you choose us, you will be rewarded with high approval rates, low-interest rates, and no down payment mortgage options. Over the term of your mortgage that will translate into significant savings using our services.

You Can Save Time

Interviewing several banks, lenders, or credit unions on your own is possible but it can also be confusing and time-consuming. Banks can only offer the products they sell. A mortgage broker, on the other hand, works with many lenders and can offer a broader range of options. So, you can save your valuable time and let us find you the best deal.

Get Help Negotiating for the Best House Mortgage Rates

Even if you have the requisite knowledge of deciding on the best deal, you may not be able to strike the best rate without the right expertise and experience. We negotiate with the lenders every day and you can rest assured that we will get you the best house mortgage rates.

Understand the Mortgage Broker Process

With the right kind of expertise and experience and the relevant knowledge on mortgage loans, we can effectively guide you through the entire process of buying a home. We will assist you in deciding what kind of loans to take, find the perfect loan for you, and will also help you do the necessary paperwork and file it for you.

Do you have questions about buying a new home?  Contact us, then buy your next home with confidence.

Calgary debt consolidation help

In 2014, Calgary mortgage broker Steven Crews, from Verico iMortgage Solutions, did a series of radio broadcasts about mortgages and mortgage financing for Shine FM. Have a listen and you’ll pick up some helpful tips…

Down payment requirements for mortgages in Canada

In 2014, Calgary mortgage broker Steven Crews, from Verico iMortgage Solutions, did a series of radio broadcasts about mortgages and mortgage financing for Shine FM. Have a listen and you’ll pick up some helpful tips…

Historically, first-time buyers were the only groups permitted to get a mortgage with a 5% mortgage down payment. Now everyone can purchase a home, whether it’s your first or next home, with a 5% minimum mortgage down payment.

Recently, I heard from a few clients who thought that they needed 10% down to purchase a home. They thought that only first-time home buyers could purchase with 5% down.

In fact, anyone can purchase a home with as little as 5% down. When you purchase a home with less than a 20% down payment, it’s called a High Ratio Insured Mortgage. A High Ratio Insured Mortgage, is insured by one of either CMHC, Genworth or CG. The insurance is for the bank, in case you can’t make the mortgage payments, and allows them to lend more than 80% of the value of the home.

Providing 20% or more as a down payment is called a conventional mortgage. Typically, the bank doesn’t require any insurance to lend up to 80% of the value of the home.

Last year, the government made some changes to the lending regulations and High Ratio Insured Mortgages. Today, if we want to refinance a home that we currently own, we can only refinance up to 80% of the value of our home with most lenders in Canada. That means it takes 5% down to purchase but 20% in equity to refinance.

Do you have a question or topic that you would like to learn more about? Let me know. If your question or topic is used on the ShineFM Mortgage Expert segment you will receive something special!

Second Mortgages

Are you planning to invest in a new house and are thinking of applying for a home loan? Since your mortgage broker will provide you with a host of lenders according to your home loan requirements, it is crucial that you select an experienced, accredited, and proficient broker. Verico iMortgage Solutions is one of the finest mortgage brokerage companies in Calgary who can provide you with the perfect solution whether it comes to pre-approved private or second mortgages, refinancing, or home equity loans along with a Canadian home customized plan.

Here, are 3 crucial things to keep in mind while choosing your mortgage broker. Take a look.

  1. Recommendations

Do not go for a random selection while choosing a broker from the unsolicited adverts and online searches. Take recommendations from reliable family members, friends, or acquaintances who have prior experience in dealing with a similar financial situation and have been rewarded with the efficient service of a broker.

  1. Understanding

Such financial matters can be a little overwhelming and complicated to understand, especially if this is your first encounter with the process of home loans. Choosing a good mortgage service like ours will enable you to get a better understanding of these issues involving complex mathematical calculations and other monetary ideas with our highly communicative and competent staff who will be patiently answering to all your queries, along with updating you from time to time with latest developments.

  1. Options

If you have a number of lenders before you, it becomes easier to choose from a wide range of loan options. Therefore, you must opt for a mortgage broker service that partners with various kinds of lenders and provide their products to the borrowers.

So, what are you thinking? Quickly give us a call at (403) 870-2669 and get started with your project of a dream home. Our expertise and services have an unrivalled match in the market and we will surely not disappoint you.

Alberta, Calgary Home Equity Line of Credit

Are you planning to purchase your “dream home”? Or are you willing to improve your home’s aesthetics? If yes, then be ready to splurge quite a lot of money. After all, buying or revamping a house is not just a mere payment, it’s an investment.  Don’t have much bank balance to buy or improve a house? No worries; there’s a simple thing that you can do. Just opt for a home equity line of credit. If you are thinking that it’s just another home loan, then you are mistaken. There’s a huge difference between these two loans.  A home equity line of credit is a type of loan in which the money lender agrees to lend a huge sum of money within an agreed period or term. If you are thinking that there are no such companies that can provide this loan in Alberta or Calgary, then you are mistaken. There are quite a few companies that can provide such loans. But, there’s one company that most people living in these two areas rely a lot on. Wondering which company is that? It’s none other than My Mortgage Broker.

Kinds of Home Loans/Mortgages That My Mortgage Broker Can Provide

One of the main reasons why people living in Alberta and Calgary prefer choosing My Mortgage Broker is because of our experience. The company owner/founder Mr. Steven Crews has an experience of working as a mortgage specialist for 15 years in quite a few banks. So, you can be rest assured, the solution he is going to provide you regarding loan and mortgages will be apt.

Apart from providing home equity line of credit loan, our company is also well-known for providing other loans/mortgages such as:

  • We Provide Refinance– If you are one of those homeowners who already have a mortgage, but want to search for other refinancing options just to refinance your mortgage at a lesser interest rate, then we can easily help you out. How? We will provide Refinancing to you, which will allow you to pay off your mortgage in an appropriate manner. We will also guide you to choose the ideal terms, in case you would like to refinance your home.
  • We Provide Pre-Approved Mortgage– If you have decided to purchase a new home and you want to develop a proper, step-by-step plan that leads to a successful deal, then opting for a pre-approved mortgage will be wise. Why? It’s because you need to be certain whether you can obtain financing or not. Plus, the pre-approval mortgage will also provide you with an understanding of how much you can spend. To know more about a pre-approved mortgage, call us at (403) 870-2669.

Now, when you know that we are so much versatile and can help you purchase or revamp your dream home, then wait no more. Immediately contact us. Our reputed mortgage broker will help you out at ease.

Alberta, Calgary Home Equity Line of Credit through My Mortgage Broker frees up credit in your home for other uses. Contact us today for more details!

Alberta, Calgary Debt Consolidation

Are you finding it difficult to pay off your unsecured debts? Well, then the ideal thing that you can do in such a situation is consolidating debts. Have no idea what this means? Well, debt consolidation is basically a process of merging all your unsecured debts into a single, monthly payment. Wondering, how this process can be done? That’s simple; all you need to do is take a debt consolidation loan. In case the bank turns down your request for your not-so-pleasing payment history or other reasons, then contact a reputed mortgage expert/broker. Don’t know about any mortgage expert/broker in Alberta or Calgary? Don’t worry; there are numerous companies in these areas, which are owned by mortgage experts. One such company is My Mortgage Broker.

2 Reasons to Choose My Mortgage Broker

Wondering why would you choose Steven Crews’s company ‘My Mortgage Broker’, when there are so many other companies all across Alberta and Calgary? Well, then here are some really good reasons to choose us.

  • Experience- Our mortgage expert/broker, Mr. Steven Crews has immense experience in this field. Before he started his own business as a mortgage broker, he worked for several banks as a mortgage specialist for at least 15 years. So, you can pretty well understand that he is really capable of helping you out in paying off your unsecured debts easily.
  • Wide Variety of advantages- We are one of those very few mortgage companies that can provide a wide variety of advantages. Some of the advantages that you will receive if you choose us include low Interest and high approval rates, no down payment mortgages, credit repair services as well as ongoing mortgage assistance. In fact, you can also get attentive and personalized services from us.

These were the two main reasons to choose our company, My Mortgage Broker. To know more about us, please give us a call at (403) 870-2669.


Alberta, Calgary Debt Consolidation services from My Mortgage Broker provide you a way out from under debt. Contact us today for more details.

Alberta, Calgary Best Mortgage Brokers

If you are considering buying a new home, you have to make certain financial choices. We, at My Mortgage Broker (Verico), have the right expertise, knowledge, and guidance to advocate your best interests and negotiate the best possible terms of a home mortgage for you. With our unparalleled level of expertise, high approval rates, ongoing Mortgage assistance, credit repair services, lower rates of interest, no down payment mortgages and highly attentive and personalized service, we are certainly one of the best mortgage brokers in Alberta, Calgary.

Here, are some of the brilliant services with which we can help you.

  • Pre-Approved Mortgages

Getting a pre-approved mortgage is the first step towards purchasing your home so that you can obtain the requisite financing and have an idea about your spending capabilities. You will also be able to reach a stronger negotiating position when you start the process earnestly because now, the agents, as well as the owners, will know that you have secure financing options available. We can help you with a pre-approved mortgage and also negotiate in your favor most efficiently.

  • Refinance

Do you already have a mortgage? Then, you may want to consider refinancing your mortgage at a lower rate of interest. This will also enable you to pay off your mortgage more timely. And we, at My Mortgage Broker (Verico), can guide you with the best possible terms regarding refinancing your home.

  • Home Equity Loans

If you have significant equity in your home, you will be able to take out a home equity loan. This kind of loans can help in paying off high-interest credit cards as well as consolidate your debt at a lower interest rate. You will also be able to finance for bigger plans like future studies of children, home improvement etc. We can provide you with the right terms and expert advice regarding a home equity loan.


Apart from these, we also offer a Canadian Home Customization Plan allowing you to add funds to your mortgage if you have a home customization plan in mind. In order to get our expert services or gain further information about us, please visit our website or give us a call at (403) 870-2669 now.


Alberta, Calgary Best Mortgage Brokers are found at My Mortgage Broker. Contact us today for details on services from Alberta, Calgary best mortgage brokers.

Alberta, Calgary Home Mortgages

Are you buying a house for the first time? Then, it might be quite an overwhelming task for you since you might not be quite aware of all the intricate details involved in acquiring a home loan. However, this is why you have mortgage brokers for help. We, at My Mortgage Broker (Verico), offer trusted mortgage broker service operating in Alberta, Calgary with the right qualification and experience that can advocate all our clients’ interests and also negotiate the best terms of a home mortgage for them.

Since a mortgage broker will help match your home loan requirements with a host of lenders, it is crucial to choose a knowledgeable, accredited broker who can provide you with a wide selection of lenders. Here, are a few vital tips that you need to keep in mind while choosing a mortgage broker.


  1. Get Recommendations: You should never randomly select a broker from unsolicited advertisements or merely browsing online. Always take referrals and recommendations from trusted sources that have faced a similar financial situation before and have gained fruitful service from a broker before.
  2. Effective Communication: These kinds of fiscal issues are highly complicated and can be tedious to deal with, especially for those who have not yet been exposed to the home loan process before. If you select a good mortgage broker services like us, you will be effectively communicated regarding complicated mathematical calculations and other monetary concepts. Along with this, two very important signs of a trusted broker is he or she should be patient with the questions of the borrower and at the same time, must value the time of the borrowers. Even the busiest of brokers should be corresponding with you from time to time, keeping you updated.
  3. Wide Arena of Loan Options: You should choose a company like us that can provide you a variety of loan options. Since we work with various mortgage lenders, we can provide you with multiple products so that you can choose from an extensive range of loan options.

Along with an unparalleled expertise and personalized service, My Mortgage Broker (Verico) offers you ongoing mortgage assistance, high approval rates, low rates of interest, credit repair services and no down payment mortgages. So, why delay? Call us immediately at (403) 870-2669.

Alberta, Calgary Home Mortgages from My Mortgage Broker are a sound investment in your future. Contact us today for details.

Alberta, Calgary Home Equity Line of Credit

The equity in the home is indeed the difference amid the sum you owe the mortgage lender and the worth of the property. The HELOC or the home equity line of credit will enable you in borrowing against the equity of the home in making discretionary purchases or paying off the debt. This credit akin to a credit card will allow you in borrowing to the present limit. The fact is when you pay the credit line you will be capable of using the credit again when you need it. It is called revolving debt. If you wish to reap the financial advantages of HELOC call us at My Mortgage Broker. Our service areas include the different parts of Alberta and Calgary.

Benefits galore

When you invest in home equity line of credit from us you can benefit in the following ways,

  • The interest rates charged by HELOC are lower compared to those charged via short-term loan providers and credit card companies. By using this credit for paying the highest interest debts, automatically you will be capable of paying off the debt slowly devoid of struggling with the rising charges of interest.
  • HELOC lenders will not require in paying the principal every month. If one is facing a financial bind this will prove beneficial as you can pay just the charges of the interest till the recovery of the finances.
  • The IRD will help you in claiming the interest that you pay on the home equity line of credit in the form of a tax deduction.
  • Lastly, your HELOC will work wonders in increasing the credit score.

To know more call us right away. For your convenience, we are at your service 24/7 both online and over the phone. Be rest assured you will never regret on your decision.

Alberta, Calgary Home Equity Line of Credit from My Mortgage Broker is affordable and handy! Contact us today for Alberta, Calgary home equity line of credit.

Alberta, Calgary Debt Consolidation by My Mortgage Broker

Debt is an extremely challenging thing to handle. It can result in more debt and make things worse. At times it is simpler in converging smaller debts into a single large debt which is known as debt consolidation. If you wish to reap the benefits of this miracle, call us at My Mortgage Broker. Our experts are licensed, certified and experienced and thus can help you in every step of the way to help you make an informed decision. People residing in any part of Alberta and Calgary can make the most of our services.

Benefits galore

Some of the benefits of debt consolidation are as follows,

  • Financial Simplicity- any form of debt big or small, can make life more complicated and increase stress level. To consolidate debt into a single loan will help to solve all these problems. Just a single related bill will be received every month that will make the math easier along with nullifying the stress which comes from getting a new bill.
  • Low interest and payment rates- the debts arise from different places a few of them is often through a business which do not specialize in financing like jewelry shops and car dealers. The rate of interest on these debts is likely to be high. But when all these debts are consolidated into one with a minimal rate of interest, the average rate of interest will be reduced and this in turn will make the sum owed monthly quite low.
  • Set financial goals- during a debt situation to find a goal can be hard. There are lots of bills with each having its respective goal related with it. It is here where debt consolidation can help by creating one goal which gets closer each month. Although this may take some effort and time, but the debt eventually will be paid off in total.

To know more call us today.

Alberta, Calgary Debt Consolidation by My Mortgage Broker saves you money and hassle. Contact us today for more details!

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