Welcome to my Mortgage Professional site

MORTGAGE CALCULATOR ENTER YOUR MORTGAGE INFORMATION Payment Frequency: PLEASE CHOOSE Monthly Semi-Monthly Bi-Weekly Weekly Amortization Period: Year(s) Mortgage Amount: $ Interest Rate: % (e.g. 5.75) Mortgage Payment: The Mortgage Professionals is Kingston's largest mortgage brokerage firm.Founded in 1989, we process mortgages for clients in the seaway region from Kingston to Brockville. We also serve clients across Canada through the internet. We have 17 brokers and 9 support staff in 5 offices and process over 275,000,000 in mortgage annually. I am not interested in processing your mortgage for you just once. I want to be your mortgage advisor for life. As I have been in the business for over 20 years ,I have clients all across Canada and around the world who own property here. I would like you to become part of of my client family. Since 2002 I have written an economic newsletter for my clients that keep them up to date on what is happening in the mortgage market . My newsletter is especially welcomed by my variable rate clients, so they can make the best decisions on their mortgage to save them money now and in the future. Copies of my newsletters can be viewed on The Mortgage Professionals Market Commentary page. If you would like to become part of my newsletter program ,you can sign up on that page. While there are many mortgage brokers out there today, there are few Mortgage Professionals. I would welcome the opportunity to earn your trust and become your Mortgage Professional. Contact me today to setup a meeting or get started right away by submitting an online application form (see link above).

My Bio I worked for a major chartered Bank for 16 years.I then spent three years running a fishing store called" Fishin Buddies" in Ottawa.After 3 years of 17 hour days 6 days a week I sold out my interest and went back to my finance roots.I opened a mortgage brokerage operation for another company and moved back to Kingston.Nine months later that company was placed in receivership and I was out of a job.I bought the furniture from the receiver and I decided to open my own mortgage brokerage firm.For the first two months, we operated out of my garage at home until our new premises were ready.Business began each morning when we plugged the phones into my house line and we opened the garage doors.Thank goodness it was summer! We opened in September 1989 with 3 staff.Today after almost 20 years and several evolutions,I have two partners,26 staff and we operate throughout Eastern Ontario. I am a Fellow of the Institute of Canadian Bankers(1975).I am also a founder of our National Association CAAMP(Canadian Association of Accredited Mortgage Professionals.I hold my Accredited Mortgage Professional designation through CAAMP. I am also a member of the Independent Mortgage Brokers Association of Ontario and hold my Certified Professional Mortgage Broker designation. I am the chair elect the National Advisory Council for Verico Canada Inc. I have two children.My daughter works for HSBC bank in London,England and my son works with me here in the business as a broker. I have been married for 36 years to my wife Carol whose support over the years has allowed me the opportunity to be where we are today.

Mortgage Professional Services

Pre-Approvals: If you are thinking about purchasing a home, I can obtain a pre-aproval for you and guarantee your interest rate for 120 days. If you think you may not qualify or are not quite ready we can set up a plan to get you into home ownership sooner than you think.

Purchasing: If you have purchased a home, I can search the market for the best mortgage solution for you. Even if you have already been pre-approved at your bank, I can often find a better interest rate for you.

New Construction: Construction mortgages involving progress advances can be tricky and every situation is somewhat unique. Many lenders, including some major banks, don't even offer this type of financing. We work closely with the ones that do and can offer the most competitive rates in the market.

Cottage Financing: I now have access to 95% financing for a cottage purchase. It can be water access and does not need a well or septic. There are some criteria for the dwelling and I can provide you with a list of these. ...more

Student Rentals: There are several options available for financing a student rental. If one of the students is a family member then you can finance 90 or 95% of the purchase price. Some conditions apply. ...more

Rental Financing: Generally you need 25% down to purchase a rental property but there are some other options available. If you are looking to enter the rental market we can determine the best plan for you. ...more

Renewing: Did you know that you can "switch" your mortgage to another financial institution at renewal time at no cost to you? I can book an interest rate with another lender 120 days prior to your maturity date. This is very important when interest rates are increasing. ...more

Refinancing: If you are thinking about taking advantage of the equity in your home and refinancing to pay out some debts, renovate or purchase another property, a new mortgage at today's low rates often has little impact in your current payments and can save you thousands in interest on credit cards and higher rate loans. You can finance up to 95% of the value of your home for any purpose. ...more

Self-employed Borrower: If you are self employed with good credit and have 5% down from your own resources then we may be able to finance a purchase at prime rates with no need to prove income. You just need to prove at least 2 years of self-employment and no income tax arrears.

U.S. Residents: If you are a US Resident looking to purchase a property in Canada, we have lenders interested in financing the purchase. ...more

Credit problems: We have many lenders that will overlook past credit problems. We can also set out a plan to work through the credit bureau and get you on the right track. ...more

For more in depth information on any of these products or services you can visit the corporate site at www.mortgageprokingston.com or contact me directly at the numbers and email above.

| home page | mortgage application |	admin