Your Mortgage Expert

"Most banks offer a 'Limited Selection' of 5-6 mortgage products, No After Banking Hours Service, No Education to Improve Credit and Usually Take Days or even weeks to let you know If Your Mortgage is Approved..." "...at Mortgage by Darren you'll get access to over 40 Different Lenders, Personal Service 'After Banking Hours', and you'll get your Approval Notification  usually within 72 Hours of Applying!" We make finding a loan simple because we have virtually every loan program available, … Continue

The Mortgage Process

The Mortgage Process

Few purchases cost more than buying a new home. While there are advantages to owning your own home versus renting, it’s important to understand how the mortgage qualifying process works before entering into this large investment. You want purchasing a home to be a better deal than renting. The process isn’t complex. In fact it can be broken down into six easy steps. Step 1: The Initial Application All home purchases begin with the filling out of a loan application. You’ll be asked to provide … Continue

Why Use a Broker

Why Use A Broker?

Few people know that it is now possible to apply directly to the electronic mortgage market. We provide you with direct access to Canada top lenders. Better Representation A mortgage broker represents you, not the lender. The mortgage broker’s job is to seek the best mortgage package possible for your situation. This is what drives a mortgage broker’s business— finding clients mortgage products that suit their needs. A mortgage broker is also a skilled negotiator. He or she focuses on more … Continue

Apply for your Mortgage Approval

Apply Now – 3 Simple Choices

You have many choices when it comes to choosing the right mortgage. Be rest assured that I will do the research to ensure that you are both educated and well informed so you can feel confident you are making the right decision. I work for you and not the lender, so your complete satisfaction is my top priority, and best of all my service is free to you. You can contact me anytime via phone at 604.818.9262 or email me at: darren@mortgagebydarren.com should you have any questions or … Continue

Today’s Spotlight

4 Credit Score Myths Busted

Your credit score is a three-digit number ranging from 300-900 that tells future lenders how risky it is to lend you money based on your history of making debt payments. There are many misconceptions about what it takes to keep your score high. Henrietta Ross, the CEO of the Canadian Association of Credit (CACCS) to help us sort fact from fiction: Myth … More

Mortgages & the Fine Print

Property Purchase Transfer Tax

The Property Purchase Transfer Tax is a tax … More

Home Inspection

Never consider buying a home without having it … More

Appraisal

Whether you are purchasing a home or looking to … More

Title Insurance

Title insurance is a contract under which a title … More

Legal Fees

No matter how straightforward your home purchase … More

Latest Mortgage News

Year End Report – Michael Campbell – Verico Economic Consultant

Take a few minutes and read this interesting report by Michael Campbell.  He is one of Canada's most respected Business Analysts and also the host of Canada's top rated syndicated business radio shows, MoneyTalks.  Click below to download the PDF Year End Report - 2016 … More...

Five things to know after receiving a massive increase in your 2017 B.C. property assessment

Now that Lower Mainland homeowners have their 2017 property assessments in hand they may have lingering questions about how those values soared so high — single-family homeowners typically saw increases of 30 to 50 per cent — and what to do if they disagree with the … More...

Bank of Canada rate cut still on the table for 2018 – doesn’t mean mortgage rates will drop

There is no pressure in Canada to raise rates says VERICO Economist, Michael Campbell. "While 3rd quarter economic growth was good, the recovery in energy in the aftermath of production cuts due to the Fort McMurray fires played a huge part.  After consistently revising their … More...