I specialize in delivering strategic, client-focused mortgage solutions for home buyers and homeowners at every stage — from first-time purchases to complex financing structures. My service goes beyond simply finding a rate. I help clients understand affordability, optimize down payment strategy, access available incentives, and structure mortgages that support long-term financial success. I work closely with lenders across Canada to secure competitive terms and smooth approvals, even in challenging situations. Services include: ✔ First-time home buyer guidance and financing strategy ✔ Mortgage pre-approvals and rate planning ✔ Purchase, refinance, and renewal solutions ✔ Complex income and credit scenarios ✔ Investment property financing ✔ Personalized advice from application to closing Proudly serving clients throughout Surrey and British Columbia with professional, responsive, and results-driven mortgage expertise.