Mortgage Broker Mike Toporowsky; helping build community in Spruce Grove.
"An independent Mortgage Broker can find your best mortgage fit."
Independent Mortgage Broker Mike Toporowsky, AMP
What Can Mike Do For You Today?
New and Existing Residential Mortgages
New and Existing Residential Mortgages
New and Existing Residential Mortgages
A suite of rate options to fit most budgets.
Fixed - Variable - Low down payment - Conventional and more.
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Commercial and Agricultural Mortgages
New and Existing Residential Mortgages
New and Existing Residential Mortgages
Farm loans, land banking, equipment lease loans, refinancing for agriculture, the accommodation industry and small businesses.
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Mortgage Investment Opportunities
New and Existing Residential Mortgages
Mortgage Investment Opportunities
Learn how the private mortgage market can provide the investment vehicle you've been looking for.
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Mike's April Featured Realtor®, Tina Badry
Buyers Representative
As your Buyer's Representative, we can make the process of house hunting much easier and more efficient than if you did it all yourself. We can help you get financing, guide you to local neighborhoods, help you determine your budget, and prioritize a list of essential features that you need in your next home. We'll save you valuable time by finding the properties that best suit your requirements, and will show you only the most promising ones.
Once you've found a place that catches your eye, we'll look at comparable properties in the area to help determine a purchase offer. Then we'll negotiate on your behalf with the seller to make sure you get the most favorable terms.
Once you've found a place that catches your eye, we'll look at comparable properties in the area to help determine a purchase offer. Then assist you through the entire process.
Sellers Representative
Selling a house on your own can be an overwhelming task. There's advertising to plan and budget for, open houses and private showings to arrange, purchase offers to negotiate, contract contingencies to worry about, and complicated paperwork to fill out. Make it easy on yourself by putting your home in the hands of a seasoned professional. I have extensive experience marketing properties and showing them to their best advantage.
First, we'll perform a comparable market analysis to determine the most appropriate price for your home. Then we'll provide home staging advice and suggest landscaping changes that will help draw buyers in. We'll advertise your home through a variety of methods, including local publications and online MLS® listings.
What they're saying about Tina
Here is just one example of a terrific Tina client testimonial among many found on the "Testimonial Tree" website.
"I had a very good experience dealing with Tina on the recent sale of a condo in Spruce Grove. Her knowledge of the local market was a great asset in getting above asking price for the property. Thanks for all your help and attention to detail. I have and would again recommend her services to anyone.
by Mike Madden
Thursday, February 27, 2025
Residential Mortgage Options
Mike has a plan that's right for you.
- Fixed rate CMHC/SAGEN/Canada Guaranty insured High Ratio Mortgages (low down payment or low equity)
- Variable rate mortgages (insured and uninsured)
- Manufactured Home financing
- Single family homes, Condo units (both apartment and townhome style), Acreages, farms and raw land
- Home Equity credit lines
- Reverse mortgages (Canadian Home Income Plan- CHIP for seniors 55 )
- Conventional Mortgages (20% down payment /equity, no-CMHC necessary)
- Residential construction mortgages (both bank or private lenders...whatever makes sense)
- Private mortgage financing (first, second, third and forth mortgages) for good and bad credit
- Access to Mortgage investment corporations and other licensed lenders
- Bridge and interim financing (short term financing)
- Completion financing (mortgages arranged to payout your construction financing)
- Foreclosure repair mortgages
- Lease To Own
- Refinance and equity take-outs
- Mortgage renewal reviews and switch mortgage (moving your mortgage to a different lender)
- Credit coaching (sometimes it takes time to get to your goal of home ownership, but you need to know what the banks expect.)
Take the first step.
Talk to Mike about your home ownership goals and if you're ready to make the leap. A free consultation is the first step to achieving your dreams. It costs nothing to know where you stand.
Mortgage Investment Opportunities
Individual investment opportunities
Individual investment opportunities in private mortgages (contact Mike directly 780-940-0604)
RRSP eligible private mortgage investment opportunities
Diversify your portfolio. Let's talk strategy
Commercial and Residential investment opportunities
Invest in Albertans rebuilding the provincial economy one commercial mortgage at a time.
Mike's Philosophy
If I would not feel comfortable lending this deal out of my own savings, I will not ask you to risk yours
Stay in the loop
We assist with any concerns both before and after the transaction (generally throughout the mortgage)
Please note
We do not allow pooled mortgage funds (syndicated mortgages) just one on one Borrower/lender mortgages
Commercial and Agricultural Mortgages
Mortgages for farming, small business and industry
- Bank financing for purchase of land and building
- Farm loans
- Factoring
- Motel/Hotel/Restaurant
- Land banking
- Commercial equipment leasing
- Refinance
- Raw land and commercial lot purchases
- Investment financing
- Private lending for commercial ventures
- a brokerage fee will be required for Commercial and Agricultural deals (dependant on type of deal and amount of mortgage)
Mike's Memberships
Mortgage Professionals Canada
MPC represents 15,000+ Mortgage Professionals nationally.
Alberta Mortgage Brokers Association
Alberta's Mortgage Brokers Association supports our province's Mortgage Broker community with education, professional development and advocacy.