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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Feature Home Realtor - One of Mike's Many Contacts
Edson Realtor Chablis Lyster; In Her Own Words
Edson Realtor Chablis Lyster; In Her Own Words
Edson Realtor Chablis Lyster; In Her Own Words
I have called Edson my home for 10+ years and know the area well. Edson is a welcoming community and I am proud to help my client's with one of their biggest life decisions - Buying or selling a home! I have a background in Insurance and Banking - which led me to my love of Real Estate, and helps me give meaningful information to my clientele.
Call Chablis now @ 780-728-7116
Edson Realtor Chablis Lyster; In Her Own Words
Edson Realtor Chablis Lyster; In Her Own Words
With my knowledge of the market, real estate expertise and negotiating skills, I will help you get the best possible deal and handle all the critical details! If you're selling, I will help you understand market factors that may influence price, preparation and the promotion of your property so that you can make an informed decision that best benefits your needs. If you would like to make your home ownership dreams become a reality, or have any questions - give me a call!
Mike's Featured Listing from Chablis Lyster
Privacy, Peace and Space for $495,000
Nestled on 12.9 acres along the East Bank Road, this 4-bedroom, 3-bathroom split-level home offers both space and privacy with stunning views of the McLeod River. The home features two separate living areas, making it ideal for extended family, guests or entertaining. The main living space includes 3 spacious bedrooms, 2 bathrooms, kitchen, and a bright living room perfect for entertaining or relaxing.
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But wait, there's more!
The second living area, with its own entrance, offers 1 bedroom, 1 bathroom, and a kitchen and living room, providing a cozy and private retreat. Outside, enjoy the peaceful setting with a private yard and the tranquil views of the river, making this property a perfect blend of rural charm and comfort.
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
Alberta Mortgage Brokers Association
Alberta Mortgage Brokers Association
MPC represents 15,000+ Mortgage Professionals nationally.
Alberta Mortgage Brokers Association
Alberta Mortgage Brokers Association
Alberta Mortgage Brokers Association
Alberta's Mortgage Brokers Association supports our province's Mortgage Broker community with education, professional development and advocacy.