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 Realtor - One of Mike's Many Contacts
Century 21 Twin Realty Edson Realtor Chablis Lyster
Call Chablis for a full slate of real estate services
Call Chablis for a full slate of real estate services
Bringing a wealth of experience as a licensed Realtor since 2018, Chablis Lyster seamlessly blends her roles as a dedicated mother of two, a loving wife, and a community advocate in Edson. With a background in insurance and banking, she's well-equipped to guide you through the intricacies of the buying and selling process.
Chablis has called Edson home since 2011 and deeply cherished the vibrant community she's a part of. Her commitment to creating lasting connections extends beyond real estate transactions; she’s a proud hockey and swim Mom, actively involved in community events and a source of support for local initiatives.
Crafting Dreams, Teeing Off and Making waves: Beyond the real estate realm, Chablis is a creative soul who finds joy in crafting, an enthusiastic golfer, hitting the greens, and a dedicated supporter, cheering on her kids in hockey and swimming competitions. Her multi-faceted interests reflect a well-rounded approach to life.
Call Chablis for a full slate of real estate services
Call Chablis for a full slate of real estate services
Call Chablis for a full slate of real estate services
Your Trusted Partner in Real Estate
Whether you're a first-time horne buyer or a seasoned investor. Chablis Lyster is your reliable guide. Her unique blend of personal touch, professional expertise, and genuine love for real estate ensures a seamless and enjoyable journey in achieving your property goals.
Join Chablis on the Exciting path Of Real Estate - Where Dreams Meet Homes
Mike's Featured Listing
4621 5 Avenue Edson, Alberta
Welcome to this charming one-and-a-half-story home offering four bedrooms and a beautifully updated bathroom. This move-in-ready property features a private deck ideal for relaxing or entertaining, along with a fenced yard for added privacy. With convenient back-alley access, this home seamlessly blends classic charm with modern comfort. Don’t miss the chance to make this inviting property your new home! (31448337)
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.