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 Featured Realtor for October
Sarah Leib - Re/Max River City
Your "Senior Friendly" Realtor in Greater Edmonton
Your "Senior Friendly" Realtor in Greater Edmonton
Designated Seniors Real Estate Specialist® (SRES®) Sarah Leib.
"Navigating the real estate market as a senior has unique challenges and opportunities. Whether downsizing, relocating, or adjusting to new life circumstances, an SRES® can make a significant difference. I bring specialized knowledge tailored to the over-50 market, ensuring your transaction is handled with expertise and empathy."
"I make myself available at all times. My web site is here to help you 24 hours a day. You can search listings at your own convenience, browse reports, and read up on real estate info on your own terms."
Your "Senior Friendly" Realtor in Greater Edmonton
Your "Senior Friendly" Realtor in Greater Edmonton
Your "Senior Friendly" Realtor in Greater Edmonton
Sarah purchased her first home over twenty years ago which has slowly grown into a portfolio of real estate holdings which includes multiple single family homes as well as apartment buildings. Her deep understanding of the industry has given her the wisdom to help her clients with strategies unavailable to many of her competitors. She won’t rest until she’s given it her best.
" When you are ready to see a listing in person, or just have a simple question, please don't hesitate to contact me!"
Mike's October Featured Listing via Sarah Leib
OUTSTANDING IN OLIVER!
Welcome to this meticulously maintained home in The Athabascan, offering breathtaking RIVER VALLEY & DOWNTOWN CITY VIEWS from its SOUTH FACING Balcony.
Enjoy a spacious, open-concept floor plan w/ versatile living space - ideal for a living room, work-from-home area & dining room. Condo is CARPET-FREE & includes one UNDERGROUND PARKING STALL and convenient IN SUITE STORAGE.The CONDO FEE INCLUDES ALL UTILITIES (heat, water, electricity).
Amenities are top-notch, featuring two SAUNAS, FITNESS CENTRE, social room, & an expansive outdoor patio w/ gardening facilities & cooking space. Perfect retreat in a tranquil setting! Very Walkable - most errands can be accomplished on foot. Many restaurants/cafes (too many to list!), grocery stores, shopping (Brewery District, Oliver Exchange Building, 124 Street & High Street) & services (banking, salons, doctors) are nearby. Easy access to Transit, Trails, University of Alberta & MacEwan University. The well run Condo Association is a huge bonus.
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.