Mike Toporowsky; helping build community in Spruce Grove for 20+ years.
"I will find the best mortgage fit for your unique situation"
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 Feature Realtor
Alison Peyton, Realtor
Alison Peyton, Realtor
Alison Peyton, Realtor
"If you're buying, I can enhance your search process by helping you uncover what you may not have considered, whether it is schools, lifestyle, or the investment value of the property. Using our property search tools, you will be able to find the home that best meets your needs. Finally, 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."
Century 21 Twin Realty
Alison Peyton, Realtor
Alison Peyton, Realtor
"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. I will then present you with a customized marketing plan using state-of-the-art technology tools to reach the broadest market, both locally and internationally, for your property so that you can secure the best offer. With CENTURY 21® as one of the largest global real estate brands and our Realtors' focus on the local market, I am confident that it will position you for success in your property sale. "
Mike's Featured Listing; Two Titles, One GREAT Package!
Title One; The Land - Your own piece of heaven
Title Two; The Cabin - Rustic and ready for fun
Title Two; The Cabin - Rustic and ready for fun
Enjoy being away from it all on this secluded river front property on the McLeod River in this Featured Listing from Century 21 Twin Realtor, Alison Peyton. The land totals 6.03 acres with a shared approach. There is a current appraisal available upon an accepted offer. The land and cabin are being sold as a set.
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Title Two; The Cabin - Rustic and ready for fun
Title Two; The Cabin - Rustic and ready for fun
Title Two; The Cabin - Rustic and ready for fun
This riverfront property is ideal for nature-lovers looking for a cozy cabin with land. It is on the MacLeod River with easy water access from each acreage also an ISLAND access off the front of the property into the river! ONE OF A KIND!!! There is a spacious, open-concept living/dining room with a charming wood-burning fireplace. The property is a 15-minute drive east of Edson on paved roads. A new fresh water pump and pressure tank were installed earlier this year. Also a brand new septic 2021. BRAND NEW Hot Water Tank in 2022. Water tests available upon accepted offer.
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)
