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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Featured Realtor - One of Mike's Many Contacts
John Acevedo - The Acevedo Team
John Acevedo - The Acevedo Team
John Acevedo - The Acevedo Team
John has lived in Alberta for over 20 years and the last 11 years in Spruce Grove. John loves Spruce Grove and has immersed himself in the Parkland area. This is shown by Coaching and Managing Soccer and Football Teams, President and Dancer with Parkland Ukrainian Dancers Society, running for Alderman and Leadership roles at Spruce Grove Alliance Church. John comes to real estate with over 20 years of professional sales and marketing experience. His dedication to customer service has given John a reputation for excellence; his clients come first.
Kim Acevdo - The Acevedo Team
John Acevedo - The Acevedo Team
John Acevedo - The Acevedo Team
Kim Acevedo works alongside her husband, John. Having completed her license in Real Estate, she is now able to provide greater assistance to John and maintain further customer service to clients. Throughout her career, Kim has gained years of experience working in an atmosphere where professionalism and confidentiality is of top priority to her clients. This invaluable experience of handling unique personal situations has prepared her for a new career in Real Estate. Kim is looking forward to working with the NORALTA team as well as helping you through the process of buying or selling your home.
Featured Listing
$720,000 - 7 52212 Rge Rd 274, Rural Parkland County
Beautiful Bi-Level on 2.99 Acres just South of Spruce Grove with 50' x 29' Quonset. Located in the sought after Subdivision of Garden Grove Estates. NEW Paved Road to Property. Spacious Home Shows 3,235 Sq Ft of Developed Space with 6 Bedrooms.
Large, well-appointed spaces
There are 3 Bedrooms on Main Level & 2 Baths. Open Concept Main Floor Shows Re-finished Hardwood. Vaulted Ceilings in Living Room/Dining Room with access to South Facing 70' Deck with Hot Tub and Lower Deck.
Awesome amenities inside and out
Custom Cabinetry & Center Island in Kitchen. Large MASTER Bedroom has Walk-In Closet, 5 PC Spa-Like Ensuite with Jet Steam Shower/Tub & Access to 70' Deck. Main Floor Laundry. Radiant Heated 25' x 23' Garage with Mezzanine. In-Floor roughed-in for Garage. Fully Landscaped with Garden Area. Quonset has Power and 13' 4" Door. New Shingles in 2020.
Alternative energy heating
Recreation Room in Basement with Wood Stove that Heats the Whole Home. There is a Wood Room & Chute for Clean Wood Burning.
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)
