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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Feature Home Realtor - One of Mike's Many Contacts
Allison Steed - EXP Real Estate
Knowledgeable. Experienced. Enthusiastic!
Knowledgeable. Experienced. Enthusiastic!
"Are investment or income properties your thing? Great! They're mine too, and I have excellent resources and knowledge to help you make the right choice!! Helping you achieve your real estate dreams is my only goal, and I strive for excellence! Communication, market education and your wants/needs are the pillar of my relationship with my clients. I believe in creating a life you love - camping with friends, riding my motorcycle, enjoying our many lakes and enjoying the "acreage life" is where you'll find me!! " - Allison
Knowledgeable. Experienced. Enthusiastic!
Knowledgeable. Experienced. Enthusiastic!
Knowledgeable. Experienced. Enthusiastic!
"Whether you are buying or selling a home, I have the experience and drive to help you. I am devoted to understanding my client's needs, providing exceptional real estate experiences, and ensuring the process of buying and selling a home is a positive one." - Allison
Mike's Featured Property for November
An Attractive Listing from Allison Steed of EXP Realty
Welcome to Webber Greens!! This home is in a great location, close to schools, shopping, restaurants, parks, and transit!! Original owner home since 2018, with great features and upgrades including a spacious foyer, with half bath and laundry.
Kitchen Upgrades Add Pop!
The upgraded ceiling-height soft-close kitchen cabinets, quartz counter tops and black stainless appliances make this kitchen stand out from the rest! All lovingly maintained and ready for you to enjoy!
Ready For Anything!
Cozy up to the electric fireplace, centred in the family room. And enjoy ALL the BBq's on the back deck with direct gas hook up, and hot tub ready rough-ins.
Primary Suite is Sweet!
The spacious primary suite has his and hers walk-in closetsTwo more spacious bedrooms and a full guest bath finish off your upper level.
Perfect for a Family
Two more spacious bedrooms and a full guest bath finish off your upper level.
"Blank Canvas" Lower Floor
The lower level is unfinished, ready for your personal touch, home gym, or all storage, roughed in for bathroom. Check it out! You can be moved in before Christmas!
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.