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
Tina Badry, Century 21 Masters REALTOR®
"As a second generation in the Real Estate Industry, I have been exposed to nearly every aspect of the Real Estate business. If you're thinking of selling or buying, let's work together to position your property for a speedy sale at TOP DOLLAR or find your next DREAM HOME! " - Tina
Tina Badry; Not Your Average REALTOR®!
"I'm here to help you throughout your entire home buying and selling process. Trying to do it all on your own can be burdensome. I'll find you homes within your price range, help you find buyers, assist you with paperwork, and more.
My dedication to exceptional client service does not cease with the completion of the sale. I pride myself on providing continued client satisfaction long after the initial transaction as I continue to serve your best interest. In an ever-changing market, I know that it is imperative that both buyers and sellers are consistently provided the most up-to-date information necessary to make the most accurate of decisions." - Tina
Mike's Featured Listing
4412 Yeoman CL, Onoway, Alberta
Welcome to this beautifully maintained 1400 sqft BUNGALOW with a DOUBLE attached GARAGE in the heart of Onoway! Wheelchair-accessible with lifts in the garage and off the deck. Offering 5 bedrooms and 3 baths, including a peaceful primary bedroom with ENSUITE. Main floor has 3 bedrooms, main 4 piece bath, SPACIOUS kitchen with dining area, filled with NATURAL light, GRANITE countertops, large island, and ABUNDANT cabinetry-perfect for entertaining. BRIGHT spacious living room with a cozy gas FIREPLACE, filled with natural light. Back doors leads to the deck and PRIVATE yard surrounded by mature trees and lush greenery. FULLY finished basement with family room, workshop, laundry, 4 piece bath, 2 bedrooms and extra den/playroom. Central vacuum system installed (unit/attachment's not included) and NEW hot water tank! Enjoy PEACEFUL living in a quiet, family-friendly CUL-DE-SAC with schools near by and every day amenities! A RARE opportunity to own a well-appointed, accessible home in a desirable location. (33978507)
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.