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
James Mramor, Realtor
Good Realtor, Great Family Man
Good Realtor, Great Family Man
James Mramor is not just a GOOD guy, he has knowledge and experience in many different avenues when it comes to life, business and Real Estate.
First off a little bit of info about James! He is a 32 year old husband to his wife Cassie, father to a awesome little dude Reid, and a REALTOR to wicked clients!
When he was 19 years old he started his Real Estate career selling properties in White Rock, BC. After building houses in the area where he grew up, James fell in love with everything to do with Real Estate. Moving to Alberta when he was 25, he worked in the oil and gas industry for some of the Alberta oil giants in Leadership and managment positions. James has branched out into many areas but he found Real Estate to be what he wanted to dedicate his time to.
Good Realtor, Great Family Man
Good Realtor, Great Family Man
Good Realtor, Great Family Man
James is vibrant, organized and energetic.
· He goes above and beyond to help get clients what they want
· He understands the Real Estate market and he stays up to date on new trends.
· James can give you a current and realistic price for your house in the market you are in – no smoke and mirrors!
· Client comes first attitude – he will be very persistent in getting you what you want what ever it takes James will get it done!
· James is very family focused and understands the family dynamic
· James knows his local area– Stony Plain, Spruce Grove and Parkland County are the main areas he concentrates on but can always expand depending on what the client is looking for!
These are just a few areas that put clients at an advantage when buying and selling properties with James.
If you are looking for the Right guy, call a GOOD guy!
Featured Homes - Mike has YOUR Mortgage Solution
$1,150,000 - 10934 72 AV NW, Edmonton, Alberta
This an amazing opportunity to have up to 4 rental possibilities in one of the most prestigious areas of Edmonton. Steps away from the U of A, rubbing shoulders with the some of the best Doctors and Surgeons Alberta has to offer. This is McKernan! Walking distance to U of A Hospital, Stollery, the University of Alberta and Whyte ave. This home features a 1700+ sf 4 bedroom 3 bath main residence with a 2 bedroom 850+sf legal suite AND a 1300+sf front residence with a 600 sf 1 bedroom legal suite. The basement suites have 9’+ ceilings to make it bright and open with large windows. The electrical for this home has been trenched so no power lines in your backyard! There is so much to pack into this single listing you will have to see it to understand what this home actually has to offer!
$158,888 - #120 1820 RUTHERFORD RD SW, Edmonton, Alberta
The perfect ground floor condo in Rutherford with quick possession! Welcome to the Crossroads of Rutherford. This contemporary complex has wide hallways, fantastic curb appeal and is in an area that has excellent access to the QE2, Anthony Henday, ETS and a quick 15 min Drive to EIA! This 1 bedroom +den home is perfect for an investor looking to capitalize on the high rental market Edmonton has to offer, or the first time home buyer looking to break into the market in an exceptional location. The Crossroads at Rutherford is a complex that has the amenities you will use and need, not all the extra fluff you pay for and never use. It is well managed and a great investment This home is really private, in the quietest area of the building and it is a total stunner with 10’ ceilings!! Super bright, big windows and the perfect patio to enjoy life. If you are looking to live around the amenities Rutherford has to offer, THIS IS IT! Ask about the additional parking spot available as well!
$156,900 - 9223 Morinville DR, Morinville, Alberta
Whether you are a first time home buyer, a military relocation or a investor looking for that perfect rental, Morinville, is a bustling little town that is starting to compete with cities for the amenities that it offers. This amazing 3 bed/1.5 bath Townhouse backs onto Notre Dame Elementary and is surrounded by parks, it’s minutes to the Cardiff Golf course, stocked ponds for fishing in the summer and XC skiing trails/ice fishing in the winter! This home features a large kitchen, an amazing sunken living room and 3 well sized bedrooms upstairs, with the inflation fighting wood burning fireplace! The back yard is huge and fully fenced. Morinville's sense of community is unmatched to any town or city I have ever lived in. St. Jean Baptiste days are world class, with fireworks and a fair that adds a bustle into this perfect community! With the cost of renting going sky high and this condos low maintenance fees... you could own this home for less then it would cost to rent...just sayin’!
$450,000 - 45 GARNEAU GA, Spruce Grove, Alberta
This has to be one of the PINNACLE views in all of Spruce Grove! This former Picasso 22 show home has the perfect west exposure and was purchased, then upgraded to the nines! This half duplex is truly perfection by definition! 3 bedrooms, 2.5 bathrooms, double attached garage, stunning landscaping, a stunning Linear fireplace encased in a scallop tile and shiplap surround! Imagine the view You are in the kitchen, cooking dinner, and you look out the back window and there is a family of Pelicans on the pond. You sit down to eat, the birds land on the pond and fly from tree to tree, then you go and watch the sun set on your 2 tiered rear deck enjoying the hidden oasis. The views from the back of the house will blow you away! The deck was covered in DuraDek and has a weather covered storage area under the deck and a second tier composite deck just above your terraced lawn. This home is about living, style, entertainment and at the same time your perfect family home. Perfection only comes along so often!
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)
