We're local. We work right here in Niagara Region, Ontario, so we know Niagara Falls the way people who live in it do, not the way the brochures do. We know the market realities and what buyers and homeowners across the city are actually dealing with.
Whether you're buying your first place in Garner, renewing on a bungalow in Chippawa, or refinancing after a season of uneven hours, the goal is the same. We offer clear advice, no pressure, and a mortgage that supports your life.
Yes. We're based in St. Catharines and work across the whole of Niagara Region, Niagara Falls included.
Usually, yes. Lenders will generally want to see a track record of that income rather than a single strong year, and tip income needs to be showing up on your tax returns to count. It takes more paperwork than a salaried file, not more luck. We'll tell you upfront what a lender will want to see and which lenders are comfortable with variable income in the first place.
In Ontario these are licensing levels, not different jobs. Both are licensed to arrange mortgages for you and both are paid by the lender in most cases. Tyler Hibbs is a Mortgage Agent Level 2 with Mortgage Architects. What matters more than the title is how many lenders the person can actually take your file to.
Yes. A lower credit score narrows your options, it doesn't end the conversation. There are lenders who price for it, and there's often a path to move back to a better rate at renewal. We'll be straight with you about what it costs and how long it takes.
Yes. Your credit history from another country doesn't transfer, but several lenders have programs built specifically for newcomers. What you'll need is different from what a long-established buyer needs, and it's worth a conversation before you start house hunting.
No, and honestly it's better the other way around. Knowing what you can actually afford before you start looking saves a lot of disappointment. If you don't have an agent yet, we can point you to people in Niagara Falls we trust.
