Pat Dell is our newest member, the first person in Regina to open a mortgage brokerage, and the first female broker in Regina!

There are 2 types of mortgages. The first require you to put down 5-20%, insured by CMHC. The other doesn't come with insurance and has higher rates. 

The usual issues apply: credit score. Scores range from 300-900, the higher the better, with 650+ being good, 700+ being great, and 800+ being excellent. The more you pay credit lines on time (and ideally in full), the higher your score.  Try to avoid reaching the maximum credit amount.

Your down payment can come from savings, RRSP, a gift (usually from a family member) and even a loan.

Crown Mortgages works with 22 lenders. The best rate doesn't mean the best mortgage: some lenders are difficult to contact, etc. Then again, there are private lenders available to help with difficult situations (ex loss of job, risking losing house, exiting from bankruptcy) - they have high rates but they will help you save your home.

Crown Mortgages does not work with farm mortgages or commercial mortgages.