About Me
Hi, I'm Rita.
I'm a Mortgage Professional with broad experience in all aspects of the financing process - whether it be helping first-time buyers purchase their first home; assisting clients with financing for a renovation to their existing home; building a new home or helping them re-negotiate their mortgage at renewal.
My goal is to help my clients navigate through the process of finding the right financing product for their unique situation.
I specialize in mortgages for self-employed borrowers; borrowers with slightly bruised credit and first time home buyers, home equity Lines of Credit; first & second mortgages; mortgage renewals; re-finances and investment property mortgages.
Cell: 403-502-3330
STEP ONE
Start the conversation.
The best place to start is to connect with me directly. The mortgage process is personal, and it can be daunting. My commitment to you is that I'll listen to all your needs, assess your financial situation, and provide you with a plan to move forward.
STEP TWO
Choose the best option.
Once we’ve had a look at your financial situation, we’ll consider a variety of mortgage options, I’ll outline what documents are necessary to qualify for a mortgage, negotiate with the lenders on your behalf, and arrange the mortgage that best suits your needs.
STEP THREE
Sit back and relax.
Once we’ve arranged the mortgage product that best suits your needs, you’re not alone. I’m your mortgage professional for life. If you’ve got questions in the years to come, I’m always available to make sure that your mortgage is working for you, and not the other way around!
Lenders
I've developed excellent relationships with many lenders across the country.
Let's figure out which one has the best product for you.
Services
As a mortgage professional it's my job to be the go-between between you and a mortgage lender. I make sure that you know all the products available to you, and are equipped with the knowledge to make the best decisions for you and your family.
Flexible Mortgages
As your life can change at any time, I offer a wide range of flexible mortgage products.
Qualified Advice
As a licensed mortgage expert, I'll listen to your needs and answer your questions.
No Cost to You
There are no fees for my services, once you find the perfect product, the lender pays me a commission.
Advocacy
I commit to working on your behalf
to find you the best mortgage for your needs.
Mortgage Articles
Why the Cheapest Mortgage Isn’t Always the Smartest Move Some things are fine to buy on the cheap. Generic cereal? Sure. Basic airline seat? No problem. A car with roll-down windows? If it gets you where you're going, great. But when it comes to choosing a mortgage? That’s not the time to cut corners. A “no-frills” mortgage might sound appealing with its rock-bottom interest rate, but what’s stripped away to get you that rate can end up costing you far more in the long run. These mortgages often come with severe limitations—restrictions that could hit your wallet hard if life throws you a curveball. Let’s break it down. A typical no-frills mortgage might offer a slightly lower interest rate—maybe 0.10% to 0.20% less. That could save you a few hundred dollars over a few years. But that small upfront saving comes at the cost of flexibility: Breaking your mortgage early? Expect a massive penalty. Want to make extra payments? Often not allowed—or severely restricted. Need to move and take your mortgage with you? Not likely. Thinking about refinancing? Good luck doing that without a financial hit. Most people don’t plan on breaking their mortgage early—but roughly two-thirds of Canadians do, often due to job changes, separations, relocations, or expanding families. That’s why flexibility matters. So why do lenders even offer no-frills mortgages? Because they know the stats. And they know many borrowers chase the lowest rate without asking what’s behind it. Some banks count on that. Their job is to maximize profits. Ours? To help you make an informed, strategic choice. As independent mortgage professionals, we work for you—not a single lender. That means we can compare multiple products from various financial institutions to find the one that actually suits your goals and protects your long-term financial health. Bottom line: Don’t let a shiny low rate distract you from what really matters. A mortgage should fit your life—not the other way around. Have questions? Want to look at your options? I’d be happy to help. Let’s chat.
The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. For anyone watching the mortgage market — whether you're renewing, purchasing, or simply keeping an eye on borrowing costs — here's a breakdown of what was announced and what it may mean for you.
For many Canadians, the dream of homeownership has felt like a moving target. After years of market volatility, shifting interest rates, and economic uncertainty, you might be wondering: is 2026 finally the year to make a move?
Nice things people have said about working with me.
Download My Mortgage Toolbox
WHAT CAN YOU DO WITH MY APP
- Calculate your total cost of owning a home
- Estimate the minimum down payment you need
- Calculate Land transfer taxes and the available rebates
- Calculate the maximum loan you can borrow
- Stress test your mortgage
- Estimate your Closing costs
- Compare your options side by side
- Search for the best mortgage rates
- Email Summary reports (PDF)
- Use my app in English, French, Spanish, Hindi and Chinese
