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A home is made of Love & Dreams
TMG The Mortgage Group
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Denise Chan B.Comm., B.A.
I'll sweat the details so you don't have to.
Over 18 years of experience in mortgage lending and underwriting. I have worked for a credit union (9 years) & chartered bank (2 years). For the past 5 years, I am among the top 20% of mortgage professionals with TMG Canada. I hold a Bachelor of Commerce degree, graduating with distinction in Accounting & Bachelor of Arts and Science, graduating with Honors in Sociology. I'm committed to providing you with exceptional customer service. With access to over 30 lenders, I will negotiate a competitive interest rate for you. But most importantly, making the process simple and straightforward. Owning a home is one of life's most important investments, I want to help you qualify for a mortgage that is right for you and your family. Your mortgage experience should be as comfortable as possible. I'm independent, my advice is truly unbiased, and my service is absolutely free.
Pre - Approval
Income
Documents required - recent job letter and paystub; 2 years T4 or Notice of Assessments. Contact me to review your income documents.
Down Payment
The requirement is to have a minimum down payment of 5%. Contact me to discuss your sources of down payment.
Credit Score
If your credit score is over 600, you may qualify for a mortgage with "A" lender. Contact me today so I help you get the best mortgage rates. If your credit score is below 600, let's chat about other solutions that may be available.
Let's get started!
Purchase, Refinancing, or Renewals
Apply Online Here!
Today's Rates
5 year variable closed: Prime minus 1% = 2.95% ** some conditions apply ** Subject to change **
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It PAY$ to Gossip....
Denise helped us with our construction draw mortgage. She always returned our calls, made the process simple and provided great service!!
J and M
It was great working with Denise. Not only did she get us approve for the mortgage, she referred me to an awesome real estate agent too. We have bought 3 different homes and Denise helped us with the mortgage financing every time.
P. K.
My husband and I wanted to buy a home. We didn't have the best credit and were faced with rejections from the banks and were running out of options. We looked for an affordable home that would be just right for us to start. Thank goodness for a blessed recommendation by our realtor to try TMG's Denise Chan. She worked very hard to get us an approval that was in our budget and has been very supportive. She was genuinely caring and worked with us throughout the whole process which seemed a breeze. Anyone who wants a mortgage broker that you can trust, Denise would be the right person to assist you.
E & D
Denise was great to work with. She found us a lender with a great rate and amortization. She answered all our questions and went above & beyond to meet our needs.
Della
Denise, really is a remarkable standard for customer service; one that inspires me. Seems like forever ago that I was in your office dreaming and discussing our acreage and now 3 years in; the joys that have been very present along the way. Thanks again,
Joseph
Fast, efficient and very knowledgeable. Those are the words I would use to describe Denise. From the first phone call, she made the mortgage process easy for us. She had great advice and the connections to get us a terrific rate. Frankly, the papers were signed and we were in our new house before we knew it. Denise made what can be a stressful experience smooth and simple. I highly recommend her.
D. Champ
Contact Me!
306.262.1969
denise@denisemortgage.ca