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Free Professional Advice

Why choose Micah? Because I provide valuable professional advice and it’s FREE!

Why pay more than needed? Get my rate specials. Let me negotiate the best rate for you and save money.

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Best Rates

Let me shop the major banks and top lenders for you.

Let me negotiate the best rate. Remember I work for you, not the banks.

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Get Approved

My approval rating is high.

With my portfolio of lenders, I can find you a program that works for you.

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Lower rates equals thousands in savings.

Why pay more than needed? Get my rate specials. Let me negotiate the best rate for you and save money.

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When the banks are closed, I am not.

I work for you and I am at your service 7 days a week.

What is the minimum down payment you can put down when purchasing a home?

The minimum you are required to put down when purchasing a home is still 5% if it is your principle residence.

When do I have to pay CMHC/mortgage insurance fees?

Generally any mortgage that is purchased with less that 20% down is considered "high ratio" and requires a mortgage insurance premium. Anything that is less than 80% loan to value is considered "conventional" and a mortgage insurance premium in not applicable. There are a few exceptions.

What is the maximum a mortgage can be amortized for?

For conventional mortgages 30 years, for high ratio 25 years

What are the most important things needed to get a mortgage approved?

Lenders and banks usually look at 4 main components of an application:

-Credit: This gives a picture of you financial history and responsiblity.

-Down payment: Generally the more down payment you have the more lenient the lender is. They usually ask for 90 day history of proof of funds. Down payment can be also gifted.

-Income verification: This is important to show that the mortgage is affordable and will be serviced by income earned. Generally, for employed clients a job letter and paystub will suffice. For self employed clients, generally they are looking for the 2 most recent years of Notice of Assessments. The lender can ask for any other documentation if seen fit at their discretion.

-Property: If the subject property is in poor condition or not easily marketable, it may hurt the approval.

First time home buyers tax credit explained




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