Professional Mortgage Broker Services Handling All Properties

Located Throughout Beautiful British Columbia


Mortgage Financing

Below is a list of the types of mortgage financing that can be arranged on your behalf:


Residential Mortgage Financing


So many options! With a large numbers of banks & credit unions available, accessing the right product from the right lender at the best rate is always the goal. Types of residential mortgage financing include:

 

  • Getting a pre-approval so you know what price range of homes to view
  • Arranging financing for your home purchase
  • Arranging second mortgages  for any situation that comes up
  • Renewing your existing mortgage
  • Refinancing your existing mortgage taking advantage of your homes equity
  • Switching your mortgage to a new lender

 

We also work with a wide range of smaller institutional and private lenders for applications that may not qualify under traditional guidelines. In most cases there are no fees for our services, we are usually paid directly by the lender. In some cases a broker/lender fee may apply, but not without full disclosure and your consent.


Access to a wide range of private lenders, Mortgage Investment Corporations, is also available for those who might not qualify under traditional guidelines. In most cases, a lender and broker fee apply which would be fully disclosed prior to proceeding.

Commercial Financing


Commercial loan proceeds are typically used to assist with the acquisition of real estate or to re-finance existing indebtedness. Below are some examples of commercial acquisitions:

 

 

  • Retail Buildings
  • Commercial Buildings
  • Industrial Buildings
  • Office Buildings
  • Multi-Family Commercial/Apartment Buildings

 



Typically our commercial financing is between 65%-70% loan to value (LTV) with a maximum of 85% LTV on CMHC insured applications. As every application is different and there are several ways to qualify commercial financing, it is strongly recommended that you call to discuss the details of your acquisition in advance so your application can be structured in the best way possible.


As a non-resident you have the ability to secure financing through a Canadian lender with a choice of fixed rate terms of 1 to 10 years. Variable prime based lending is also available. Your mortgage can be amortized up to 25 years. 65% financing is typical, meaning you have to come up with a 35% downpayment. 80% financing is available for US residents. Canadian lenders require you have a Canadian bank account, and they will require you to show your ID in person to open an account. It is a good idea to open an account while you are in Canada! Lawyers/Notaries will also need to meet you in person, either your REALTOR® or Garibaldi Mortgage Broker would be happy to set up an appointment for you to meet with them.

Construction Financing


Construction mortgages are complex and difficult to summarize in a brief paragraph so calling to discuss the process in advance is highly recommended. Once you understand all the requirements, you can rest assured you are in good hands from the start of your project to the final draw.


The Best Mortgage Products are Negotiated for All Clients. Period.

LET'S GET STARTED

Reviews

We are very happy clients of Doug Mildenberger and wish to express our thanks and the reasons for our satisfaction. Doug had quite a challenge as he worked to set up a mortgage for my son and his wife. They had good jobs but nothing saved and because they were not 'credit card users' had no credit rating.
Doug consolidated their rent, cell phone payments and employment records into a suitable record for a credit history. I'm sure this was no easy task! My husband and I (their guarantors), were in Ontario so everything concerning us had to be done via fax, email, scans and long distance phone calls at strange hours due to the time difference. Doug responded quickly to all of our queries and kept us abreast of each development as the work progressed. He calmly informed us when there were problems and helped us find solutions in a timely manner. We ran into additional hurdles when we discovered the closing date for the property (a foreclosure) was in the middle of our out-of-town vacation. Doug stepped in and was able to arrange an extension with the Court and bank lawyers. He absolutely saved the day!
Words cannot express our gratitude to Doug throughout this very convoluted process. He made sure we understood what was going on and 'held our hands' as we got the work done. We want to make sure that Doug received the credit he is due!

Steve & Moira

Doug Mildenberger really knows the mortgage business and was able to provide us with an excellent product at a very competitive price and on time!

Barry Maskell Owner, Peak to Green Accommodations Inc.

My wife and I are Americans and we absolutely love the Rocky Mountains and wanted to purchase a property up in Whistler BC. Del Hunter was able to help us navigate the mortgage terrain and arrange financing that was very satisfactory to us. We love our little spot in paradise, thanks so much for all your help! If you are looking for someone who will take good care of you and has impeccable communication skills, Del Hunter is the broker you need to be working with.

R & P Boughanon Retired

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Del is the absolute best! She provides above and beyond service, is super responsive, professional, genuine and caring. I cannot say enough positive things about our experience working with her, we have now used her twice. Sorting a mortgage can be incredibly stressful, but Del always took the time to put us at ease and explain all the fine details.

Don’t look anywhere else for a mortgage broker, this is your best bet! 10/10, we look forward to working with Del again in the future!

Christine G

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Working with Del Hunter and Garibaldi Mortgage was a dream come true. She is definitely the hardest working broker i have ever met. Thanks Del!!

Roland S

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Del is a very personal and meticulous broker who goes above and beyond to make her clients dreams a reality.

Laura LJ

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Thinking of buying a property in Whistler and need some mortgage advice? Speak to Del and Doug at Garibaldi Mortgage - they really are the best!

Steve C

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Incredible knowledge and super friendly. I felt expertly guided throughout the process. I will surely keep working with Del!

Porf F

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Working with Del was fantastic, she was always on our team and kept us calm throughout the stressful real estate transaction process. We would be happy to work with Del again on our next large transaction.

Steve C

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Great work, fast and efficient communication by Del at whatever time required. Thank you!

Cedric B

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Del is the best to deal with. Highly recommended.

Hazzle C

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