We Are Mortgage Professionals Serving Clients Across Beautiful BC.

With Our Head Office in Whistler, BC.

DOUG MILDENBERGER

Doug Mildenberger is a mortgage broker and the owner of Garibaldi Mortgage. Doug has over 30 years banking experience in handling both residential and commercial mortgage financing. He moved to Whistler in 1991 and has been heavily involved with the Whistler rotary club including being a past president. In his spare time, he enjoys fishing and golfing. Doug’s goal is to make your mortgage experience as smooth and simple as possible, Doug will ensure that you get the best rate and mortgage product that suits your personal situation.  
Contact Doug

JASON MCLEAN

Having spent the last 20 years living in Whistler working in the financial sector as a mortgage broker, Jason understands this unique market and has gained extensive experience in a variety of mortgage scenarios. With developed widespread experience in residential, construction and commercial mortgages plus knowledge of specific properties such as fractional ownership and condo-hotel units. Jason will ensure that you get the right product at the best rate. He is always available to answer your questions and to assist you in achieving your property ownership goals.
Contact Jason

DEL HUNTER

As a mortgage professional, Del has enjoyed assisting residential, recreational, and investment property purchasers since 2001 from her home office in Kelowna BC. Being an independent broker gives her the opportunity to work with clients on their time. Del is known for her ability to source incredible mortgage products that suit her clients needs. In her spare time she sings in the duo Steppin’ Out playing all styles of music from R&B, to Classic Rock , MoTown to Jazz.
Contact Del

TERRY ARLITT

Terry Arlitt is a residential mortgage broker who has been assisting clients with financing for over 10 years. Terry lives and works from his home office on mid-Vancouver Island. Terry takes great pride in working with clients who have been referred to him from past clients and would love the opportunity to discuss your mortgage financing needs!

Contact Terry

We Keep Our Blog Updated So You Can Stay Informed!

How to Not Qualify for a Mortgage

How to Not Qualify for a Mortgage

If you have no desire at all to qualify for a mortgage, here are some great ways to make sure you don't accidentally end up buying a house and taking out a mortgage to do so. One of the best ways to ensure you won't qualify for a mortgage is to be unemployed. Yep,...

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Just How Big is the Canadian Mortgage Market Really?

Just How Big is the Canadian Mortgage Market Really?

With all the government changes happening in the mortgage market right now, the good people over at Mortgage Professionals Canada via their online publication Canadian Mortgage Trends just published an interesting couple of articles on their blog. Most recently "How...

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A Bigger Downpayment Doesn’t Always Mean a Lower Rate!

A Bigger Downpayment Doesn’t Always Mean a Lower Rate!

If you've been following the financial news in Canada lately (or if you read the blog here regularly), you will know that a lot is changing in the world of mortgage financing. Most recently, the Canadian Mortgage and Housing Corporation (CMHC) announced an increase in...

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Online Mortgage Calculators, Can You Trust Them?

Online Mortgage Calculators, Can You Trust Them?

You'd think an online calculator is a pretty straight forward device, one that you should be able to place your full confidence in, and for the most part they are. Calculators calculate numbers, the numbers are reliable, but how you interpret those numbers... not so...

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Can’t Find the Perfect Property In Your Price Range?

Can’t Find the Perfect Property In Your Price Range?

You're pre-approved for a mortgage, you've been shopping with location in mind, but unfortunately the perfect property isn't jumping out at you. There is no doubt about it, finding the perfect property (within your price range) is a difficult task, especially for...

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Mortgage Financing

Here is a list of the types of mortgage financing we are able to arrange on your behalf.

Residential Mortgage Financing

You have options! With the large number of banks we negotiate with, we are able to offer a wide variety of mortgage products. Tell us your goals and we will find the best type of financing at the best rates. We handle all types of residential mortgage financing including:

 

  • Getting a mortgage pre-approval
  • Arranging financing for a home purchase
  • Arranging second mortgages
  • Renewing your existing mortgage
  • Refinancing your existing mortgage
  • 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.

Commercial Financing

We are here to provide first mortgage financing on conventional and CMHC insured (where applicable) commercial products. Loan proceeds are typically used to assist with the acquisition of the real estate or to re-finance any existing indebtedness. Here are some examples of properties we can finance:

 

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

Typically our commercial financing is between 65%-70% loan to value with a maximum of 85% LTV on CMHC insured applications. As every application is different and there are several ways to qualify commercial financing, we strongly suggest contacting us directly to figure out the best way to structure your application.

Non-Resident Mortgage Financing

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. We would be very happy to explain how they work and the steps that are involved. However as no 2 construction loans are the same, it is very difficult to provide relevant information in a brief summary on our website. So, with that said, if you are interested in a construction mortgage, please contact us  with confidence knowing that we specialize in constriction mortgages and would love to work through your specific scenario with you and put together a plan specifically for you!

We Negotiate The Best Mortgage Products for Our Clients. Period.

Let's Get Started!

Some of Our Preferred Lenders

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

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-country 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 receives the credit he is due! Steve & Moira

Contact Us Anytime!

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