Jensen and Kevin shop 50+ lenders to find the right mortgage for your situation. Purchase, refinance, renewal, or commercial — our fee comes from the lender, not you.
Why a mortgage broker?
When you walk into a branch, the mortgage specialist works for that bank. They can offer you whatever's on their sheet that week — nothing more. Jensen and Kevin work for you. That distinction is worth real money, especially in Richmond, where purchase prices mean a quarter-point difference in rate translates to tens of thousands of dollars over an amortization period.
We're independent, which means we sit down with your file and genuinely compare options across credit unions, Schedule A banks, trust companies, monoline lenders, and alternative lenders all at once. You get the competitive result of that comparison without having to book five separate appointments.
Our fee comes from the lender you ultimately choose. There's no cost to you in the vast majority of residential mortgage transactions, and we'll tell you upfront if your situation is one of the exceptions.
Start With a 15-Minute CallIn a standard residential transaction, our compensation comes from the lender, not your pocket.
We pull your credit once and shop it across our full lender panel simultaneously.
Most files get to conditional approval within 48 hours. Rate holds available for up to 120 days on purchases.
What we handle
From your first property to a commercial acquisition, we've placed mortgages across every product type and lender category in the market.
FTHB incentives, CMHC default insurance, and the stress test explained in plain language.
Learn more →Don't sign the bank's letter. We re-shop your rate at renewal at no cost to you.
Learn more →Access equity, consolidate debt, fund renovations — with clear math on the penalty tradeoff.
Learn more →Stated income and BFS programs for self-employed Richmond business owners.
Learn more →Newcomer programs with flexible credit history requirements. Specific, not generic.
Learn more →Mixed-use, industrial, and multi-family financing — Richmond's YVR corridor included.
Learn more →Bridge financing and short-term private lending for situations that need speed over rate.
Learn more →Flexible revolving credit against your home's equity for renovations, investment, or consolidation.
Learn more →B-lender pathways and a genuine rebuild plan back to A-lending. Judgment-free.
Learn more →The process
Tell Jensen or Kevin your situation. No paperwork required at this stage — just a conversation about what you're trying to accomplish and what your timeline looks like.
One application, one credit pull, and we go to work across 50+ lenders simultaneously. You'll get a clear breakdown of the options that actually fit your situation.
We present the options with honest commentary — not just the rate, but the prepayment privileges, portability, and what happens if your plans change mid-term.
The 15-minute call costs you nothing and tells you exactly where you stand before you start house hunting.
Common questions
In the vast majority of residential purchases, refinances, and renewals, nothing. The lender pays us a finder's fee when we place your mortgage with them. You'll get a disclosure form showing this fee before you sign anything. In rare situations — typically very short loan amounts or private lending arrangements — there's a broker fee, and we'll tell you upfront before you commit to anything.
No. We pull your credit once, and the bureau treats all mortgage inquiries within a 14-to-45-day window as a single inquiry for scoring purposes. Your score won't take multiple hits because we're shopping multiple lenders with your file — that's one of the structural advantages of using a broker versus applying directly to five different banks yourself.
The initial 15-minute call gets us the information we need. With a standard employment and credit profile, most clients have a conditional pre-approval letter within 24-48 hours. More complex files — self-employed income, recent credit events, alternative lender situations — take a little longer. We'll be straight with you on the timeline based on your specific file.
Often yes. Banks decline mortgage applications for a narrow set of reasons — credit score below their threshold, income that doesn't fit their calculation method, self-employment, recent immigration. Alternative lenders, trust companies, and credit unions use different guidelines. A decline from one institution doesn't mean the answer is no across the board. We'll look at what specifically caused the decline and match your file to a lender whose criteria you actually meet.
Pre-qualification is a rough estimate based on what you tell us without pulling your credit or verifying your income documents. It's useful for early planning but means little in a competitive offer situation. Pre-approval involves actual credit review and income verification — it's what a seller's agent takes seriously when you make an offer. In Richmond's market, showing up with just a pre-qualification puts you at a disadvantage. We push clients to move to full pre-approval before they start writing offers.
Direct, concise answer here (40-60 words).
Specific borrower profile or situation.
Transparent cost breakdown.
Q&A pairs here.
Call us: (604) XXX-XXXX