Your Personal Mortgage Broker with access to the best rates and products to help you achieve your goals.
As your Mortgage Broker, I serve as an intermediary between you and the bank. With access to multiple banks, including the big banks, monolines and alternative lenders, I can provide you with the best solution for your mortgage needs.
I will guide you through the entire process from your application to approval and make it as easy as possible for you.
My virtual experience will save you time and I will save you money.
Top 5% of brokers in Canada
Business Leader of the Year (2021)
Raised $30K for Mental Health Awareness
I will make finding the best rate and the whole approval process much easier than the bank providing far more expertise and guidance throughout the entire process.
My services are free.
I am far more accessible than a bank. You can call me, text me, email me anytime. It is like having a best friend that is a Mortgage Broker!
You don’t need an appointment. Everything can be done virtually and easily.
I have access to the majority of the Big Banks, Monolines, Alternative Lenders and Private Lenders so have access to options that go far beyond the banks.
When the banks say no, I can find you a solution that says yes!
I CAN HELP YOU WITH
PURCHASING
As a first time home buyer
As an investor buying an investment / rental property
Vacation homes
MORTGAGE RENEWAL
Helping you to navigate the best plan with the best rate for your mortgage renewal. (Banks often take advantage of clients here).
MORTGAGE REFINANCE
To access equity for any reason
To consolidate debt
For a spousal buy out
To help gift money to a child for a down payment
ALTERNATIVE FINANCING
When your application does not fit with the traditional A lenders, there are other options!
REVERSE MORTGAGES
For those wanting to stay in their homes as long as possible without the carrying cost
For those savvy investors who know how to use a Reverse Mortgage to their benefit to grow their wealth
It is as easy as filling out my online application, sending in the required documentation through a secure portal, and having me beside you while you walk through every aspect of getting the best mortgage. I will make it easy for you and my services are free! No brainer!
My name is Cheri Hamm and I have been through it all leading me to become a dedicated Mortgage Broker with a passion for helping individuals and their families achieve their homeownership dreams. With a deep understanding of the financial landscape, I have built a successful career on providing expert guidance, personalized service, and unwavering support to my clients.
Beyond my professional life, I am a person of ambition and heart, always striving to make meaningful connections and a positive impact in my community. Whether navigating the complexities of the mortgage industry or offering valuable advice, I approach every challenge with determination and integrity.
My journey is one of hard work, resilience, and a commitment to excellence - a story of someone who not only helps others to secure homes but also builds relationships that last a lifetime.
I will continue to strive to be the best Mortgage Broker I can be in helping my clients achieve their goals and change their lives.
What does a mortgage broker do?
A Mortgage Broker works for you and with you to find the best mortgage solution for you specifically. We can shop numerous lenders and search for the best rate and product to fit your needs. The banks can only offer you what they specifically have to offer. Using a Mortgage Broker allows you the opportunity to access so much more information and options for your mortgage. If you do not fit into traditional big bank lending, we can offer alternative solutions to help you achieve your goals. The best part is that we are free to use!
Why should I use a Mortgage Broker over the bank?
A mortgage broker has access to multiple lenders, which means more options and potentially better rates than a single bank. Brokers also provide expert guidance, handle paperwork, negotiate on your behalf, and make the mortgage process so much easier for you.
How much does it cost to use a Mortgage Broker?
In most cases, using a Mortgage Broker is free to you! Mortgage Brokers are paid a commission by the lenders for bringing them a client and doing all of the work to do so. Mortgage Brokers can charge a fee on occasion depending on the situation.
I'm not the sharpest tool in the toolbox when it comes to mortgages and strategies, but Cheri definitely is sharp and also very good at explaining everything in simple language.
She was always available for me and answered all my questions with an open ear, a lot of patience and great humour on top.
She even answered some of my last minute questions while on her vacation which I was extremely grateful for and which helped calmed me down at the closing which can be stressful.
I recommend Cheri to everyone and you'll be happy you found her, I sure am!
Steph
Cheri’s helped us with two mortgages, and every time she makes it happen with such ease.
Just the other day, my sister and I were out for lunch, and she mentioned something I don’t think she ever told you: your mortgage advice literally saved her back in 2021. You selflessly told her to try negotiating with her current bank instead of switching, because you knew she had a better chance that way—even though it meant you wouldn’t benefit from the deal. Because of that advice, she was able to keep her house and pay out her ex. If it weren’t for you, she’d probably be living with us right now— thank you!
Tanya
GET IN TOUCH
Schedule a free consultation with me, and we’ll discuss your needs, goals, and financial situation.
APPLY WITH CONFIDENCE
Once you’re ready, I will guide you through the application process, ensuring everything is in place for a smooth approval.
EXPLORE YOUR OPTIONS
I will be by your side through the entire closing process, ensuring a seamless and efficient experience.
CLOSE WITH EASE
I will present you with mortgage options that fit your criteria and budget.