Mortgages by Arch
Mortgages
by Arch
Strategy First. The Right Rate for the Right Mortgage.
I help buyers and homeowners choose a mortgage that fits their income, the property, and their 3–5 year plan—so you can move forward with confidence.
Serving Calgary and surrounding Alberta communities, and British Columbia (Vancouver, Vernon, Salmon Arm, Penticton & the Okanagan).
Newcomers to Canada
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Credit Building: Learn the fast-track strategies to build Canadian credit history quickly.
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Employment Requirements: Clear upfront guidelines on what lenders require from your new employer.
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Tailored mortgage paths for permanent residents, work permit holders, and new arrivals.
Reverse Mortgages
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Unlock tax-free equity: Access up to 55% of your home's value with no required monthly mortgage payments.
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Retain full home ownership: Stay in the home you love while maintaining complete ownership and title.
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Eliminate income barriers: Qualification is based on your age and property value—not income or credit scores.
Services We Provide
Purchase Strategy (Pre-Approval → Closing)
Get clear on budget, financing options, and offer-ready conditions—so you can buy with confidence.
Self-Employed & Complex Income
We package your income story properly and match you with lenders that understand how you’re paid.
Renewals, Switches & Refinances
Compare rate vs restrictions, penalties, and flexibility—then structure the next 3–5 years wisely.
Rental Income, Suites & Investment Properties
Plan around how lenders treat rental income, suite status, and appraisals—so the numbers work.
Newcomers to Canada
Build a mortgage-ready plan with limited Canadian credit—so you can shop confidently and qualify sooner.
Acreage, Rural & Agricultural Properties
Navigate property type, appraisal realities, and timelines—especially for rural and ag-use purchases.
Reverse Mortgage
Navigate property eligibility, appraisal guidelines, and payout structures to convert home equity into tax-free cash while keeping full ownership.
Mortgage Process
Acceptance
Once your application is approved, you’ll receive a Mortgage Commitment outlining the terms and any remaining conditions. You’ll review, sign, and return it along with any requested documents. After the lender confirms everything is satisfied, we’ll move your file forward to your lawyer for instructions.
Funding / Your Closing Appointment
Your mortgage is ready to be registered. You’ll complete this at an appointment with your lawyer or a facilitating company (such as FCT/FNF)—we’ll confirm the best option with you in advance. You’ll sign the final documents, and then the funds are released to the seller (for a purchase) or to the existing lender (for a refinance, renewal, or switch/transfer).
Beyond Funding
Funding isn’t the finish line. We’ll support you for the life of your mortgage—reviewing your options at renewal, helping with refinances, and planning future purchases as your goals change. Whatever life brings, you’ll have a clear next step and someone in your corner until you’re mortgage-free.