Mortgage Broker Mike Toporowsky; helping build community in Spruce Grove.
"An independent Mortgage Broker can find your best mortgage fit."
Independent Mortgage Broker Mike Toporowsky, AMP
What Can Mike Do For You Today?
New and Existing Residential Mortgages
New and Existing Residential Mortgages
New and Existing Residential Mortgages
A suite of rate options to fit most budgets.
Fixed - Variable - Low down payment - Conventional and more.
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Commercial and Agricultural Mortgages
New and Existing Residential Mortgages
New and Existing Residential Mortgages
Farm loans, land banking, equipment lease loans, refinancing for agriculture, the accommodation industry and small businesses.
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Mortgage Investment Opportunities
New and Existing Residential Mortgages
Mortgage Investment Opportunities
Learn how the private mortgage market can provide the investment vehicle you've been looking for.
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Feature Home Realtor - One of Mike's Many Contacts
Allison Steed - Guidance and Education
My Real Estate career started after I purchased my first home. I realized there was a desperate need for guidance and education when buying and selling Real Estate in the small town I grew up in. Where I eventually became the only licensed Realtor for a number of years. I also became passionate about educating myself, and clients on valuable updates/renovations to their homes to gain market value. I am very proud to have successfully turned my passion for Real Estate, and helping others with one of the biggest investments of their lives – into an exciting and rewarding career for the past 12 years!
Allison Steed - Integrity and Attention to Detail
Real Estate is equally just as challenging as it can be rewarding – it’s the challenge I enjoy, but most importantly the satisfaction of my clients. My clients value my professionalism, integrity, attention to detail, and commitment to always putting them first! I have always been a huge supporter of creative ways to buy and sell real estate – there isn’t a one box fits all scenario when it comes to Real Estate.
" Dust Settles - You Shouldn't"
Mike's August Featured Listing
Prime Property in Parkland County
This isn’t just a property - it’s a lifestyle, here is your chance to make it yours!! Welcome to this custom built five bedroom, three bathroom home on 125 Acres of Lake Front - secluded, yet conveniently located. The main floor is open and bright, with a main floor bedroom and full bathroom. The rear deck allows easy access to the garden and mudroom. The lower level is a walkout, with 4 bedrooms and two bathrooms. The triple attached garage is heated, with a floor drain and plumbed for a bathroom. Bring your toys, your tools and your dreams! This property has trails to the lake front, with power for future development. And underground power run to sites for future RV sites. This home is ready for you to move in, unpcak and enjoy the peacefulness! The avid outdoorsmen/hunter has a special space at this property too!!
Residential Mortgage Options
Mike has a plan that's right for you.
- Fixed rate CMHC/SAGEN/Canada Guaranty insured High Ratio Mortgages (low down payment or low equity)
- Variable rate mortgages (insured and uninsured)
- Manufactured Home financing
- Single family homes, Condo units (both apartment and townhome style), Acreages, farms and raw land
- Home Equity credit lines
- Reverse mortgages (Canadian Home Income Plan- CHIP for seniors 55 )
- Conventional Mortgages (20% down payment /equity, no-CMHC necessary)
- Residential construction mortgages (both bank or private lenders...whatever makes sense)
- Private mortgage financing (first, second, third and forth mortgages) for good and bad credit
- Access to Mortgage investment corporations and other licensed lenders
- Bridge and interim financing (short term financing)
- Completion financing (mortgages arranged to payout your construction financing)
- Foreclosure repair mortgages
- Lease To Own
- Refinance and equity take-outs
- Mortgage renewal reviews and switch mortgage (moving your mortgage to a different lender)
- Credit coaching (sometimes it takes time to get to your goal of home ownership, but you need to know what the banks expect.)
Take the first step.
Talk to Mike about your home ownership goals and if you're ready to make the leap. A free consultation is the first step to achieving your dreams. It costs nothing to know where you stand.
Mortgage Investment Opportunities
Individual investment opportunities
Individual investment opportunities in private mortgages (contact Mike directly 780-940-0604)
RRSP eligible private mortgage investment opportunities
Diversify your portfolio. Let's talk strategy
Commercial and Residential investment opportunities
Invest in Albertans rebuilding the provincial economy one commercial mortgage at a time.
Mike's Philosophy
If I would not feel comfortable lending this deal out of my own savings, I will not ask you to risk yours
Stay in the loop
We assist with any concerns both before and after the transaction (generally throughout the mortgage)
Please note
We do not allow pooled mortgage funds (syndicated mortgages) just one on one Borrower/lender mortgages
Commercial and Agricultural Mortgages
Mortgages for farming, small business and industry
- Bank financing for purchase of land and building
- Farm loans
- Factoring
- Motel/Hotel/Restaurant
- Land banking
- Commercial equipment leasing
- Refinance
- Raw land and commercial lot purchases
- Investment financing
- Private lending for commercial ventures
- a brokerage fee will be required for Commercial and Agricultural deals (dependant on type of deal and amount of mortgage)
Mike's Memberships
Mortgage Professionals Canada
MPC represents 15,000+ Mortgage Professionals nationally.
Alberta Mortgage Brokers Association
Alberta's Mortgage Brokers Association supports our province's Mortgage Broker community with education, professional development and advocacy.