About Ontario Mortgage Broker, Marie Copeland: Founder of Axcess Mortgage and Loans Financing

Hamilton Mortgage Broker … How it all started

​Hello! I’m Marie Copeland, Financial Services Underwriter (FSU), Level 2 Mortgage Broker and founder and owner of Axcess Mortgage and Loans Financing Co. Ltd. Let me share a bit of my journey as an Ontario mortgage broker.
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From Immigrant to Mortgage Broker

Like many of you, I’ve faced challenges and overcome them. As a devoted mother, proud grandmother, and loyal friend, I understand the struggles of life. My story begins when I immigrated to Canada from Poland as a teenager, settling in Hamilton, Ontario.

Starting with Almost Nothing

Back then, my parents were filled with fear and uncertainty. We arrived in Canada after an 11-day transatlantic journey on the ship named Batory. With just $25 each in our pockets and a suitcase, we didn’t speak a work of English. We embarked on a new life. My parents, both in their late 40s, had no education or job prospects.

Our Journey to Homeownership

Despite the odds, my parents worked tirelessly. They managed to buy their first and only humble home in Canada using a private hard money loan in Hamilton. The interest rate was a staggering 30%. I still have the mortgage approval document - a reminder of their determination and sacrifice.

The Missing Home Mortgage Help

Reflecting on their experience, I realize that my parents lacked financing and options guidance. No one provided them with home mortgage help to improve their situation. Looking back, their private mortgage in Hamilton should have been a short-term solution—perhaps a 3-year fix—while they resolved employment and credit issues.

How Private Mortgage Lenders in Ontario Can Help Today

​Today, as a home loan specialist, I’m well-versed in the world of private loan lenders in Ontario. I’ve learned how to leverage the private mortgage tools to enhance lives. While more expensive than a bank mortgage, a first or second private mortgage with low, interest-only payments can be a game-changer. In the right situations, it can save you hundreds of dollars each month, improving your household finances and credit score.

By sharing my story, I hope to empower others on their homeownership journey. Remember, even when faced with challenges, there’s always a way forward.
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Your Trusted Ontario Mortgage Broker in Hamilton serving you from my hometown

I’m Passionate About Giving You Best Mortgage Loan Help

​Are you navigating the complex world of mortgages? Look no further! As dedicated Level 2 Ontario Mortgage Brokers serving Hamilton and the wider Ontario region, we are passionate about providing you with the best mortgage loan help. Here’s why you’ll benefit from working with us:
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You Won’t Be Disappointed with My Broad Expertise

With my extensive, 5-year educational background as a Financial Services Underwriter (FSU), and Level 2 Mortgage Broker plus nearly 30 years of experience, I bring a wealth of knowledge to the table giving you access to common sense mortgage solutions from best mortgage lenders.

I offer straightforward, common sense mortgage strategies. No more drowning in details—just clarity and practical advice.

You’ll get fast approvals. Time matters, especially when it comes to securing a mortgage for a home purchase. I will quickly assess and fine tune your information and send it to the right lender for approval. 

Marie Copeland, Mortgage Broker Level 2, Financial Services No. M08002528
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What is the difference between a mortgage broker and a bank?

What Does a Mortgage Broker Do?

When you’re looking to get a mortgage, it’s essential to know the difference between a mortgage broker and a bank.

Did you know that over half of all home loans and mortgages in Canada are now handled by mortgage brokers, (sometimes called home loan specialists), instead of banks?

Ontario mortgage brokers focus on providing you with expert mortgage options that are right for you, not the banks. With the growing presence of mortgage brokers in Canada, today’s consumers have more choices at their fingertips. This means access to best interest rates, favorable terms, top mortgage lenders and the best mortgage solutions.

It is a win-win!

Level 2 Ontario mortgage brokers have the knowledge and experience to offer you a wide range of services not provided by the banks. They’ll assess your financial situation, compare mortgages, and home equity loans, and find you the best mortgage options. Mortgage brokers work to get you the best interest rate and favorable mortgage terms that fit your application.

Ontario mortgage brokers are licensed by Financial Services Authority of Ontario (FSRA) to  work with various lenders, including banks, credit unions, and private mortgage lenders. Unlike banks, as mortgage brokers, we are not tied to just one financial institution. We have access to multiple lenders. That is why we can be completely independent in our recommendations to you, getting you a best deal the mortgage markets offer.

The best part? Consulting a mortgage broker doesn’t cost you anything! In some cases, if your mortgage is complex or your creditworthiness is challenging, mortgage brokers charge fees payable from your mortgage loan advance. But in many cases if you have good credit score and stable income, the mortgage broke fee for getting you a home mortgage loan is paid by the lender, not by you.

Plus, brokers might even negotiate discounted rates and terms that you wouldn’t get on your own.
Mortgage brokers work for you, not the big banks.

The banks focus on selling you only their own, most profitable mortgage products, that is a fact. You won’t have access to financial products from other lenders in the mortgage marketplace. If you have an existing relationship with a bank, you might feel comfortable. But your bank may not offer you the most competitive rate or terms. When you go to a bank and your mortgage is declined, you must start the whole application process all over again with another lender, ruining your credit. They will not give you the home mortgage help needed to improve your situation.

Mortgage brokers give you fast home mortgage help, saving you time and money. We tailor solutions to your specific needs. Whether you’re a first-time homebuyer or refinancing, we’ll find the perfect fit for your application.
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Banks vs. Private Mortgages

​At a glance, bank mortgage vs private mortgage is at a fraction of the cost. But if used strategically, private hard money loans can save you money, improve your credit and cashflow, and help you rebuild financially. Getting a second mortgage with low interest only mortgage payments is a short-term solution with a solid exit plan.
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When it comes to mortgages, there are two main categories:

1. banks, credit unions, insurance companies, monoline lenders, and
2. alternative mortgage lenders and private mortgage lenders.

At Axcess Mortgage and Loans Financing Co. Ltd., we offer one-stop shopping for all your mortgage needs. As Level 2 mortgage brokers, we are skilled in both bank and private mortgages. We are expert in using these tools effectively to improve lives.

Making Informed Decisions

You’ll Get the Best Home Mortgage Information

The mortgage landscape is ever evolving. New mortgage features and options are being introduced every day and we bring them to you. You are too busy with family and work to try and figure out how to qualify for mortgage. We stay up to date with the latest features and options. Whether you’re a busy professional, a devoted family person or aspiring real estate tycoon, I’ll answer your mortgage questions and help you choose a mortgage that is right for you. 

What Mortgage Can I Afford?

Don’t fret over the fine print. We’ll guide you through the maze of offers, rates, and terms to help you qualify for a mortgage. You’ll get a right mortgage that aligns with your financial goals.

Your Real Estate Financing Dreams

Say goodbye to impersonal big banks. You’ll have the benefit of a knowledgeable mortgage broker, passionate about working for you not the big banks, helping you achieve your real estate dreams. You end up with the best mortgage product the Ontario financial markets offer that match your financial resume and application.

You’re never alone—we’re by your side every step of the way.

At Axcess Mortgage and Loans Financing Co. Ltd., we’ve been giving Ontario homeowners a financial edge since 2000. From the Greater Toronto Area (GTA), Oakville, Burlington, Stoney Creek, Grimsby, St. Catharines, Beamsville, Binbrook, Niagara, Ancaster, Dundas, Waterdown, or Brantford corridor to Kitchener-Waterloo.

Submit your online mortgage application or feel free to call us at 905-537-8815. We’re here to help you navigate the mortgage landscape.
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Marie Copeland is a Mortgage Broker in Hamilton serving Ontario since 2000

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MANY CALL THEMSELVES MORTGAGE BROKERS BUT ARE THEY?

Mortgage Broker Canada facts

​Many call themselves mortgage brokers but only few are amply qualified to give you that financial edge. 
 
​Today, most mortgage agents complete a 60 hour licensing course followed by day-refresher seminars every two years. Agents can become a broker after being licensed for only two years, regardless how much knowledge and experience they have/have not gained in the industry. Is that enough to help you deal with your most important asset, your home or investment property? You decide.
 
So, what is the difference?
 
Marie Copeland (Hryczynski) was first licensed as a mortgage agent in 1995 working in the industry while continuing her education for five years to earn a Financial Services Underwriting (FSU) Post Diploma. Upon completion, in 2000, she was licensed as an Ontario Mortgage Broker and founded the Axcess Mortgage and Loans Financing Co. Ltd., brokerage.

Financial Services Underwriting is a comprehensive five year mortgage financing educational program recognized by then, the Ontario Ministry of Finance. It covers many mortgage financing subjects, including:
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• Mortgages and Capital Markets
• Mortgage Financing
• Mortgage Financing Law
• Mortgage Broker Legislation
• Real Estate Law
• Real Property Assessment​
• ​​Contracts Law
• Mortgage Administration
• Intro to Canadian Securities
• Debtor/Creditor Remedies
• Operating a Mortgage Brokering Business
• Professional Responsibility

​Knowledge and experience counts! Axcess Mortgage and Loans Financing Co. Ltd. are qualified Ontario mortgage brokers offering expert mortgage help with excellent service and sound mortgage solutions.
 
Marie Copeland, FSU, Mortgage Broker Level 2, Owner | FSRA No. M08002528

WHAT IS A MORTGAGE BROKERAGE? WHO’S WHO?

What is a Mortgage Broker Office, the Brokerage ?

Why use a mortgage broker instead of a bank?

A Mortgage Brokerage is an independent entity assisting Canadians with their mortgage and homeownership needs.

Mortgage Broker Canada lending channel is set up to provide borrowers with the best mortgage solutions the market has to offer. Mortgage Brokers and Agents are licensed and regulated by Financial Services Regulatory Authority of Ontario (FSRA) and are given access to multiple lenders, mortgage rates and offers.

​FSRA also keeps Mortgage Brokers abreast of changing government lending rules and policies.

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