Meet Marie Copeland, Hamilton Mortgage Broker

Marie Copeland is a Mortgage Broker in Hamilton serving Ontario since 2000

hamilton mortgage broker ... how it all started

Marie Copeland: Founder, Owner of Axcess Mortgage and Loans Financing Co. Ltd.

A bit about mortgage broker, me. I understand your struggles, been there, done that! Like many of you I am a devoted mother, a dotting grandmother and loyal friend. I am a Canadian Immigrant having had the good fortune to come to Canada, Hamilton Ontario, as a budding teenager many years ago. I am Polish born and English is my second language so I hope you can forgive the literary flaws in my writing.

Coming to Canada in those days, my parents were scared to death wondering how we were going to survive. They had no education, no job prospects, two young kids to feed and not a word of English.

Both my parents were in their late 40's. We arrived to Canada after an 11 day transatlantic journey on a ship named Batory, with only $25 each in our pocket and a suitcase. They bought their first and only home in Canada with a private hard money loan in Hamilton, bearing a 30% interest rate. I still have the mortgage document -- it took almost the rest of their lives to pay off their humble home.

My parents worked hard, struggled. I feel sad when I look at the mortgage approval for their only home in Canada. No one gave them home mortgage help to improve their situation. Looking back, their private mortgage in Hamilton should have been a short term, up to 3-year fix, until they resolved their employment and credit issues. Today I know so much more about private loan lenders in Ontario and how to use these tools to improve lives.

more about private mortgage lenders in Ontario

At a glance, bank mortgage vs private mortgage is at a fraction of the cost. But, getting a second mortgage with low interest only mortgage payments for a short term, in right situations can save you hundreds of dollars a month, improving your household cash flow and credit score rating. Best mortgage brokers apply their expertise to use these financial tools effectively, improving lives. Private hard money loans when used correctly with a sound exit strategy can save you money and help you rebuild financially.

Read about private hard money loans here

My parents did not get that home mortgage help. They just kept paying faithfully, hoping they could give me and my brother a better future. Their command of the English language remained weak and their bank never gave them home mortgage loan information to make the life changes needed. Today, I believe they could have easily transitioned into alternative mortgage financing and then prime bank lending within the first 3-5 years. I wish I could turn back that clock. Today, I could have made a huge difference how their financial journey worked out.

On the personal note, this tells you a bit about this mortgage broker Hamilton serving Ontario, passionate to help good people achieve their financial dreams.

I'm Passionate About Giving You Best Mortgage Loan Help. You Are Never Alone

Mortgage broker in Hamilton serving Ontario from my home town

You won’t be disappointed with my broad expertise giving you access to common sense mortgage solutions from best lenders.

Knowledge plus over 25 years of experience counts. Let me quickly assess and fine tune your information and send it to the right lender for a fast approval.

You'll Get Home Mortgage Loan Information To Make A Right Decision

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. Let me answer your mortgage questions and help you choose a mortgage that is right for you.

What mortgage can I afford?

There is no need for you to struggle through volumes of details, trying to understand all the mundane requirements - different offers, rates and terms.

You need a knowledgeable private mortgage broker, passionate about working for you not the big banks, helping you achieve your real estate financing dreams.

That's where I come in to get you approved for the best mortgage product the financial markets in Ontario offer ...

MORTGAGE LOAN OPTIONS CAN SAVE YOU MONEY OR COST YOU MONEY

Check out our services here

What mortgage can I afford ?

Get approved

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:

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! We are qualified Ontario mortgage brokers offering expert mortgage help with excellent service and sound mortgage solutions.

Marie Copeland, FSU, Mortgage Broker, Owner | FSRA No. M08002528

WHAT IS A MORTGAGE BROKERAGE? WHO’S WHO?

What is a Mortgage Broker Office, the Brokerage ?

It 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.

Why use a mortgage broker instead of a bank?

BANKS VS. MORTGAGE BROKERS

One-stop shopping for all your mortgage needs

Today, nearly half of the home loans and mortgages in Canada are handled by mortgage brokers, or home loan brokers, instead of the banks.

The banks focus on selling you only their own, most profitable products, that is a fact. When you go to a bank and your mortgage is declined, you must start the whole application process all over again with another lender. They will not give you the mortgage help needed to improve your situation.

What does a Mortgage Broker do ?

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 finger-tips. This gets you access to best interest rates, terms, mortgage lenders and the best mortgage solutions. It is a win!

Mortgage brokers offer access to a large pool of mortgage lenders, including banks, trust companies, insurance companies, credit unions and private lenders. So, we can be completely independent in our recommendations and to get you best rates in the marketplace. You will get custom-fit mortgage solutions to match your application.

Mortgage brokers give you fast mortgage help saving you time and money.

At Axcess Mortgage and Loans Financing Co. Ltd., we work for you not the banks, giving you a financial edge since 2000.

We've been giving Ontario a financial edge since 2000 including the GTA, Oakville, Bulington, Stoney Creek, Grimsby, St Catharines, Beamsville, Binbrook, Niagara, Ancaster, Dundas, Waterdown or Brantford corridor to Kitchener Waterloo.

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