Sun - Sat : 08:30am - 9:00pm
Steve@SteveWhiteMortgages.ca
905.903.4799

Cobourg Mortgage Advisor

I help ensure everyday Canadians have the best possible mortgage, with the best possible rates and terms. I proudly do my best to keep more money in my client’s pockets and out of the bank’s coffers.

As a Cobourg Mortgage Broker, I work with over 60 mortgage lenders including major banks, credit unions, alternative and private lenders servicing London, Ontario. Our brokerage is able to use our credibility and experience to get the best mortgage terms and rates to suit your needs and situation.

A good mortgage broker can help plan your mortgage around your long term goals, as well as short term life events – from helping pay for your child’s college/university, catching up on retirement savings to being mortgage free sooner.

Mortgage agents are there to help from before you even start to house shop, through packaging your financials, finding the right lender with the best rates/terms, overseeing the appraisal values and inspections, ensuring you’re not overbidding, checking in with your Realtor and lawyer and keeping all the financials running smoothly until you receive your keys.

Mailing Address: 975A Elgin St W, Cobourg, ON K9A 5J3

Phone: 905.903.4799

Email: Steve@SteveWhiteMortgages.ca

Investment Property Financing

I’m an expert in working with new and experienced real estate investors using a wide range of strategies from flips, buy and hold, BRRR, equity shifting, JVs etc.

As an investor/landlord myself for over 10 years, I’ve used numerous strategies to build my own portfolio and have access to a deep pool of lenders from low-rate banks, alternative lenders for growing portfolios to private lending for quick closings and advanced strategies.

Struggling First Time Buyers

Younger Canadians are struggling to get into their first home and they needs a creative, experienced and stubborn mortgage advisor who won’t give up on them. I’m experienced in advances mortgage strategies and have access to over 70 banks, credit unions and alternative lenders to develop a custom solution.
I’m an expert at working through difficult situations and exhausting all options to find a way to get you into your first home.

Debt Relief and Emergency Loans

Canadians are facing the most difficult and challenging times of our generation. Tens of thousands are out of work and looking for help managing their debts and paying their bills.
I’ve personally been through emotional financial hardships and have dug myself out of deep debts. I use my experiences and what I’ve learned to help others; from debt and credit card restructuring to quick emergency loans, I can help.

Refinance

With interest rates at an all-time low, now is the ideal time to review your curren mortgage and see if there’s a better deal out there. Even if you have several years left on your existing mortgage, I can help review your options to keep more money in your pocket.

Renew/Switch

Don’t sign your mortgage renewal without seeing what other options are out there. Most often there’s a better deal out there giving you better terms or lower rates. It’s worth an hour or two of your time to potentially save yourself and your family thousands of dollars a year.

Equity Takeout

Have a big project you’ve been dreaming of or a major life event such as a child’s wedding? Unlike buying luxury toys or extra spending money, using equity to enrich your life – travel the world, further your education – is a good use of some of the wealth you’ve built.

Self Employed

As a self employed mortgage broker who purchases investment properties, I know the challenges you face getting funding from traditional lenders. I’ve developed great relationships with many mortgage providers with special programs for entrepreneurs and business owners.

No Income

Life happens. If you find yourself out of work or with reduced hours and worrying about how you’ll make your mortgage payments, there are solutions out there for you. I can help you access some of the equity in your home and perhaps even put you into a mortgage without monthly payments.

Investing

Are you looking to purchase an investment property but don’t know how, where or when? I’ve been an investor myself for nearly eight years and have a unique insight into the proper way to invest. Investment property mortgages are much different than a mortgage on your own home and you need an expert to ensure the process moves along smoothly.

 

Investment – duplex conversion BRRR

Chris was looking to purchase his first rental property but was interested in using the BRRR strategy (Buy, Renovate, Refinance,...
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Foreclosure Rescue

A tearful Amber reached out saying her bank has been sending her letters threatening a Power of Sale (known as...
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Emergency condo purchase

Lisa and Adam texted in a panic after receiving a call from their bank saying their mortgage ‘approval’ was no...
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Why Work With Steve?

Better technology, more experience, better solutions and more caring than most mortgage brokers.

Experienced

Connected

Specalized

Accessible

Organized

Caring

I’ve Done A Lot!

After years of financially struggling to becoming an investor with a growing portfolio of numerous income properties, I’ve learned a lot!
I’ve worked my way from the bottom and understand struggle.

I Have Access to Answers

With access to over 70 lenders from big banks, alternative lenders to private financing, memberships to numerous trade associations and personal connections to hundreds of specialists.
I’m able to find the answers to the most complicated real estate and mortgage problems.

I Solve Tough Problems

From helping those struggling with debts, to young buyers unable to qualify, to new and experienced real estate investors looking to grow a portfolio.
I specialize in difficult situation most banks and brokers aren’t able or willing to solve.

Reach Me on Numerous Platforms

Connect with me how you’re comfortable. From quick and low-pressure texted questions, emails, web chats, video conferencing, phone calls to Whatsapp, Facebook Messenger and Instagram DMs.
I’m available to answer all your questions on your preferred platform.

Using Technology and Automation

I rely heavily on using cutting edge technology to provide you the best service possible.
From automated reminders, tracking systems through to digital signatures and encryption to make this process as easy, safe and efficient as possible.

I Help People

Above all my personal motivation and happiness comes from helping others. Not only do I help rescue clients from debt, investors build multi-million dollar portfolios, but I also donate a portion of all my income to those in need, volunteer a significant amount of time and sit on several charity boards of directors.
I really do care.

What People Are Saying