01

Purchase

Your home is likely going to be the biggest, most exciting purchase you will make..... There is so much to know and excitement surrounding your home purchase that it is essential that you have a competent and qualified mortgage professional in your corner.

02

Refinance

Refinancing is a great way to take advantage of the equity you have built over the years by paying down your mortgage. You are able to access up to 80% of the appraised value of your home.....

03

Renewal

When your current mortgage term is coming to an end, you will need a new commitment..... Many people don't realize you can shop around and transfer to a better option instead of auto-renewing.

Your lender might not offer their best rates in the renewal letter—contact me early (you can lock in rates up to 120 days ahead) to explore and secure the best terms.

04

Pre-Qualification

& Pre-Approval

Whether you are a first-time home buyer or not, it is essential to know what you can afford before you start looking.....

I'll review your employment, assets, liabilities, credit, and down payment to determine your purchase power. If anything needs work, we'll create a plan to get you ready sooner. This saves time and stress down the road.

Come see what we're all about

Hi, I'm Caleb Smith, a local independent mortgage broker in Regina, Saskatchewan. I help Saskatchewan families explore mortgage options across multiple lenders with clear, no-pressure guidance.

This is the text area for this paragraph. To change it, simply click and start typing. Once you've added your content, you can customize its design by using different colors, fonts, font sizes and bullets. Just highlight the words you want to design and choose from the various options in the text editing bar. This is the text area for this paragraph. To change it, simply click and start typing. Once you've added your content, you can customize its design by using different colors, fonts, font sizes and bullets.