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Mortgage Broker

About Us

My name is Jeff Evans. I am a Vancouver mortgage broker with Canada Innovative Financial – Mortgage Architects. I have been providing top mortgage services to home buyers and home owners since 2007.

When I learned about mortgage brokering, I was excited to learn how I could help people get approved to own their dream homes.

Certification

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Google Reviews

  • review rating 5  Jeff was very helpful and knowledgeable. He has helped me with two mortgage deals and both times were a good experience. Would definitely recommend Jeff.

    thumb Ernest Grundza
    4/15/2019

    review rating 5  Thank you so much Jeff Evans for all your hard work and help finding the best rate for our new home. Your very honest and if we have questions you answers it right away!!

    thumb Bessie Espiritu
    3/12/2019

    review rating 5  Jeff went out of his way and didn’t give up until he found the best solution to our Mortgage Needs. We are so thankful for this because we ended up purchasing our dream home when we thought it wouldn’t be possible! Thanks Jeff!

    thumb Tarn Khare
    1/23/2019
  • review rating 5  Jeff worked hard to assist with our mortgage needs. His time and effort was very much appreciated.

    thumb Rod Simpson
    1/21/2019

    review rating 5  Jeff went out of his way and didn’t give up until he found the best solution to our Mortgage Needs. We are so thankful for this because we ended up purchasing our dream home when we thought it wouldn’t be possible! Thanks Jeff!

    thumb Tarn Khare
    1/17/2019

    review rating 5  Jeff is super professional and went out of his way to make this happen for my partner and I. He looked at tell the possible options and fulfilled our dream of buying a house ! He’s super friendly, super efficient, hard working and we cannot recommend him enough ! If you are looking to buy a house and need a mortgage broker, Jeff Evans is the man. Thanks so much Jeff !

    thumb Hassie A
    1/17/2019

Mortgage Lenders in Vancouver BC, Canada

The Vancouver mortgage and real estate market is ever changing. Anyone who wishes to own a home here someday needs to keep up with such changes. As a professional Canada mortgage broker we know how to stay abreast of these changes with market research and keep our clients updated. It is our goal to provide every client with their dream home with best possible terms and conditions. Whatever be the cost, wherever be the location we will help you avail the deal and get best financial assistance. We have a comprehensive network of private lenders and mortgage lenders in Vancouver BC, and we can provide you with best service.

Vancouver is a coastal city in British Columbia (BC) and the eighth largest Canadian municipality. Its prime location makes it one of the hottest locations for settling down. We are here to help to transform this dream into reality. Feel free to browse through our site where you will find all needed tools and information regarding this market. If you have any other queries, please refer to our contact details.

Our Blog

home buyer mortgage broker
First Time Home Buyers Mortgage Broker Tips And Tricks
Jeff Evans
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Among the services I provide to my clients, I consider myself to be a "first-time home buyer mortgage broker".  As a first time home buyer mortgage broker, I know how difficult it is to get into the real estate market, particularly in Vancouver, and it brings me a particular amount of job to help someone get past the challenges if being a first time home buyer.

I have recently completed an e-book and will be launching it soon.  I believe it will be very helpful for not just first-time home buyers, but for anyone who is not as knowledgeable in residential mortgage lending, about how to make your home buyer mortgage broker application appealing to a mortgage lender.

As a sneak preview, here are three tips on improving your mortgage application as a first-time home buyer.

3 Home Buyer Mortgage Broker Tips

  1. Take advantage of the home-buyers plan to fund your down-payment.  This program is not technically ONLY for first-time home buyers, but all first-time home buyers are eligible.  Under the plan, you can borrow up to $25,000 from your RRSP for the purchase of an owner-occupied residence.  If you and your spouse are both applying, then you can withdraw $25,000 each. It is a loan, so it has to be paid back over 15 years (or 1/15th of the loan will be added to income for that year).  However, there is no withholding when you withdraw it, it does not have to all be declared as income on any given year, and you don't even have to use all of it for down-payment!  You can use it for any purpose that you need it for. A good mortgage broker, like myself, can help you with some of the finer details and complex situations that often arise from these situations.
  2. Make sure you pay your bills on time. If you have a high balance on your loan, or you have a lot of debt, those also have a significant negative impact on your credit score, but you can get the bills down and there is no record of your high debt levels.  However, when you miss a bill payment, it stays on your credit bureau for 6-7 YEARS.  This not just negatively impacts your credit score, but lenders look at this when assessing risk, and they have been particularly uncompromising and (unreasonable, paranoid, strict...and other words that I cannot put in print) in the last few years.  While you likely do not have to wait 6-7 years to become bankable if you have had gone through a period of bad credit, the less negative credit on the bureau, the better. At least make the minimum required payments and you will go a long way to making yourself appealing to them.
  3. Having no credit is just as bad as having bad credit. Many people feel that not requiring credit should prove your ability to pay your bills and should be good evidence of credit-worthiness.  This is not how mortgage lenders think.  If you currently do not have any credit, then you do not have any documentation that you are an acceptable credit risk, and no matter how strong your income is, you will have difficulty obtaining a prime mortgage approval.  Make sure you have at least 3 different credit facilities in your name.  (Secondary credit cards in a spouses name are not considered acceptable for establishing your credit).

I am excited to launch my home buyer mortgage broker e-book soon, in which I go into much greater detail and give many different ideas to help home buyers prepare for home ownership, but as a mortgage broker in Vancouver, you are welcome to contact me in the meantime to discuss your circumstances and see if there are any options for you.

mortgage broker Vancouver BC
Good news regarding OSFI rule changes
Jeff Evans
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This is just a quick note to let viewers know that IF you are one of the people with 20% or more down-payment and are in a position that the new OSFI rule changes affect your pre-qualification, that I can extend the current guidelines into the new year by up to 120 days provided that I have an application and am able to get a pre-approval in place with a lender for you before January 1.Read More

OSFI B20 mortgage guideline changes 2017 – Part 2
Jeff Evans
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This is a continuation of the article published here about the OSFI B20 morgage guidline changes for 2017.

If you are familiar with mortgage brokers at all (which you probably aren't) you would know that we also have alternative sources of lending for situations where a mortgage borrower will not qualify with a prime institution.  We have what we call "B" lenders, who have higher rates but more flexible lending criteria, and we have private lenders, which are individuals and corporations who can lend money on on anything that suits them.Read More

Get in Touch





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Jeff Evans

President/Mortgage Broker

Canada Innovative Financial 200 - 2851 Simpson Rd. Richmond, BC V6X 2R2 Canada
2125-88 W. Pender St. Vancouver, BC V6B 6N9
604.318.1292
jeff@bc-mortgage-broker.ca

Ann Evans

Vice-President/Mortgage Broker

2125-88 W. Pender St. Vancouver, BC V6B 6N9
778.957.2789
ann@bc-mortgage-broker.ca

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