Empowering Your Homeownership Dreams
Providing education and personalized mortgage solutions to help you reach your goals.
Empowering Your Home Ownership Dreams
Providing education and personalized mortgage solutions to help you reach your goals.
Shelley Wolsey
Mortgage Broker
Ensuring you, your home and your lifestyle are first.
Trusted. Committed. Connected.
When you work with me for your Mortgage, your experience is my priority!
Many people find the mortgage financing process to be stressful and complicated, but you don’t have to. I’m on your team to make sure you have the information you need and that you can enjoy a mortgage process that is designed with you in mind, ensuring your experience will be simple and straightforward
Whether you are saving up for your very first home, downsizing or upsizing, looking for the perfect investment property that will maximize your return or searching for that unique rural acreage, my goal is to give you options and help you see your dreams come true. Since each person, property and lending situation is unique, you need an Okanagan mortgage broker with local knowledge, who provides exceptional service.
Purchase
This could be the biggest purchase of your life and the mortgage broker you choose to work with will affect your experience and outcome.
You want someone in your corner that can help you strategically prepare, so you have confidence throughout your house hunting journey. You want to know exactly what you can afford, how much you are pre-approved for and have the knowledge necessary to put your offer down on that dream property knowing that the outcome will be a success.
Renewal
A lot can change in 3-5 years and a mortgage renewal is an opportunity to ensure your current financing product is meeting your needs.
Do you want to make sure you are getting the best rate possible? There are so many options out there and different ways of structuring your financing. Rates are only one piece that should be considered. When your mortgage is up for renewal it is a fantastic time to start working with a mortgage broker. I suggest that we start looking at options 4-6 months prior to your renewal date.
Refinancing
If you are a homeowner with more than 20% equity in your home, then you may want to take advantage of refinancing as there could be many benefits.
Do you have credit card debt or want to do some renovations that can increase the value of your home? Perhaps you can get a lower interest rate, or a different product or change the mortgage type from a variable mortgage to a fixed mortgage.
Contact Shelley Wolsey to learn more about your refinancing options and how they can benefit you.
Investment
Real estate is one of the best investments you can make. Are you in the market to purchase a second property for a rental or a family cabin!
You need a mortgage broker who is well versed on all the requirements of owning multiple properties, who is creative and will strategize a plan for you to ensure it is the most effective structure for your investment and taxes. Perhaps you are not quite ready to buy yet, working with a mortgage broker in advance can give you the information you need to make a plan and start working towards it.
Mortgage Architects has access to more than 50 lending institutions, including major banks, credit unions, trusts and other national and regional lenders to ensure we are able to provide just the right mortgage solution for you needs today and tomorrow.
Download My Mortgage App
Calculate your total cost of owning a home.
Estimate the minimum down payment you need
Calculate Land transfer taxes and the available rebates
Calculate the maximum loan you can borrow.
Stress test your mortgage
Estimate your Closing costs
Compare your options side by side
Search for the best mortgage rates
Email Summary reports (PDF)
Use my app in English, French, Spanish, Hindi and Chinese
Interested in owning an acreage, rural property or hobby farm?
You need a specialist in Rural Property Mortgages
Specializing in mortgages for acreages and hobby farms, you will have an expert by your side to help you understand all the unique requirements around rural properties. Zoning, bylaws, structures on the property, insurance, proximity to a major center - all of these factors can affect your financing options.
Are you planning on operating a business or having animals on your property? Different rules apply to properties with animals and it is important to be aware of them prior to starting your property search. As a rural property owner herself, Shelley is able to provide real lived experience in navigating the intricate details of rural property mortgages in the Okanagan.
Working With Shelley
Your trusted licensed mortgage professional
Having raised my family, lived, worked and enjoyed all that BC has to offer for over 25 years, its been a blessing and a true privilege to assist my clients, local businesses and communities over the years to realize their dreams.
My promise in exchange for the trust my clients have always given me is to be that much needed resource, be that team member that will work for them, bring them options that align with their strategies and provide key information and education along the way.
An Okanagan Mortgage Expert
Living the Okanagan Dream! Hot summers, mild winters, a full four seasons playground. What more could you want? Perhaps the perfect home to go along with it! It is so important to know the perfect city and neighbourhood to match your interests, vision and family plans. Having someone with over 25 years living and working in the Okanagan guiding you through the process is a game changer.
Offering The Help You Need
It could be your first home, or your last home - no matter what the situation, purchasing a home can be stressful. Having someone with the expertise to help you make informed decisions and secure the best possible financing options is vital at any stage of the home owning journey. As a first time home owner it is important to have a mortgage broker who will take the time and be by your side throughout the whole process. If you are considering an acreage or rural property there are unique requirements that make it different from a traditional residential mortgage. Shelley has personal experience with rural properties and can guide you through the process having walked this path herself.
Choosing A Mortgage Product
Open or closed mortgage? Fixed or Variable? Conventional mortgage? Convertible Mortgage? Reverse mortgage? There are so many different types of mortgage options available in Canada but you might not have access to them if you choose to work with a bank. Your situation is unique and you need a mortgage broker that will take the time to explain and explore all options that are available to you. Finding the perfect fit can be a smooth and stress free process with the right broker.
Experience The Difference
For Shelley, you are not just another number. She puts you first, makes your dreams and goals her own and brings real life experience in to her business which allows her to connect with her clients and build strong relationships. Having compassion and empathy for each and every client, bringing an understanding of your unique situation, your challenges and above all, understanding the many paths life can take you set Shelley apart from the rest.
It’s not just about closing a deal, it’s about being part of your team and building the relationship with you so she can bring value, help you build your future and support you in the years to come.
Partnering with you every step of the way
You will have access to a broad range of lenders and a wide array of options, support to educate you on the loan process, information on current market conditions, all while securing the best rates and products for your unique situation.
Ensuring you, your home and your lifestyle are first.