Your Mortgage Source
35639 Eagle View Place V3G0C8 Abbotsford, BC, Canada

Meet the team: Harry Bedi Mortgage Advisor 778.968.8764... Harry Bedi is a licensed Mortgage Broker with Your Mortgage Source. He is here to help his clients by providing mortgage services for Residential, Commercial and Agriculture properties. Harry brings knowledge, passion and hard work to the table to help his clients find the best mortgage rates and terms for purchasing or refinancing their properties. Harry graduated from a local college with a Diploma in Business Administration and worked in this field until he obtained his Mortgage Broker registration. During this time he developed good working relationships with local Lawyers, Realtors, Builders and Financial Advisors, many of which continue to work with him in his mortgage brokering activities. Harry has helped clients who are first time home buyers, clients with bruised credit and clients who are business owners/operators. He looks forward to helping you purchase your next home or refinance your current one. He can be reached via phone or email at anytime for mortgage related advice and services.

Products we offer: First Time Home Buyers Are you a first time home buyer looking to purchase your first home? You can own a home with as little as $0 down payment and pay less than rent. We specialize in first time home buyer mortgages and are here to help you. Call us today and ask about our first time home buyer benefits.

Meet the team: Harpreet Kaler Mortgage Advisor 778.551.0751... Harpreet Kaler is a licensed Mortgage Advisor with Your Mortgage Source. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.

Our latest lowest mortgage rates and products available. Call us today at 604-556-3893 or email [email protected].

From all of us at Your Mortgage Source we would like to wish you and your families a Merry Christmas!

Meet the team: Bin Liu Mortgage Advisor 604.791.3635... bin76972 Bin is a hard-working immigrant and a diligent mortgage advisor who offers honest service in a timely manner. He graduated from the mortgage broker program at the UBC Sauder School of Business. Bin is always happy to help you in English or Mandarin.

Our lowest rates all under 2%! Call 604-556-3893 or email [email protected] for more information.

Products we offer: Reverse Mortgages If you are a senior with equity in your home and limited cash flow we may be able to help you. Reverse mortgages give you cash to live on without making any payments on your mortgage. Call us today for more information.

With mortgage rates at all time lows we have many clients calling us and asking if it is worth it to refinance their current mortgage. We are happy to do an analysis for anyone to let them know whether or not it is worth it to refinance. In some cases it is and in others it doesn’t make sense due to the penalty to break the current mortgage. This article outlines a few things you need to know about refinancing your home.

Our Client Comment of the Week: "We have used YMS now two times. Both times we have had an amazing experience. They were knowledgeable about what we needed or questions we had. They were fast and responsive. They were very respectful and nice when talking on the phone or contacting via email. Would highly recommend to anyone looking for a mortgage/loan/credit cards, or to anyone who has questions about mortgages/loans/credit cards. They are the people to go to, and we will be using them for all our future needs." Nathan Blackmon

Our Client Comment of the Week: "Service was top-notch from beginning to end. Alex and team were helpful and responsive, all in a timely manner. Thank you for making this process so much easier. Props to your team!" Arnel Sattar

The Government of Canada announced changes to the Employment Insurance (EI) program and new recovery benefits that will better support Canadians. If you need financial assistance after your CERB ends as of September 27, 2020, there are some temporary changes to the EI program to help you access EI benefits. These changes will be in effect for 1 year. If you received the CERB through Service Canada or Canada Revenue Agency there will be different qualifying criteria.

Meet the Team: Sean Siaus Mortgage Advisor 778.808.2241... Sean Siaus was born and raised in the Lower Mainland, calling Abbotsford home for the last 30 years. He and his wife are successful small business owners with 7 locations throughout the Fraser Valley. After successfully completing the Sauder School of Business Mortgage broker course, Sean is thrilled to find a home at YMS to tap in to the insight and knowledge they can offer. Leveraging his experience as a successful business owner, he has translated that by offering outstanding customer service, high-tech convenience, and the knowledge to offer his clients a GUIDED STRESS FREE mortgage process. He believes strongly that it is his duty to provide his clients a process that will arm them with market information and insight that allows them to make the best decision possible in their situation. Sean is looking forward to finding the right mortgage FOR YOU!

Our Client Comment of the Week: "Alex, Janice and the team at YMS have been my brokers for a decade. I couldn't be happier that my realtor referred me to them in the first place! This team is up to speed with market trends and changes, and is very good at catching any potential issues with paperwork etc. I can't recommend YMS highly enough." Kate Witoszkin

MEET THE TEAM: Rinku Bhatia Mortgage Advisor 778.891.7595... Rinku Bhatia is a licensed Mortgage Broker with Your Mortgage Source. With his extensive experience in the construction industry he doesnt sell mortgages to his clients but helps provide the best rates to them. He deals in residential, commercial, and industrial mortgages. He has helped customers with bad credit, no credit, first time home buyers and second mortgages. Rinku is a graduate of the UBC Sauder School of Business. He is also an Architectural Designer, running a small firm. With his experience he provides exceptional service to his clients for their mortgages needs.

First time home buyers in British Columbia have several benefits available to them when buying a home. As a mortgage broker our goal is to make sure you can take advantage of these opportunities available to ensure you can purchase a home and try and utilize all of the advantages available to you.

Meet the Team: Scott Doerksen Mortgage Advisor 604.850.4345... Scott Doerksen was born and raised in the Abbotsford area where he still resides with his lovely wife Colleen and their three children. He has owned and operated a large family farm, has build several homes and has an extensive list of trades that can be drawn upon for almost any situation. His combined knowledge of business and construction is an invaluable asset in assessing, calculating and presenting viable options to his clients. Scott is a graduate from the mortgage broker program at the UBC Sauder School of Business. As an YMS advisor, Scott has access to a large number of lenders and enjoys the challenge of every financing situation and obtaining the lowest cost financing solution. Scott is 100% committed to supplying Second to none Service for ALL clients in Abbotsford, Chilliwack, the Fraser Valley and Canada. Whether you are looking to buy your first home, consolidate debt, purchase a commercial or agricultural property, or just refinance call Scott anytime for a FREE consultation.

PRODUCTS WE OFFER: Secured Lines of Credit You dont want to make principal & interest payments on your mortgage. You want the flexibility of paying off the mortgage against your house and then re-borrowing without further legal fees. How about a totally open line of credit secured by your house that allows you to pay it off without penalty at any time. Ask us about a secured line of credit.

Our Client Comment of the Week: "I cannot give enough praise to Your Mortgage Source for the incredible job they did for us in securing a mortgage for our new construction purchase. The entire process took over a year, from the pre-approval to completion, with many date changes and changes in numbers. They were incredibly helpful the entire time, reaching out for updates, renewing the rate and working to secure us the best rate possible right up until the final days. They especially went above and beyond and even caught an error in our calculations that would have been very expensive for us at completion. This is the 3rd time weve used YMS and well be using them for life!" Anne Downton

Our latest Mortgage Rates & Products. 5 year fixed rates continue to drop a little. Please email [email protected] or call 604-556-3893 for more information.

Rick Warren Mortgage Advisor 604.807.3506... Rick Warren has been helping clients achieve their financial goals for over 40 years, firstly as a banker, then as a finance and lease professional and most recently, since 2006, as a mortgage professional. Throughout his career Rick has strived to provide honest, reliable customer service and an excellent client experience at every opportunity. The skills and attributes that made him a successful banker and finance professional enables Rick to see through the challenges in todays marketplace and find a way to help clients purchase or refinance a new home, second home, existing property or commercial investment. Ricks client base extends from the Fraser Valley to Greater Vancouver, the Sunshine Coast, Vancouver Island, and the Interior.

PRODUCTS WE OFFER: Financing for Clients with Credit Problems: Have you been turned down by your bank for mortgage financing? Do you have credit problems that are holding you back financially. We have access to a variety of lenders for many different situations and may be able to help you. Give us a call to discuss your situation and we will endeavor to find a solution for you.

Our latest Mortgage Products and Rates. Some great rates under 2% available right now. Call 604-556-3893 or email [email protected] for more details.

PRODUCTS WE OFFER: First Time Home Buyers Are you a first time home buyer looking to purchase your first home? You can own a home with as little as $0 down payment and pay less than rent. We specialize in first time home buyer mortgages and are here to help you. Call us today and ask about our first time home buyer benefits.

Our lowest mortgage rates on purchase start at 1.84%! Plus we have great low rates on renewals and refinances. Call us today at 604-556-3893 or email at [email protected].

MEET THE TEAM: Rupy Sidhu Mortgage Advisor 604.318.7652... Rupy is a graduate of the Sauder School of Business at UBC where she successfully completed the mortgage broker program. She grew up in the small town of Kamloops, BC before moving to the Lower Mainland. In her previous line of work Rupy has worked as a licensed Pharmacy Technician, completed Dental Hygienist program, and has been an instructor at the Academy of Learning. Along with Rupy’s educational background, Rupy is fluent in both English and Punjabi. Throughout her career, Rupy’s passion has been to help people, and provide them with highest degree of service and trusted advice. Rupy’s goal as a Mortgage Broker is to continue to build upon her past successes, and help her clients to achieve their financial goals and their dream of owning their own home.

MEET THE TEAM: Raman Sidhu Mortgage Advisor... 604.615.9862 Raman is here to help you with your financing needs. She has 15 years of finance experience. Throughout her finance career she has built a large network which includes appraisers, lawyers, notaries, accountants and other professionals. She will utilize her experience and network to help you with the finance requests you have. Raman has helped individuals with establishing credit, buying their first home, refinancing, rebuilding credit and many other life changes an individual may go through. She is available via phone, text or email.

Our Client Comment of the Week: "We were first time home buyers and had little knowledge of the steps required to purchase a house. The team at Your Mortgage Source were very thorough and walked us through everything that was required. They worked efficiently on our case and matched us with the perfect lender. Thanks again!" Matt Sweeney

Alex Kotai: Some interesting things to think about for commercial real estate this year.

PRODUCTS WE OFFER: 5 Minute Mortgage Application Our online application only takes 5 minutes to complete and we will get back to you within 1 2 business days. Visit www.ymscanada.ca/mortgage-application.

MEET OUR TEAM: Manny Sharma Mortgage Advisor... 604.807.2297 Manny has been resident of Abbotsford for last twenty four years. After graduating from Abbotsford Senior Secondary in 1996 he attended UFV and obtained his Certificate in Accounting. He obtained his Sub-Mortgage Broker registration from UBC/Sauder School of Business in 2009 and has been offering his services as a Mortgage Broker since that time. Manny also volunteers for community work projects. Manny specializes in residential, construction and agriculture mortgages. He looks forward to working with you on your next purchase or refinance and will do his best to ensure your needs and expectations are met.

PRODUCTS WE OFFER: Stated Income Financing for Self Employed Clients Are you self employed and dont show the required income on paper to qualify for the mortgage you need? Then call and ask us about our stated income mortgages. You can borrow up to 90% of the value of a home based on income that you state you make and not what you declare on paper. This means that self employed people can save taxes by declaring minimal income and still qualify for the mortgage they need.

Our latest Mortgage Rates & Products. Give us a call at 604-556-3893 or email at [email protected] for more information.

The Fraser Valley Real Estate Board saw the second-highest number of both property sales and new listings ever recorded in July. Read more in our latest infoletter.

MEET THE TEAM: Mandeep Brar Mortgage Advisor... 604.825.7681 Mandeep Brar has been in the financial industry since 2009. He is a graduate from mortgage broker program at the UBC Sauder School of Business. His extensive knowledge and experience comes from working as an insurance advisor at World Financial Group. As a YMS mortgage advisor Mandeep has access to a large number of banks, credit unions and other lenders. He looks forward to helping you whether you are purchasing a new home or refinancing an existing property. He can be reached at any time by phone, text or email.

Alex Kotai: We have heard many people calling for a crash in real estate since the 2008 financial crash. The history of prices since 2008 is a wild one and no one could have predicted the market we are now in today.

PRODUCTS WE OFFER: Mortgage Refinance Are you looking to borrow against your home to consolidate debt/lower your payments? Do you need money for renovations, to purchase a vehicle or anything else? Quite often times the interest rates on other debt you have can carry substantially higher costs than on a mortgage. We have a variety of mortgage refinance options that can help you put all of your debt into one low rate and payment

MEET OUR TEAM: Kumar Rathod Mortgage Advisor... 778.241.9153 Kumar was born and raised in India. After completing his basic schooling he obtained his Bachelor of Science degree. Since that time he has been self-employed. He owned and managed a copper factory for approximately 25 years before immigrating to Canada in 2005. He continued his education here by obtaining a Post Degree Diploma in Business Studies from Vancouver Island University. He then settled in Abbotsford where he became a licensed realtor and subsequently obtained his Mortgage Broker license a few years ago. Kumar prides himself on being honest, transparent and reliable. He can be reached at any time and looks forward to helping you whether you are purchasing a new home or refinancing an existing property.

PRODUCTS WE OFFER: $0 Down Mortgages on Owner Occupied Properties Are you tired of paying someone elses mortgage? You dont want to deal with landlords any more however, you have no money to buy a place of your own. We have the solution for you in the form of a $0 down mortgage. This means that almost anyone can own their own home. We have lenders who will finance 95% of the purchase price and allow you to borrow 5% in the form of a loan for your down payment. Also, you have the option to have your 5% down payment gifted from family. This program is available to first time home buyers and anyone else who has owned a home before

Our latest Mortgage Rates & Products. Still some small decreases in mortgage rates over the last week.Give us a call at 604-556-3893 or email [email protected] if you have any questions.

Rick Warren Residential Market Commentary: Homeowners are shaking off COVID concerns... Mortgage Professionals Canada has launched a series of new surveys designed to gauge the sentiment of Canadians toward home ownership during the COVID-19 pandemic. The survey will be run four times over 24 weeks. It examines four main aspects of home ownership and home buying sentiment in Canada: - How Covid-19 has affected employment and incomes - Impacts on expectations about buying homes - Attitudes and expectations on topics related to housing markets and mortgages - Opinions about the mortgage deferral program. The first results were released last week. They suggest that more than half of current home owners (57%) do not feel that their employment situation has been severely impacted by COVID-19. Many others expect any changes or impacts will be short-term. The report also indicates that the vast majority (72%) of owners are comfortable with their current mortgage debt. Overwhelmingly (90%) they remain pleased with the decision to purchase a home, says MPC in a release. The survey shows an increase in expectations for home ownership in the near future: Among non-homeowners, 14% now expect to buy a home in the next year. That is up from 7%; double what it was at the end of last year. More current owners are also looking at buying a new or additional property. "What we have seen clearly is that the vast majority of home owners are not feeling a long-term financial impact related to COVID-19, and that potential home buyers are still very much in the market for a home, signs of which are being seen in regions across the country," says Paul Taylor, President and CEO of MPC. First National Financial LP Aug 10, 2020

PRODUCTS WE OFFER: Fixed & Variable Rate Mortgages We have a wide variety of mortgage rate options to suit all of the needs of our clients. We offer fixed rate mortgages in terms from 6 months to 10 years. On the variable rate side, we have closed variable rate mortgages that offer the most competitive mortgage rates in the market. We also have access to open mortgages as well as line of credit products that are fully open

Our Client Comment of the Week: "I've worked with Alex and his team for several years, during which they've helped me purchase three houses. They've always been highly responsive, efficient, creative, and personable. Most important of all, they come through with the financing when I need it. Highly recommended." Kevin Miller

Mortgage Rates are at all time lows. Here are our latest best mortgage rates and products. Call us today at 604-556-3893 for more information.

MEET OUR TEAM: Kulwinder Dheria Mortgage Advisor... 604.217.7676 Kulwinder Singh Dheria has been in the Financial Industry for over 10 years providing exceptional advice and service to his clients. Kulwinder has an MBA degree in Finance. His extensive knowledge and experience comes from working as an Investment and Insurance Advisor at Investors Group, Financial Advisor at CIBC and Manager Mortgage Specialist at TD Canada Trust. Kulwinder works with first time Home Buyers, Commercial Business Investors, Builders, Financial Planners, and Realtors. He services the Greater Vancouver Area, Fraser Valley and across BC.