Joel Olson Mortgage

What does a mortgage broker do, and why work with one instead of going straight to my bank?

Your bank offers one set of products. I work independently, which means I have access to dozens of lenders — banks, credit unions, and mortgage companies — and I shop on your behalf to find the right fit for your situation. You get more options, unbiased advice, and in most cases, no cost to you. My fee is paid by the lender once your mortgage closes.

How long have you been doing this, and who do you work with?

I've been arranging mortgage financing since 2008, so I've helped clients through every kind of market — rising rates, falling rates, and everything in between. I'm part of Indi Mortgage, The Independent Mortgage Company, which gives me access to a wide range of lenders and products.

Do you charge fees for your services?

In most cases, no. My services are typically provided at no cost to you — the lender compensates me directly when your mortgage is arranged. In situations that require private lending or more complex financing, I'll always explain any fees clearly before we move forward. No surprises — that's how I operate.

What types of mortgages do you handle?

Pretty much everything. Whether you're buying your first home, purchasing an investment property, refinancing to access equity, consolidating debt, renewing your mortgage, or navigating a divorce or separation — I can help. I also work with self-employed borrowers, newcomers to Canada, seniors, clients with credit challenges, and those who need private lending solutions. If a mortgage is involved, let's talk.

I have some credit issues. Can I still get a mortgage?

Yes, credit challenges don't automatically close the door. The options available to you depend on your specific situation — the nature of the credit issue, your income, your down payment, and how long ago the issue occurred. I work with lenders who specialize in non-traditional credit profiles, and I'll give you an honest picture of where you stand and what the path forward looks like.