Kristy Towson
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KRISTY TOWSON
your Kelowna Mortgage Broker
20+ Years Experience
Your Kelowna Mortgage Broker
20+ Years Experience
Services
Purchasing
Whether you are buying your first home or moving to your next one, I help you understand your options and secure financing that fits your goals. We will review your income, down payment, credit profile and preferred budget, then compare mortgage solutions from a range of lenders. From pre-approval through closing, you will have clear guidance at every step.
Refinancing
Refinancing can help you access home equity to consolidate higher-interest debt, complete home renovations, or help you prepare for a major financial goal. I will review your current mortgage, explain the costs and potential savings, and compare options so you can make a confident decision. The goal is a mortgage plan that supports where you are going next.
Renewing
Your mortgage renewal is an opportunity to reassess your rate, term and overall plan rather than simply signing the first offer. It is also a perfect time to review your financial goals. I will compare lenders rates and terms and help you choose a renewal strategy that matches your budget and future plans. Starting early allows you to capitalize on the lowest rate and gives you more time and flexibility.
Reverse Mortgages
A reverse mortgage allows eligible senior homeowners to access some of the equity in their home without selling it or making regular mortgage payments. It is a great way to provide additional supplemental income or provide a one time payment for you to use how you wish and accomplish a personal financial goal. Together, we will consider whether it is the right fit for your needs.
Mortgage guidance for every stage
Special situations, clear solutions
First-time homebuyers: Buying your first home can feel overwhelming. I will explain the down payment options, qualification steps, closing costs and available mortgage programs so you can move forward with a clear plan and realistic budget.
Self-employed individuals: Traditional income documents do not always show the full picture. I help self-employed borrowers prepare the right information and explain how lenders assess income. I find financing options that reflect their business and personal goals. Not every self employed business person is the same, just as not every lender is the same. Knowing the different lenders policies surrounding documentation required and business for self programs saves time and leads to quicker approvals.
New to Canada: If you are new to Canada, there are lenders with programs specifically for you! I can explain the documents and lender requirements that may apply. We will work together and get you on the path of homeownership.