Welcome to your financial answers.
People hate what they fear and they fear what they don't understand. Most people don't understand their mortgage. Fortunately, I am part of a team of agents who love just that, because they understand the process. Coming from a set of competitive athletic backgrounds, our skills transfer well to the business of helping you overcome obstacles in your way to home ownership, and more importantly, to better understand your mortgage to maximize your savings and know why you selected the best option for you.
Finding the right mortgage for you is our business. We know which lenders have the best rates and we negotiate with multiple lenders at one time. What's more, we know the system and have the industry knowledge required to present a proposal for financing to lenders to successfully obtain mortgage financing, and we do all the paperwork. Plus, CENTUM Mortgage Professionals are compensated by the lenders, and in most cases we offer our services free of charge to our clients.
So don't be afraid of finding out what financing you can qualify for. Complete the 15 minute mortgage widget above and expect to hear from me shortly. As all the marketing says...
At CENTUM, we're always looking out for your best interest.™
Alberta born, I break the general rule of the Okanagan. If you live here and are over 40 you're from Grande Prairie and if you're under 40 you're from Calgary. I'm originally from Grande Prairie. A quick few year stop in Vernon, but otherwise I was raised in Kelowna and graduated from OKM. I chased a football dream across the country after three years on the Okanagan Sun. Unfortunately I fell short of the professional dream several of my friends attained but it was a fun adventure.
For the past decade football has been most of my existence, it is nice to now have something I'm as interested in that actually matters to people to put my time and effort towards.
Philosophy - What makes people who they are? How does each individual contribute to the society at large? How are individuals influenced to inspire the social change desired? What do people believe? Why? What's the outcome?
Athletics - How do people who do apparently amazing things achieve that level? What prevents the rest of us from being nearer them?
Economics - The immeasurable answer to most the philosophy questions that interest me.
I once took a personality test, motivators and demotivator, etc. My "theoretical" score (a rating of how much you value learning and knowledge) was as high as possible. This is a compulsive attribute I can't escape. Even when writing brief bios about myself.
I also have dogs, I really love my dogs. Is that a personal interest? And mortgages! Can't forget mortgages. I don't know what to put here, my facebook "like" list? If you want to know more about me lets get coffee and you can ask.
Okanagan Mission Secondary School graduate. One year of American small town culture shock at Eastern Oregon University. Two years at Okanagan College while playing for the Okanagan Sun, which got me accepted into Queens University to major in philosophy of education.
After a set of relatively minor injuries sullied my first impression with a coach, at the same time a philosophy of education class convinced me paying for knowledge is fairly antithetical to the process of learning. Knowledge isn't purchased but acquired so unless you plan on using the paper you're paying for, there are better ways to invest money and time, both for your wallet and mind in the information age. After leaving academia I took a small business course through a local Community Futures program, though the small business of a dog food store became less appealing upon learning how many products I don't believe in I would be required to sell to make the business viable. Mortgages, unlike pet supplements, are regulated and held up to fairly strict standards, something I greatly appreciate.
This may belong better under community involvement but going forward I hope to find and join or start a group dedicated to supporting people who endeavor to become autodidactic polymaths
My interest in finance and mortgages is driven by two other interests: I love solving puzzles and trying to help people better their situation. There is no more major life improving puzzle to solze quite like turning renters into home owners.
On top of being fitting to my interests, through my time in university I've come to see investment, especially in property, as an almost moral demand. For every extra $100,000 a millionaire or billionaire earns they typically only manage to spend or invest 10-50% of that, but for every extra dollar someone in the $40-80k/yr range they find use for in some cases, more than 100% of that is primarily through qualifying for mortgages. The exchange of goods, the flow and speed of money in an economy, is the life blood of a nation, and I think humanity has a duty to the next generation to do better than the last. This is only accomplished through innovation brought about by a vibrant active exchange of goods and ideas. Mortgages are the bridge to connect the millionaire who may otherwise not invest in anything of their own, to the 40-80k people who by entering the real estate marketplace gain entrance to the number one creator of those millionaires in the first place. As a mortgage broker, I get to be a facilitator of the life blood of the economy, directing people to the economic ladders they'd otherwise be unaware of.
So maybe you're not sure you qualify for a mortgage, fill out the 15-minute application and lets see if I can help you move into the home ownership market. And when you do, you will be informed enough to explain why your mortgage was right for you, and will be looking forward to your next real estate investment.
While I may be new to brokering, I'm very fortunate to be working under two experienced brokers with more than 20 years of brokering under their belts. Any deal trusted to me is not merely in the hands of a fairly new broker but a team of brokers with decades of experience.
To learn more about Lennie and Aaron of the Rampone-Marsh Mortgages team please watch the video and check out their website @