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Ruby Cheung

Ruby Cheung

Mortgage Agent

CENTUM Pacific Mortgages Inc.

421 Pacific Street

Vancouver, BCV6Z 2P5
Direct: 604-685-5951 Cell: 604-720-6176 Personal Fax: 604-685-2807

Lowest Rates* in Canada

Home Ownership

My path to mortgages happened  when my principal residence was mortgage 

free and my two children being adults  allowed me to pursue a more

challenging  career. The mortgage industry and income properties is my passiion.

Since I value the importance of property ownership, I believer there is no better

way for, me to share this knowledge than to help people realize the satisfaction

in attaining  their home. Home ownership is usually the largest investment that

most individuals or families make  in their lifetime. Most would need to attain 

a mortgage to achieve this therefore having a professional to walk you through

the options, explain the differences,guide you through the daunting  financial 

process will ensure a smooth process. In the process, rapport and  trust is

developed with the client. Home ownership usually leads to upgrades or become

more sophisticated in terms of income properties to find positive cash flows.

Welcome to my Website

Finding a great mortgage can be stressful and time-consuming…But at CENTUM Canada, we've been successfully delivering the best rate for tens of thousands of satisfied clients for nearly a decade.

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.

At CENTUM, we're always looking out for your best interest.™


Personal Background

I was born and raised in Vancouver in a family of eight siblings. Graduatied rom Templeton        

High School and attended  the University of  BC completing courses in Arts. I am married

and  have two grown sons I enjoy playing the piano,  exercising,hiking, spin bike cycling,

reading, photography, cooking , good food and travel as an avid cruiser.



Professional Background

I have attained my Mortgage broker license from the UBC Sauder School of Business

I am a member of the Mortgage Professionals Canada.  I have invested many years

working in a pharmacy background dealing with the public and wanted a more rewarding

challenge and chose a career as a  Mortage Broker.