Ethel M. Lariviere, MBI
Mortgage Broker
Licensed Commercial and Residential Mortgage Broker with Dominion Lending Centres - A Better Way
Services

Buying or Building a New Home

Whether you’re looking to purchase your very first home, upgrade to a new home, renew your existing mortgage, refinance your mortgage to free up some equity, purchase investment properties or vacation homes, build a home or commercial property or lease business-related equipment, Ethel is here to guide you through the process. Dominion Lending Centres has a variety of products and services to meet your needs.

Dominion Lending Centres shops over 90 different banks, credit unions, and trust companies to meet your financing needs. Ethel will search hundreds of lending products to find the best possible mortgage or leasing solution tailored to you.Ethel works for you - not the lenders- to ensure you receive the best rates and products available in today’s marketplace. Best of all – it no cost to you…

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Mortgage Consultation

Ethel provides for residential clients a no charge consultation to advise a client the pre-authorized mortgage amount based on their current disclosed financial situation. The mortgage application process can be stressful and she offers pre-authorizations to proposed clients to ensure that when the client submits an offer on the home of their dreams that they will be confident that they qualify for the financing prior to submitting the offer.

Ethel also provides with pre-authorizations the estimated fees and closing costs to ensure that the client does not have buyer’s remorse due to unknown or unforeseen costs during the home buying process.

If a client is just starting the home buying journey or has hit a financial road bump and recovering and requires consultation on what is required to get to where they need to be, Ethel is happy to assist. Ethel will provide a financial snapshot of where the client is currently in the home buying process and what is required in the next steps to get to where they want to be…

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Renewing or Refinancing

If you’re looking to access some of the equity in your home or you have a mortgage that is up for renewal in the next six Canadians face many reasons today to Refinance their Mortgage. For example, you may have been working at improving your credit score and now qualify for a new mortgage with a better discount, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed-rate.

Refinancing is also a good option to pull out equity for consolidating debt, home improvements, investments, college expenses, and more.While most Canadians spend a lot of time, and expend a lot of effort, in shopping for an initial mortgage, the same is generally not the case when looking at mortgage term renewals.

Generally, it is a good idea to start shopping for a new term between four and six months before your current mortgage term expires. Your mortgage is one of your biggest expenses. For this reason, it is imperative to find the best interest rates and mortgage terms you possibly can. By shopping around at renewal time, you can save substantial amounts of money over the life of your mortgage loan. Do not be one of the 60% who just simply sign their renewal letter and send it back.Use the profession mortgage services Ethel provides to ensure the lenders compete for your business… you have options. Often a quick phone call can result in huge savings.

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Lenders

Ethel has developed relationships with lenders across the country with access to over 90 different banks, credit unions and trust companies. Dominion Lending Centres – A Better Way is a top mortgage brokerage franchise with over 80 licensed mortgage brokers on the team serving Alberta, British Columbia and Ontario. Dominion Lending Centres is Canada’s national mortgage broker provider with independently owned and operated offices across Canada.

Apply now to access the best products and rate tailored to you.

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Application Process:

1. Story (15 to 30 mins)

Tell me about your current finances and situation plus needs during the first meeting or phone call (virtual zoom meetings are available as well as phone call – always client’s choice on type of meeting preferred). This will help me determine end goal to structure the product to your specific needs.

2. Document Collection and Online Application (Client)

Online Application and Documents requested dependent on application request. The faster the online application and documents are received/submitted to me the faster I can get an approval.

3. Mortgage Application Review & Submitted (1 Business Day)

This is where I work my magic. I review the mortgage application and documentation to structure your deal to your specific requested needs. I will call to review with you prior to submitting to lender for approval to ensure that you are satisfied with the application as submitted.

4. Lender Review (2 to 7 Business Days)

The mortgage application and documents has been submitted to the lender for approval.  The lender then reviews the file/application and provides approval based on information provided.

5. Mortgage Approval Package (1 Hour)

Once I receive your mortgage approval package form the lender, I will call you to arrange an appointment to review.  If you have any questions, we can discuss to ensure that you understand all the mortgage terms and conditions and are comfortable with the lender requirements and understand them fully.

If the lender has come back during the Lender Review with additional requirements, I will request more documents from you at this time and explain to you why.

6. Funding (Closing Day)

Once ALL the lender requirements have been met, the lender will send a letter of instruction to the solicitor or your choice.

Your lawyer or notary will contact you to arrange an appointment date for you to come in and sign legal/mortgage documents.

Mortgage proceed funds will be provided on the Closing Date of the mortgage once all documentation has been signed and satisfactory Solicitor Letter of Opinion sent to lender.

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About
"dedicated in assisting clients in making responsible informed decisions"

Ethel M. Lariviere, MBI is an Independently Owned & Operated Licensed Commercial and Residential Mortgage Broker with Dominion Lending Centres - A Better Way.

As a Licensed Mortgage Broker Ethel is dedicated in assisting clients in making responsible informed decisions by providing unbiased guidance and expert industry and market knowledge. She has over 19 years of combined commercial, retail banking, and residential mortgage lending experience...

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Testimonials
Even with all the obstacles I faced with financing, she made this mortgage happen. She worked with me for over two years to make this happen. She was both patient and informative as my mortgage was anything but straight forward. First providing me with credit consultation to assist in increasing my credit score and mortgage consultation, where I was financially and what I needed to do to get where I wanted to be to fulfill my mortgage needs. When I was finally ready, not only did working with her save me time searching for the best mortgage, but the whole process was effortless. Everything was explained to me including all the options available and she found the best mortgage out there in the current market that met my needs... all I had to do was go into the bank and sign the paperwork.

Ethel did not receive a commission or any compensation for any of her work in providing my mortgage as the lender she found that provided the best rate for my needs did not deal with mortgage brokers. Upon discussion with me and with my consent she talked to her connections with that lender and my mortgage application was sent to that lender and approved, including a credit card and a line of credit as well. All she asked in return is for referrals.

I would highly recommend her. You can be confident in getting the best in the industry knowledge, and she will always go to the lender that provides the best rate for the product that fits your needs. She will put you first!

Mr. Darcy L. Hamilton
Mortgage Client
Ethel has been providing personal mortgage advice to me including my real estate clients for many years. As a realtor, I encounter mortgage professionals daily. Naturally, everyone is trying to team up with me to get your referrals, but my loyalty lies with Ethel. Not only do I suggest her to my clients, but she actually helped me with my personal mortgage, and to purchase my first investment property which, as I’m sure some of you can relate, is a nerve-racking but rewarding experience.

Ethel is always extremely professional and explains the process and documentation thoroughly to each of her clients. She is honest, passionate, hard working and highly experienced in commercial and residential mortgages and products. Her priority is keeping clients happy and stress free. I have personally witnessed her making and taking late night calls to ensure clients do not miss deadlines.

She is relationship service oriented with a get it done attitude, and not only meets but often exceeds tight timelines facilitating a worry-free experience. Even when challenging situations arise, she was patient, working hard to solve the problem right away. She always prioritizes the interests and needs of the clients first.

The best part about working with Ethel is that she is always focused on helping me with my challenges and giving me valuable knowledgeable advice. Ethel is a well-respected industry leader and demonstrates this when providing valuable knowledge from her long background in financial services. Ethel is a very experienced broker whose recommendations and advice I choose to follow. You will not be making a mistake if you do the same.

Rochelle Chua
Real Estate Agent - Royal Pacific Realty Co
My Mortgage Toolbox
My Mortgage Toolbox Mobile App

Features

  • Calculate your total cost of owning a home
  • Estimate the minimum down payment you need
  • Calculate Land transfer taxes and the available rebates
  • Calculate the maximum loan you can borrow
  • Stress test your mortgage
  • Estimate your closing costs
  • Compare your options side by side
  • Search for the best mortgage rates
  • Email summary reports (PDF)
  • Use my app in English, French, Spanish, Hindi and Chinese