Meet Marie Copeland
Here to work for you not the big banks. Getting you bank or alternative financing for home purchase or refinancing a home mortgage is more than a job. It's a passion to help families and small business owners realize their real estate financing dreams.
About Mortgage broker in Hamilton with Amazing clients Ontario wide
Meet Marie: mortgage broker Hamilton ON. here to work for you not the big banks
Canadian Mortgage Broker To Get Homeowners of Canada help
Let me tell you a little about a Canadian mortgage broker, me. I understand the challenges you face because I’ve been in your shoes. Just like many of you, I’m a devoted mother, doting grandmother, and a loyal friend. I immigrated to Canada and settled in Hamilton, Ontario, when I was a young teen. I was born in Poland and English is my second language.
When my parents first came to Canada, they were already in their late 40’s and nervous about making a new life here. They didn’t have much education, no jobs lined up, and two young kids to take care of without speaking any English. But they were brave and worked hard to make it all work out for us.
Both my parents were in their late 40's. We arrived to Canada after an 11 day transatlantic journey on a ship named Batory, with only $25 each in our pocket and a suitcase. They bought their first and only home in Canada with private hard money loans in Hamilton, bearing a 30% interest rate. I still have the mortgage document -- it took almost the rest of their lives to pay off their humble home.
My parents always did their best, working tirelessly. It’s bittersweet to see the mortgage papers for their first home in Canada, knowing they didn’t have any home mortgage help. In hindsight, their private mortgage in Hamilton should have been a temporary fix, maybe for 5 years, while they sorted out their jobs and credit. Now, I understand so much more about private loan lenders in Ontario and how to use these tools to help people and improve their lives.
When comparing bank mortgages vs private mortgage loans, it’s clear that private mortgages should be a short-term fix. Getting a second mortgage with low interest only payments for a brief period can save you hundreds of dollars each month, if structured correctly. This helps improve your family’s finances and credit score. The best mortgage brokers know how to use these options to help you rebuild financially.
Unfortunately, my parents didn’t get that home mortgage help. They continued to make their payments faithfully, hoping to secure a brighter future for me and my brother here in Canada. Their command of the English language remained limited and the bank didn’t provide them with the information they needed to improve their situation.
Looking back, I’m sure they could have switched to alternative mortgage financing and then to a prime bank loan within those first 5 years. I wish I could go back in time. With my knowledge now, I could have made a huge difference how their financial journey worked out.
This shows the value of having a dedicated and best mortgage broker in Hamilton serving Ontario, can help good people reach their financial dreams.
My mortgage broker credentials to serve your needs
Marie Copeland began as a Mortgage Agent in 1995 and then earned a Mortgage Broker License in 2000 after attaining the Financial Services Underwriting Post Diploma (FSU).
Financial Services Underwriting (FSU) is a comprehensive 5-year mortgage broker education recognized by the Ontario Ministry of Finance covering mortgage financing subjects such as:
- Mortgages and Capital Markets
- Mortgage Financing
- Mortgage Financing Law
- Mortgage Broker Legislation
- Real Estate Law
- Real Property Assessment
- Contracts Law
- Mortgage Administration
- Intro to Canadian Securities
- Debtor/Creditor Remedies
- Operating a Mortgage Brokering Business
- Professional Responsibility
The Financial Services Regulatory Authority of Ontario licenses mortgage brokers, agents, brokerages and administrators in Ontario. Licensed mortgage professionals have to meet specific education, experience and suitability requirements.
about mortgage broker qualifications - who's who? About Marie Professionally
About Mortgage Broker Level 2, Marie Copeland (Hryczynski), a Hamilton mortgage broker, Financial Services Underwriter (FSU) and founder/owner of Axcess Mortgage and Loans Financing Co. Ltd., passionate about providing you with outstanding mortgage help.
There are different levels of mortgage licensing qualifications, here is a quick overview:
- Financial Services Underwriter, FSU / Mortgage Broker Level 2, is a highest qualification in Ontario. This professional specializes in helping people secure mortgages; residential, commercial and private lending. They have completed an advanced five-year educational program in Ontario’s mortgage industry. Upon completion, graduates are qualified to manage their own mortgage brokerage firm and oversee the work of other brokers and agents. To maintain their Principal Broker status and operate their own brokerage, the licensee must attend several day retraining course each year, and pass a mortgage broker exam;
- Mortgage Broker Level 2, is a person who’s been learning the ropes of the mortgage industry for a couple of years, working closely with a seasoned Broker. They’ve also hit the books to sharpen their skills every year and passed a re-licensing exam each year. After gaining this experience and knowledge, they’re ready to own their own mortgage company, teaming up with other Brokers and guiding Agents along the way. They can arrange residential bank, private mortgage and commercial loans. It’s a bit like graduating to the next level in a game, where you get to lead and help others on their journey too!
- Mortgage Agent is an apprentice who has completed a basic mortgage broker course. This allows them to help arrange bank type mortgages only, but they do it with the guidance and under the supervision of an experienced Mortgage Broker, Level 2.
what is a Financial Services Underwriting Post-Diploma?
It is a 5-year mortgage broker education and over 25-year experience is the difference. The higher the qualifications and expertise - the more profitable mortgage financing strategies you can expect.
Think of it like this: the more you know, the better choices you can make, especially when it comes to finding ways to save money on your mortgage.
It’s smart to learn about the mortgage broker education and experience of the consultants you are working with. This way, you can find someone who really knows their stuff and can help you find the best options for your own needs.
I’ve been working with mortgages for 25 years, and I will use all that knowledge to help you. I’ll look at your situation and figure out the mortgage plans that suit you perfectly.
With my background in financial services and years of helping people borrow money, I can quickly understand what you need and connect you with great loan options from my network of banks and lenders.
I have successfully helped hundreds of people get mortgages, even when their banks said no. So, let’s work together and find the right mortgage for you!
Why use a mortgage broker?
No matter whether you're buying a new residential home, a
swanky condo or a rental property, this is one of the biggest investments you may make. A mortgage broker works for you, saving you time and money.
Many call themselves mortgage brokers but they are NOT -- ONLY FEW are properly
qualified to give you that financial edge.
Why use a mortgage broker vs bank? Follow this link and see why you should rely on an a good independent mortgage professional for advice.
one-stop shopping for all your mortgage needs
About Mortgage Broker Company
Axcess Mortgage and Loans Financing Co. Ltd. is an independently owned company established in June 2000. We are Hamilton mortgage brokers also arranging Burlington mortgages and throughout Ontario Canada.
We specialize in helping people save money and time while assisting them to build their home ownership and real estate investment dreams.
Developing first class mortgage strategies combined with excellent service is my commitment to clients and as such, I have a client base with repeat community referrals.
I care about providing excellent and expert service to you, your family, friends and our community.
Thank you for visiting my About Mortgage Broker page -- I hope to see you again soon.
Marie Copeland (Hryczynski) Financial Services Underwriter (FSU), Mortgage Broker Level 2 | FSRA No M08002528
Axcess Mortgage and Loans Financing Co. Ltd. FSRA No. 10420
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*Lenders change their products and interest rates regularly and without notice. Always check for lender updates.
Banks and AAA lenders pay us for your service. Some alternative mortgage financing and all private mortgage broker fees are payable by clients.