Christian is the founder and executive director of the Open Doors Mortgage team. He is fluent in both Tagalog (Filipino) and English. It’s a good life!
From our experience in this industry, we’ve seen home buyer’s try to jump straight into the decision-making process without all the tools and information they need. At the end of the day, buying a home is a big deal to you, and it’s a big deal to us. And we certainly don’t want any self-inflicting wounds to occur during the process! To gain every possible advantage, we work with our clients and la
y out a roadmap for your home purchase. We will assist you before, during and after each transaction and develop a long-term relationship. We’ll examine the right mortgage options and products that are appropriate with your current financial situation. Most people buy two to three homes in their lifetime… but this is something we do every day and we can assure you that working with us will be the most important step you’d make when buying a home. We hope you find this material useful in your home buying process.
03/18/2026
The Bank of Canada held rates today… but that doesn’t mean nothing is moving.
Here’s the part most people don’t realize 👇
• Variable rates follow the Bank of Canada
• Fixed rates follow bond markets
• And bond markets move every day
That’s why fixed rates can change — even when the Bank doesn’t.
🎥 I break it down simply in this video.
If you’re:
• Buying soon
• Renewing in the next year
• Or just trying to make sense of it all
This is worth understanding.
📩 If you want to talk through your situation, I’m always here.
financialliteracy mortgagerates
02/27/2026
So grateful for the amazing turnout and the electric vibes at our Realtor Kick Off. We are ready for everything this market has to throw at us.
Couldn’t have done it without our dream team of partners:
📍 Spagnuolo & Company
📍 First National Financial
📍 Lawrenson Walker Real Estate Appraisers
📍 Raj Singh Notary / RS Notary
📍 Vernice Violan Insurance & Investment Broker
📍 Westech Appraisals
📍 Onyx Steakhouse
02/16/2026
📢 BC Homeowners: It’s declaration time again!
A friendly reminder from the Open Doors Mortgage Team that the deadline for the Speculation and Vacancy Tax declaration is approaching fast.
Quick Info:
If you own residential property in BC's designated taxable regions, you must file an annual declaration—even if it’s your primary residence or the property is rented out. You have to file to claim your exemption and avoid being taxed.
How to File:
It usually takes less than 10 minutes to complete online.
1️⃣ Check your mail: Look for the yellow letter from the BC Government.
2️⃣ Find your codes: Locate your unique Letter ID and Declaration Code on the letter.
3️⃣ Go online: Visit the website listed in the letter (gov.bc.ca/spectax) and follow the prompts to declare your property status.
🗓️ Deadline: March 31, 2026
Don't delay! Get it done today to avoid unnecessary penalties.
🏡 Just a helpful heads-up from your trusted advisors at Open Doors Mortgage Team.
12/24/2025
Movie Morning: Client Appreciation Edition 🍿🎬
Last Saturday, we packed out Landmark Cinemas Guildford for a special client appreciation screening of Avatar: Fire & Ash—and you made it unforgettable. Huge thank-you to everyone who came out, grabbed snacks, and spent the morning with us. Your support means the world.
And an extra thank you to everyone who helped support the Surrey Food Bank—your generosity is what makes our community so strong. 💛🙏
Here’s the highlight reel 💙🌿👇
CommunityFirst ThankYou OpenDoorsMortgage SurreyBC GivingBack
12/23/2025
📉 Canada’s Economy Just Raised a Big Question for the Bank of Canada 🇨🇦
New data showed that real GDP fell 0.3% in October, the largest drop in almost three years — wiping out September’s gains and signaling softer economic momentum. 
⚖️ That weaker economic performance has strengthened the case for the Bank of Canada to stay on hold with interest rates instead of moving toward hikes that markets had been pricing for 2026. 
🏦 What this means for mortgages:
• Less likelihood of rate hikes in the near term.
• Mortgage strategies may need to adapt to a “hold and monitor” environment — with the next move more likely to be cautious and possibly lower, not higher. 
Economy soft, not in recession yet — but the slide puts policymakers in a tighter corner. 👀
⸻
If you want, I can tailor this for Instagram captions or LinkedIn too!
12/21/2025
Thanks everyone for your continued trust and support!
12/20/2025
2025 Client Appreciation Event Movie Movie Morning with Open Doos Mortgage Team showing Avatar: Fire and Ash
12/09/2025
🎉 SPECIAL VIDEO ANNOUNCEMENT! 🎉
We’re thrilled to share something special with you!
🎬 Movie Morning Client Appreciation Day!
The Open Doors Mortgage Team wants to say a huge THANK YOU for your trust and support, so we’re hosting a fun family movie morning just for YOU! 🏘️💚
📅 Saturday, December 20, 2025
⏰ Doors Open: 8:30 AM
📍 Landmark Cinemas Guildford
15051 101 Ave, Surrey, BC V3R 7Z1
Join us for a cozy, relaxing holiday movie morning — our way of giving back and celebrating our amazing clients this festive season. 🎄✨
Open Doors Mortgage Team would love to say THANK YOU for your trust and support by inviting you to our
Movie Morning Client Appreciation Day!
📅 Date: Saturday, December 20, 2025
⏰ Doors Open: 8:30 AM
🎥 Location: Landmark Cinemas Guildford
📍 Address: 15051 101 Ave, Surrey, BC V3R 7Z1
Join us for a fun and relaxing morning at the movies with you and your family. We truly appreciate you and want to celebrate with you this holiday season.
👉 To RSVP, simply DM us and we'll send you the link. SEATS ARE LIMITED!
We look forward to seeing you there!
Regards,
Open Doors Mortgage Team
11/22/2025
Joint Tenancy vs. Tenancy in Common — What’s the Difference? 🏡
When buying a property together, how you hold title matters just as much as the purchase itself.
Joint Tenancy
➡️ Equal ownership for all parties
➡️ Comes with right of survivorship — if one owner passes away, their share automatically transfers to the other owner(s)
Tenancy in Common
➡️ Ownership shares can be equal or different
➡️ No right of survivorship — each owner can will or transfer their share independently
Both options work — it just depends on your long-term goals, family planning, and how you want ownership handled in the future.
If you’re unsure which structure fits your situation best, feel free to reach out. My team and I can help you make the right call for your home and your future. 🟩🏠
11/21/2025
💡 Down Payment Verification Tip
When preparing for a mortgage application, make sure your down payment is fully documented and verifiable. Lenders need to see a clear paper trail for the last 90 days — including bank statements, transfers, and the source of funds.
✔️ Keep your accounts consistent
✔️ Avoid large unexplained deposits
✔️ Document gifts with proper gift letters
✔️ Track all savings and transfers
A well-prepared file speeds up approval and prevents last-minute delays. If you’re unsure what counts as acceptable proof, we’re here to guide you through it. 🏡✨
11/13/2025
Join a high-performing mortgage team known for service, integrity, and helping families open doors to home ownership. We’re looking for a skilled Mortgage Underwriter who thrives in a fast-paced environment and can confidently structure, review, and package files for optimal approvals.
• Ideal candidate is well-versed in mortgage guidelines, understands lender nuances, and can problem-solve creatively while maintaining accuracy and compliance.
• Must have a people-first mindset, strong communication skills, and a genuine passion for guiding clients through smooth mortgage experiences.
• Responsibilities include:
• Reviewing client documents with precision and speed
• Structuring deals to fit various lender policies (A, B, credit unions, monolines)
• Identifying risks and recommending clear solutions
• Communicating requirements to clients and team members
• Preparing complete, clean submissions to maximize approval success
• What we offer:
• A supportive, growth-driven environment
• Systems, templates, and training to help you excel
• A culture built on collaboration, high standards, and client care
• Perfect for someone who is detail-oriented, proactive, and excited to elevate their underwriting career with a reputable and fast-growing mortgage team.
Be the first to know and let us send you an email when Open Doors Mortgage Team posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.
As your mortgage experts, we work directly with Canada’s largest financial institutions including chartered banks, credit unions, trust companies and private lenders to secure our clients with the best mortgage rate with terms specific to their situation. By understanding your needs, we can save you possibly thousands of dollars in interest costs, potential penalties, extra legal fees, etc.
From our experience in this industry, we’ve seen home buyer’s try to jump straight into the decision-making process without all the tools and information they need. At the end of the day, buying a home is a big deal to you, and it’s a big deal to us. And we certainly don’t want any self-inflicting wounds to occur during the process!
To gain every possible advantage, we work with our clients and lay out a roadmap for your home purchase. We will assist you before, during and after each transaction and develop a long-term relationship. We’ll examine the right mortgage options and products that are appropriate with your current financial situation.
Most people buy two to three homes in their lifetime… but this is something we do every day and we can assure you that working with us will be the most important step you’d make when buying a home.
We hope you find this material useful in your home buying process.
It’s a good life!
