Mortgage Agent Erin

Mortgage Agent Erin Your Mortgage, My Mission. Let's Get Started! Hello. finance focused, easy going, nacho eating, pool playing, mortgage agent/broker in the GTA

My name is Erin, a FSRA Ontario licensed mortgage agent, level 2 with Dominion Lending Centers FC Funding #10671

Not everyone who is ready to buy a home will qualify at their bank, and that's okay.Being declined by a bank doesn't mea...
06/05/2026

Not everyone who is ready to buy a home will qualify at their bank, and that's okay.

Being declined by a bank doesn't mean homeownership is out of reach, and it certainly doesn't mean a private mortgage is your only option.

I work with over 145 lenders, including many that specialize in situations the major banks often struggle to fit into a standard approval box.

• Business for Self – no problem
• Bruised Credit – I got you
• Recently Divorced – that's alright
• OAS or Disability Income – let's explore your options
• New to Canada – welcome, there are solutions
• Commission-Based Income – absolutely
• Contract Workers & Gig Economy Professionals – no issue
• Multiple Income Sources – we can make that work
• Recently Changed Jobs – let's talk
• Rental Property Owners – I understand the numbers
• Debt Consolidation Needs – options exist
• Declined by Your Bank – don't stop there
• Purchased Through a Corporation – let's review it
• Seasonal Workers – there may be solutions available

Every situation is different, and sometimes the right lender simply isn't the one you've been banking with.

Before giving up on your homeownership goals, let's have a conversation.

Your Mortgage, My Mission. Let's Get Started!

Erin Clarke - Mortgage Agent Level 2
(416) 834-3303 [email protected]
DLC FC Funding 10671

Not all lenders are created equal. Here's a quick snapshot of the lender types and who they work well for. Knowing your...
05/29/2026

Not all lenders are created equal. Here's a quick snapshot of the lender types and who they work well for.

Knowing your options matter.

Erin Clarke
Mortgage Agent level 2
416-834-3303 [email protected]
DLC FC Funding 10671

It's Thursday. I need to duck out of today's Lender call early to hit the road and get to a lender lunch. Maybe I'll b...
05/28/2026

It's Thursday.
I need to duck out of today's Lender call early to hit the road and get to a lender lunch. Maybe I'll be doing this twice today :)
Today’s featured lender offers more than just standard mortgage solutions. Their product lineup includes bridge financing for clients buying before selling, renovation financing options, cash-back programs, flexible equity access solutions, and programs designed to help buyers maximize affordability.

A great fit for:
✔️ Move-up buyers
✔️ First-time homebuyers
✔️ Clients renovating after purchase
✔️ Homeowners looking to access equity without disrupting their current mortgage
✔️ Buyers needing flexibility around closing timelines

This is the kind of lender that helps create solutions when a file needs more than just a competitive rate.

Your Mortgage, My Mission. Let's Get Started!
Erin Clarke - Mortgage Agent level 2
(416) 834-3303 [email protected]
DLC FC Funding 10671

While I’m licensed to help clients anywhere in Ontario, Etobicoke is home.I love supporting the neighbours and the commu...
05/25/2026

While I’m licensed to help clients anywhere in Ontario, Etobicoke is home.

I love supporting the neighbours and the community I live in, while still helping families, homeowners, and investors across the province with their mortgage needs. Whether you’re purchasing your first home, refinancing, renewing, exploring a HELOC, or looking into a reverse mortgage, I’m here to help make the process simple and stress-free.

Your Mortgage, My Mission. Let’s Get Started!

Erin Clarke - Mortgage Agent Level 2
416-834-3303 [email protected]
DLC FC Funding 10671

Mortgage Protection Plan (MPP) coverage is technically not a Lender, but...Did you know that whenever I complete a mortg...
05/21/2026

Mortgage Protection Plan (MPP) coverage is technically not a Lender, but...

Did you know that whenever I complete a mortgage, I’m required to offer Mortgage Protection Plan (MPP) coverage?

It’s completely optional, but it’s there to help protect homeowners and their families if life takes an unexpected turn. Depending on the coverage selected, MPP can help cover mortgage payments during a disability or even pay off the mortgage balance in the event of death.

One thing many people don’t realize is that this coverage has absolutely been used by families who suddenly found themselves facing difficult circumstances.

Another important point is that coverage can begin 𝐚𝐬 𝐬𝐨𝐨𝐧 𝐚𝐬 𝐚 𝐟𝐮𝐥𝐥 𝐚𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧 𝐢𝐬 𝐜𝐨𝐦𝐩𝐥𝐞𝐭𝐞𝐝 (including the health questions and PAD information) 𝐞𝐯𝐞𝐧 𝐛𝐞𝐟𝐨𝐫𝐞 𝐜𝐥𝐨𝐬𝐢𝐧𝐠, and the first month of coverage is free. Clients can also choose to speak directly with a licensed representative to better understand the coverage and ask questions before deciding if it’s right for them. There’s no penalty for cancelling.

My job is always to make sure clients understand all of their options so they can make informed decisions that work best for their situation, budget, and comfort level.

Homeownership is one of the biggest financial commitments most people will ever make, and protecting it is worth a conversation.

Your Mortgage, My Mission. Let's Get Started!
Erin Clarke - Mortgage Agent Level 2
(416) 834-3303 [email protected]
DLC FC Funding 10671

One of the biggest misconceptions in mortgages?The lowest rate always means the best mortgage.What many borrowers don’t ...
05/19/2026

One of the biggest misconceptions in mortgages?

The lowest rate always means the best mortgage.

What many borrowers don’t realize is that mortgage penalties can vary dramatically between lenders, sometimes by thousands (or even tens of thousands) of dollars.

If life changes and you need to:
• sell early
• refinance
• relocate
• separate
• or access equity

your penalty calculation matters.

That’s why I always encourage clients to look beyond just the interest rate and understand the full mortgage product before signing.

A mortgage should fit both your current goals and your future flexibility.

Your Mortgage, My Mission. Let's Get Started!
Erin Clarke - Mortgage Agent Level 2
(416) 834-3303 [email protected]
DLC FC Funding 10671

Buying a home (or refinancing) isn’t just about getting a rate. It’s about finding the right fit for your life.As a mor...
05/05/2026

Buying a home (or refinancing) isn’t just about getting a rate. It’s about finding the right fit for your life.

As a mortgage agent, I work with multiple lenders to match you with a mortgage that aligns with your goals, your plans, and even the unexpected changes life can bring. Because your mortgage should work for you, not box you in.

Whether you’re just starting to explore or ready to make a move, I’m here to guide you through it.

Your Mortgage, My Mission. Let’s Get Started!

Erin Clarke - Mortgage Agent Level 2
416-834-3303 [email protected]
DLC FC Funding 10671

05/01/2026

Hi everyone,

On April 29th, the Bank of Canada announced that it is holding the policy interest rate at 2.25%, with the Bank Rate at 2.50%.

𝐓𝐡𝐚𝐭 𝐦𝐞𝐚𝐧𝐬 𝐦𝐨𝐬𝐭 𝐦𝐚𝐣𝐨𝐫 𝐥𝐞𝐧𝐝𝐞𝐫𝐬 𝐰𝐢𝐥𝐥 𝐤𝐞𝐞𝐩 𝐭𝐡𝐞𝐢𝐫 𝐏𝐫𝐢𝐦𝐞 𝐑𝐚𝐭𝐞 𝐚𝐭 𝟒.𝟒𝟓% (typically Prime = Policy Rate + 2.20%).

𝐀 𝐪𝐮𝐢𝐜𝐤 𝐛𝐫𝐞𝐚𝐤𝐝𝐨𝐰𝐧:

Policy Rate – This is the rate set by the Bank of Canada. It influences borrowing costs across the country and directly impacts variable-rate mortgages, lines of credit, and other lending products.

Prime Rate – This is the rate your bank uses as a base for lending products like variable mortgages, HELOCs, and lines of credit. When the Bank of Canada changes its policy rate, Prime usually follows.

𝐖𝐡𝐨 𝐝𝐨𝐞𝐬 𝐭𝐡𝐢𝐬 𝐚𝐟𝐟𝐞𝐜𝐭? There was no change, if there were a change.

Primarily:

* Anyone with a variable-rate mortgage
* Anyone with a line of credit or HELOC
* Homeowners considering a refinance
* Buyers trying to decide if now is the right time to purchase
* Homeowners coming up for renewal

If you’re in a fixed mortgage, your payment doesn’t change today, but your renewal strategy still matters.

𝐌𝐲 𝐡𝐨𝐧𝐞𝐬𝐭 𝐭𝐚𝐤𝐞?

It is still a good time to buy.

Trying to perfectly time the market usually costs more than it saves. If the numbers work, the right home is available, and the plan makes sense for your life. Waiting for “the perfect rate” often means missing opportunity.

For refinancing, if your current mortgage rate is sitting above 5.25%–5.50%, it may be worth reviewing your options, especially if you also have higher-interest debt like credit cards, unsecured loans, or a second mortgage.

Sometimes refinancing isn’t just about lowering rate, it’s about improving monthly cash flow and creating a better long-term plan.

Rates are only one part of the conversation.

If you’d like to review your mortgage, renewal options, refinance strategy, or buying plans, I’m always happy to run the numbers with you.

Your Mortgage, My Mission. Let's Get Started!

Erin Clarke - Mortgage Agent Level 2
416-834-3303 [email protected]
DLC FC Funding 10671

11/07/2025

But what does mortgage agent or broker do?

Think of us as your personal shopper for mortgage. We do the legwork - comparing rates, terms, and options from dozens of lenders to find what fits you. We help you understand the fine print, handle the paperwork, and guide you from pre-approval to closing. Whether you’re buying your first home or refinancing, our job is to save you time, stress, and often, money.

10/29/2025

Bank of Canada rate announcement. Prime rate will change from 4.70% to 4.45% and benefits variable rate mortgages, HELOC's and lines of credit.
If you'd like a mortgage review, give me a call.

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Toronto, ON

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Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 10am - 3pm
Sunday 10am - 3pm

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