Shirl Funk Mortgages

Shirl Funk Mortgages Mortgage Broker And Owner of Shirl Funk Mortgages. My Name is Shirl Funk. I started my financial career on September 11,2001 with Franklin Templeton Investments.

In 2009 I began my career in the mortgage industry. I worked for two mortgage brokerages over the first few years before making the move to Dominion Lending Centres where I stayed for a period of five years building great contacts and wonderful friendships.

One of the biggest mortgage mistakes I see isn’t choosing the “wrong” rate.It’s assuming you only have one option.Too ma...
06/03/2026

One of the biggest mortgage mistakes I see isn’t choosing the “wrong” rate.

It’s assuming you only have one option.

Too many people renew without reviewing, stay with a lender out of convenience, or don’t realize there may be better solutions available for their situation.

Sometimes a small change in strategy can mean:
• Lower monthly payments
• Access to equity
• More flexibility
• Better long-term financial stability

Your mortgage should support your life, not limit it.

Before signing anything, it’s worth having a conversation and understanding what’s actually available to you.

📞 204-371-9224

There’s something powerful about knowing who you are, what matters to you, and building a life that reflects it.For some...
06/01/2026

There’s something powerful about knowing who you are, what matters to you, and building a life that reflects it.

For some people, that means buying their first home. For others, it means simplifying life, becoming debt-free, helping family, or finally making a fresh start financially.

Success doesn’t have to look the same for everyone.

The important thing is building a future that feels right for you.

Fixed-rate mortgages offer stability. Variable-rate mortgages offer movement. The right choice depends on your goals, co...
05/30/2026

Fixed-rate mortgages offer stability. Variable-rate mortgages offer movement. The right choice depends on your goals, comfort level, and how long you plan to stay in your mortgage.

Helping first-time buyers navigate the process is something I take seriously.There are a lot of moving parts, a lot of q...
05/29/2026

Helping first-time buyers navigate the process is something I take seriously.

There are a lot of moving parts, a lot of questions, and often a lot of uncertainty at the start.

My role is to make sure you feel supported, informed, and confident every step of the way, not just approved.

If you’re going through the process and feeling unsure, you’re not alone. That’s exactly where I come in.

Comfort upgraded. Whether it’s more space, better features, or a place that finally feels like home, the right mortgage ...
05/27/2026

Comfort upgraded. Whether it’s more space, better features, or a place that finally feels like home, the right mortgage can help make it happen.

More families are choosing to live together, and it’s changing how homes are being financed.Whether it’s helping childre...
05/27/2026

More families are choosing to live together, and it’s changing how homes are being financed.

Whether it’s helping children get into the market, supporting aging parents, or combining incomes to afford more space, multi-generational living can be a smart financial move.

But it needs to be structured correctly.

From qualifying with multiple incomes to ownership setup and long-term planning, there are a few important pieces to get right.

If this is something your family is considering, let’s talk through how to make it work.

📩 [email protected]
📞 204-371-9224
🌐 www.shirlfunk.ca



Opportunities don’t always show up perfectly packaged.Sometimes they look like a conversation you’ve been meaning to hav...
05/25/2026

Opportunities don’t always show up perfectly packaged.

Sometimes they look like a conversation you’ve been meaning to have… or a decision you’ve been hesitant to make.

When it comes to your mortgage and your finances, the best outcomes often come from taking action. Not waiting for the “perfect” moment.

If something has been on your mind lately, it might be worth exploring.

The mortgage stress test is a standard part of the approval process used by most lenders across Canada.It requires you t...
05/23/2026

The mortgage stress test is a standard part of the approval process used by most lenders across Canada.

It requires you to qualify at a higher rate than your actual mortgage rate, so you can still afford your payments if interest rates rise. This helps lenders assess long-term affordability, not just your current monthly payment.

It matters because it can impact how much you qualify for and what price range you can comfortably shop in, which is especially important when planning a purchase, renewal, or refinance.

Understanding it ahead of time can help you avoid surprises and set realistic expectations for your mortgage options.

Property taxes are one of those expenses that can catch homeowners off guard.Not all lenders collect them with your mort...
05/22/2026

Property taxes are one of those expenses that can catch homeowners off guard.

Not all lenders collect them with your mortgage payment anymore, which means you may need to plan for them separately.

Automating your own savings (whether monthly or biweekly) can help avoid that lump-sum surprise when taxes are due.

It’s a simple strategy, but one that can make homeownership feel a lot more manageable.

Being self-employed doesn’t mean you can’t qualify, it just means the approach is different.Traditional income documents...
05/20/2026

Being self-employed doesn’t mean you can’t qualify, it just means the approach is different.

Traditional income documents don’t always tell the full story, which is why lenders look at things like business financials, income trends, and overall stability.

The right lender and the right structure can make a big difference here.

I work with many self-employed clients, and the key is knowing how to position your file properly from the start.

If you’ve been told it’s “more difficult,” that’s not always the full picture.

📩 [email protected]
📞 204-371-9224
🌐 www.shirlfunk.ca

Address

630 St Mary’s Road
Winnipeg, MB
R2M3L9

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 4pm

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