Shirl Funk Mortgages Ltd

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Shirl Funk Mortgages Ltd Mortgage Broker And Owner of Shirl Funk Mortgages Ltd My Name is Shirl Funk. In 2009 I began my career in the mortgage industry.

I started my financial career on September 11,2001 with Franklin Templeton Investments. 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.

Many mortgages include prepayment privileges that let you pay extra without a penalty, such as lump-sum payments up to a...
10/17/2026

Many mortgages include prepayment privileges that let you pay extra without a penalty, such as lump-sum payments up to a yearly limit or increasing your regular payment amount. Even small extra payments can shorten the amortization and save a meaningful amount of interest. Limits vary by lender, and going over them can trigger a penalty, so it pays to know exactly what your mortgage allows.

Fast AND stress-free. Those are two words I love seeing together in a mortgage review. ❤️There are times when a mortgage...
10/16/2026

Fast AND stress-free. Those are two words I love seeing together in a mortgage review. ❤️

There are times when a mortgage needs to come together quickly, but I never want that urgency to leave my clients feeling like they have no idea what’s happening.

My job is to do the searching, problem-solving and coordinating behind the scenes while keeping you informed along the way.

Thank you, Collin, for trusting me to get it done. And yes, getting a great rate certainly doesn't hurt either!

Mortgage qualification isn’t based only on what your finances look like the day you apply.A new car payment, higher cred...
10/14/2026

Mortgage qualification isn’t based only on what your finances look like the day you apply.

A new car payment, higher credit card balances, a job change or additional monthly obligations can all change the numbers a lender sees and, ultimately, how much home you can comfortably qualify for.

That’s why planning ahead can be so valuable.

If buying a home is somewhere on your horizon, even if it’s months away, talk to me before making any major financial changes. We can look at the numbers early and make sure today’s decisions aren’t unintentionally working against tomorrow’s plans.

Happy Thanksgiving! Wishing you a cozy weekend with the people who make every place feel like home.
10/12/2026

Happy Thanksgiving! Wishing you a cozy weekend with the people who make every place feel like home.

Thanksgiving is a wonderful reminder to slow down for a moment and appreciate what we already have.The people who suppor...
10/12/2026

Thanksgiving is a wonderful reminder to slow down for a moment and appreciate what we already have.

The people who support us. The places that feel like home. The opportunities we’ve been given. And even the challenges that have helped us grow along the way.

I’m especially thankful for the clients, families and professionals who continue to put their trust in me. I never take that for granted.

Wishing you and the people you love a very Happy Thanksgiving. 🍂❤️

New build or resale? The difference goes well beyond finishes and floor plans. With a new build, you often pay deposits ...
10/10/2026

New build or resale? The difference goes well beyond finishes and floor plans. With a new build, you often pay deposits in stages, closing can be months or even years away, and upgrades and builder closing costs can add up. Your mortgage is generally finalized closer to closing, so your income and credit still matter long after you sign. With a resale home, the timeline is usually shorter, but setting money aside for updates or repairs can matter just as much as the purchase price.

If buying a home is on your radar, you don’t necessarily have to wait until you find the house to start talking about yo...
10/09/2026

If buying a home is on your radar, you don’t necessarily have to wait until you find the house to start talking about your mortgage.

Depending on the lender and product, we may be able to hold a rate for up to 120 days while you shop.

That can give you some protection if rates increase during your search and, just as importantly, gives us an opportunity to review your finances and identify potential issues before there’s an accepted offer and a deadline attached.

A pre-approval is about more than a rate. It’s about being prepared when the right home comes along.

Your amortization is the total time it takes to pay off your mortgage, and it's not the same as your term. A longer amor...
10/08/2026

Your amortization is the total time it takes to pay off your mortgage, and it's not the same as your term. A longer amortization generally lowers your regular payment but means you pay more interest over the life of the mortgage. At the same time, a shorter one raises the payment and reduces total interest. The longest amortization available to you generally depends on your down payment, whether your mortgage is insured and your lender. Extra prepayments, where your mortgage allows them, can shorten it over time.

If I were helping someone in my own family choose a mortgage, I wouldn’t tell them to simply take the lowest rate.I’d wa...
10/07/2026

If I were helping someone in my own family choose a mortgage, I wouldn’t tell them to simply take the lowest rate.

I’d want to know their plans. How long do they expect to stay in the home? Could they move before the term is up? Do they want the ability to make extra payments? How important is payment stability? What happens if life changes?

Because a great rate attached to the wrong mortgage can become expensive very quickly.

That’s the same approach I take with my clients. I want you to understand what you’re agreeing to, why I’m recommending it and how it fits into the bigger picture.

The goal isn’t just to get you a mortgage. It’s to help you make a decision you’ll still feel good about years from now.

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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