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.

The Bank of Canada has held its policy rate at 2.25%, with inflation still around 3% and economic uncertainty remaining ...
09/02/2026

The Bank of Canada has held its policy rate at 2.25%, with inflation still around 3% and economic uncertainty remaining high.

So what does that mean for you? Variable-rate mortgage holders won’t see a rate change from today’s decision, while buyers and homeowners can continue planning with the current rate environment in mind.

Rates didn't change today, but the Bank of Canada's outlook is worth paying attention to.The Bank held its overnight rat...
09/02/2026

Rates didn't change today, but the Bank of Canada's outlook is worth paying attention to.

The Bank held its overnight rate at 2.25%, which means the prime lending rate remains at 4.45% for most lenders.

Canada's economy is showing stronger signs of recovery, with improving employment, consumer spending and housing activity. At the same time, higher energy prices and new tariffs are creating renewed inflation concerns.

For borrowers, the message is less about today's rate and more about planning ahead. With only two Bank of Canada decisions remaining this year, understanding your options matters more than trying to predict the next move.

If you're buying, renewing or refinancing, let's look at what today's market means for you.

Every expert started exactly where everyone else does: with questions, uncertainty, and a willingness to learn.Buying or...
08/31/2026

Every expert started exactly where everyone else does: with questions, uncertainty, and a willingness to learn.

Buying or refinancing a home can feel overwhelming, especially if you've never done it before or if the market has changed since your last mortgage.

That's why you don't have to figure it out on your own.

My job is to guide you through the process, explain your options, and help you make confident decisions every step of the way.

If you've been waiting until you "know enough" before reaching out, this is your reminder that you don't have to have all the answers before starting the conversation.

Your home can be more than just a place to live. Over time, as you pay down your mortgage and your home’s value changes,...
08/29/2026

Your home can be more than just a place to live. Over time, as you pay down your mortgage and your home’s value changes, you may build significant equity.

That equity can become an important part of your overall financial picture, whether you’re thinking about your next home, renovations, consolidating debt, or other major financial goals.

The key is knowing what equity you have and understanding how it can fit into your bigger plan.

Many homeowners don't realize they can structure their financing to include both a traditional mortgage and a home equit...
08/28/2026

Many homeowners don't realize they can structure their financing to include both a traditional mortgage and a home equity line of credit.

This type of product can provide added flexibility, allowing you to access equity when you need it while still benefiting from the stability of a mortgage.

It can be useful for future renovations, emergency expenses, investment opportunities, or other planned borrowing.

Like any financial product, it's important to understand how it works and whether it's the right fit for your goals.

The best mortgage isn't just about today's needs, it's about preparing for tomorrow's opportunities.

Being your own boss comes with great perks, but getting a mortgage requires a different game plan.Lenders review self-em...
08/27/2026

Being your own boss comes with great perks, but getting a mortgage requires a different game plan.

Lenders review self-employed income differently than a standard T4 salary. Because tax write-offs often lower your reported net income, traditional pay stubs do not tell the full story. That is why complete documentation, like two years of Notices of Assessment, T1 Generals, and business account statements, is critical to proving your true qualifying power.

Having organized records and the right presentation strategy makes all the difference in securing an approval.

Many people assume their only mortgage options are the banks they see advertised every day.The reality is that mortgage ...
08/26/2026

Many people assume their only mortgage options are the banks they see advertised every day.

The reality is that mortgage agents work with a wide network of lenders, including many that don't deal directly with the public.

That means more products, more flexibility, and often more solutions for unique situations.

Whether you're self-employed, renewing your mortgage, purchasing a rental property, or rebuilding your credit, having access to more lenders means having more possibilities.

Sometimes the best mortgage isn't the one you already know about.

Hope isn't just about wishing things will work out. It's about taking steps that move you closer to where you want to be...
08/24/2026

Hope isn't just about wishing things will work out. It's about taking steps that move you closer to where you want to be.

If your goal is buying your first home, becoming debt-free, refinancing, or simply improving your financial future, every positive decision you make today builds momentum for tomorrow.

No matter where you're starting from, your next chapter begins with one conversation.

If you're ready to explore your options, I'm here to help.

Ready for a new chapter? Whether you're looking for more space, a better location, or simply a home that fits where life...
08/22/2026

Ready for a new chapter? Whether you're looking for more space, a better location, or simply a home that fits where life is taking you, your next move starts with a plan.

Know your budget, understand what you can comfortably afford, and be ready when the right home comes along.

Your next home could be closer than you think.

Having student loans doesn't automatically prevent you from getting approved for a mortgage.Lenders look at how those pa...
08/21/2026

Having student loans doesn't automatically prevent you from getting approved for a mortgage.

Lenders look at how those payments fit into your overall financial picture, including your income, other debts, credit history, and monthly obligations.

Many Canadians become homeowners while still paying off student loans.

If you're unsure how your student debt may affect your purchasing power, let's run the numbers together. You may be closer than you think.

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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