What I do
Stress-free home financing
Hi, I’m Erika Makauskas, your guide on this exciting journey to homeownership.
With personalized mortgage solutions, we’ll work together to navigate the complexities of financing, uncover the best options for your needs, and make your dream of owning a home a reality. I’m here to handle the details so you can focus on what truly matters–embracing this exciting chapter of your life.
📍 Serving Penticton and clients across British Columbia, from Vancouver Island to the Kootenays.
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What folks are saying about Erika
Highly Recommend
Erika’s professionalism, expertise and knowledge was a paramount factor in the purchase of my first home. I’d highly recommend and will be using her services again in the future.
Robert S.
Best Mortgage Experience
What an incredible experience. This was my third home purchase and by far my best mortgage experience. Erika was courteous and professional, diligent and expedient, knowledgeable and honest. She went above and beyond to ensure that I was fully prepared during my pre-approval phase, she took time to educate me on relevant market data and mortgage considerations.
Jennine T.
Excellent and Trustworthy
Erika was approachable, clear and completely reliable; often going the extra “mile” for us. We found her advice to be excellent and trustworthy and could not rate her more highly.
Darren H.
Services
Tailored Solutions for Every Stage of Homeownership.
Mortgage Pre-Approval
A key step in the home-buying process, pre-approval estimates your borrowing limit, helping you shop confidently and show sellers you’re a serious buyer.
Home Purchases
Every homebuyer’s journey is unique, and there’s no one-size-fits-all solution. As your mortgage broker, I’ll guide you through the financing process, offering personalized support and leveraging my expertise to find the right mortgage for your needs.
Mortgage Refinancing
Optimize your mortgage to fit your financial goals, whether it’s lowing your rate or accessing equity.
Mortgage Renewals
Ensure you’re getting the best terms and rates when it’s time to renew your mortgage.
APPLY NOW
Looking to Purchase Your Dream Home, Refinance, or Renew Your Mortgage?
Consultation
Ready to Start Your Home Financing Journey?
Schedule a free consultation.
FAQs
Why should I use a mortgage broker instead of going directly to a bank?
Mortgage brokers work with various lenders and can offer you a broader range of lending options. We simplify the process, comparing rates, terms and programs from different institutions to find the best fit for your unique needs.
What are the advantages of using a mortgage broker when buying a home in British Columbia?
Our expertise can save you time and money. We navigate the complexities of the lending landscape, provide personalized advice, and handle negotiations on your behalf.
How do mortgage brokers get paid, and will it cost me to use your services?
Our services are typically free for the borrower. We are compensated by the lender.
What information do I need to provide when working with a mortgage broker?
We’ll need details about your income, employment, credit history, and the property you’re interested in. Gathering this information upfront helps us tailor our advice to your specific situation.
How is my mortgage interest rate determined?
Your mortgage interest rate is influenced by factors such as your credit score, the size of your down payment, and the current market conditions.
How do I start the mortgage process?
It’s always recommended to get pre-approved. It provides a clear understanding of your budget, helps in negotiations, and shows sellers you’re a serious buyer.
Are there programs for first-time homebuyers?
Yes, programs like the First-Time Home Buyers and the Home Buyers’ Plan (HBP) can assist eligible individuals. We can guide you through the different programs and incentives available.
How does your Underwriting Center streamline the mortgage process?
From the initiation to completion of your mortgage application, our dedicated team manages every detail, ensuring a seamless and efficient journey. This approach allows us to focus on building relationships with our clients and referral sources while the team handles the complexities behind the scenes.
my mortgage app
Take the guesswork out with my FREE mortgage app!
Designed to be your all-in-one toolkit, it provides everything you need to confidently estimate the costs associated with buying a home. With just a few taps, you can:
Calculate detailed purchase scenarios.
Understand the full cost of buying a home with tailored purchase calculations. From mortgage payments to property taxes, this tool provides a clear breakdown of expenses, helping you determine exactly how much you can comfortably afford.
Calculate your mortgage obligations.
Plan your payments with ease. This feature calculates your monthly or bi-weekly mortgage obligations based on different rates, terms, and amortization periods. Explore various scenarios to identify the best option for your financial goals.
Calculate closing costs.
Prepare for the complete picture. The app calculates potential closing costs, including land transfer taxes, legal fees, and inspection expenses, so there are no surprises when it comes to finalizing your purchase.
Plus much more.
My Mortgage App is iOS and Android compatible!
contact me
Let’s Make Your Mortgage Goals Happen.
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