Guiding you home.
Whether you're buying, renewing, or refinancing, I'll take the time to understand your goals, explain your options clearly, and help you choose the right path forward.
What do you need help with?
Popular Searches
Prefer to talk it through? Let's talk.
Where to Begin
If you don't have a specific mortgage problem yet, this is the easiest place to begin.
Understand what lenders will look at, how much you may be able to borrow, what you’ll need for a down payment, and what happens between pre-approval and getting the keys.
Explore home buyingA renewal is more than a new rate. Review your options, compare what your current lender is offering, and understand what may be worth changing before you sign.
Explore mortgage renewalsSee how refinancing may work if you want to access equity, consolidate debt, restructure your mortgage, or prepare for another financial goal.
Explore refinancingMortgage Scenarios
The answer can change depending on the property, the timing, the income being used, the lender, or what needs to happen next.
Explore all Mortgage ScenariosBuying Before Selling
See how qualification, available down payment, a firm sale, bridge financing, and timing can affect the plan.
Separation & Divorce
Explore keeping the home, a potential spousal buyout, refinancing, buying another home, and qualification after separation.
Rental Suite Income
See how lenders may look at rent from a basement or secondary suite and why the type of suite and documentation can matter.
Self-Employed Income
Understand how lenders may review business history, tax returns, and income that does not always fit neatly on paper.
Low Appraisal
See what may change when the lender’s accepted value is below the purchase price or the value you expected.
Co-Signers, Co-Borrowers & Guarantors
Understand the different ways another person may help and how responsibility and qualification can change.
Local Mortgage Help
I'm based in Pitt Meadows and work with buyers and homeowners throughout British Columbia. If you're in Pitt Meadows or Maple Ridge, these local pages are a good place to start.
Right Here at Home
I’m based in Pitt Meadows and help local buyers and homeowners with purchases, refinancing, renewals, and more complicated mortgage situations.
Just Next Door
Mortgage help for Maple Ridge buyers and homeowners, including purchases, refinancing, renewals, property-specific financing, and situations that need a closer look.
Mortgage Resources
Some questions need a full walkthrough. Others just need a clear answer or a quick calculation.
Mortgage Guides
Step-by-step guidance for bigger mortgage decisions, including buying, renewing, refinancing, and planning a home purchase.
Explore Mortgage GuidesMortgage Minutes
Short, focused explanations for common mortgage questions without having to read a full guide.
Explore Mortgage MinutesMortgage Tools
Use calculators and planning tools to explore payments, affordability, income requirements, refinancing, and other mortgage scenarios.
Explore Mortgage ToolsMortgage Basics
Clear explanations of common mortgage terms, rules, and concepts without unnecessary jargon.
Explore Mortgage Basics
Meet Kiersten
A mortgage is a big financial decision, and I don't believe it should feel rushed or confusing.
My job is to understand what you're trying to accomplish, explain your options clearly, and help you choose a mortgage that fits your plans, not simply find you a rate.
I want you to feel confident about the decisions you're making and comfortable asking questions along the way.
Client Reviews
Real experiences from clients I've helped through purchases, refinances, and other important mortgage decisions.
“Kiersten was fantastic to work with throughout my mortgage refinance. What could have felt like an overwhelming process ended up being much easier and more manageable thanks to her guidance. She took the time to answer my questions, explain everything clearly, and made sure I felt comfortable every step of the way.”
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Still Have a Question?
Have a mortgage question or a situation you're not sure how to approach?
Reach out anytime. I'm happy to talk it through and help you understand your options.