A bad credit rating can be gut-wrenching and humiliating ... we have options!
"Life is what happens when you're busy making other plans." ...and sometimes things get out of control. We see all kinds of credit ratings every day and we have the strategies to help improve and even heal, damaged credit. You may be surprised to know that you can still obtain a mortgage. Whether you've had a bankruptcy or your credit is only slightly bruised, you can still obtain financing. No worries, we'll handle all the details.
As mortgage professionals, we have access to non-traditional lenders who offer financing solutions to individuals who have some credit challenges that cannot be addressed by the major financial institutions. Together we can quickly assess your situation and decide on the best way to move forward. The worst you can do is do nothing.
Mortgage and Certified Leasing Professional
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You have made our dreams come true, and you will NEVER be forgotten. In 5 years time, when our mortgage is up for renewal, I have no doubts that our family will be using the services of Ramona Steed.
Adam & Sam
Ramona was very helpful when we were buying our first house. I had been referred to her by a friend but I was still apprehensive as I had a lot of questions, seeing as I had never gone through the process before. I called her and almost immediately my nerves were calmed. She was very patient with all of my questions and answered them in lamens terms so I could understand. She was available at all hours and was just a text away when I had another question (which happened a lot!). We only conferred over technology but I felt like we were friends and she was looking out for our best interests. She got us into our first house with a great interest rate and all of our fears extinguished with only excitement left behind. I would recommend Ramona to anyone and everyone! She rocked!!
Jessica & Jesse,Oil and Gas, Cold Lake, AB
The entire experience was outstanding. As first time home buyer we had no clue what we were doing, Ramona helped us awnser questions to do with not only with our mortgage but with the entire experience. She was supportive and helpful in every way. I truly believe I would not have made it as calmly and successfully as I did if Ramona was not with us helping. We have already spoken to our friends that are upcoming first time home buyers on how wonderful our services were!
Tessa & Mitch Strathmore
Ramona Rocks! if it wasn't for her we'd never could have bought our house thanks!
Robert O, Roofer, Calgary, AB
It was so nice to work with someone like you who genuinely cared about helping us. Both me and Joey can't thank you enough and look forward to working with you again in the future.
Rachel & Joey Calgary, AB
Ramona is dedicated and very knowledgeable in what she does. She was able to get us an excellent rate and approved in record time right when all the Mortgage rules were changing. She has a way of explaining everything in terms you can understand and are comfortable with. I would highly recommend Ramona for any Mortgage services.
Nancy & Richard Nanton, AB
Excellent advise, super knowledgeable, and a pleasure to work with. I am a first time homeowner, and they made the buying experience comfortable and manageable, nowhere near as scary as i expected.
Ramona is absolutely amazing!!! She is THE reason I am able to be living in my new home! Throughout the whole process of getting me a mortgage, I felt complete trust and confidence in her abilities and knowledge as my broker! Never before have I seen someone put forth such genuine effort and dedication to her client. Her persistence, despite numerous reasons to give up, was inspirational! Ramona made what seemed impossible, possible.
I was so overwhelmed by Banker Talk and not truly understanding the mortgage process and where to turn when ours came due,when we were introduced to Ramona!! Thank Goodness.She was amazing in explaining the process. Putting us on the right track when it came to our Mortgage and agriculture business.Ramona was with us the whole step of the way,always on call and on top of every crazy email I sent her.She has made this process amazing for me,I could never have done it without her.She truly understands how this process works for each individual. If you even think of taking on a mortgage without Ramona your crazy!! She is Amazing !!Thank you Ramona
Sam & Rick, Self Employed, Nanton, AB
I have been working with Ramona Steed for the years I have been in Business selling Real Estate. She is Honest, Hard Working and has helped many of my clients with their Mortages. If you need a Dependable Mortage Broker, Ramona will get the job done and is Highly Recommended by myself.
Maureen Moncrieff, Realtor
Ramona was great kept me informed and helped me through the process and got a awesome rate. I would defiantly recommend her services to others.
W Waddell, Calgary, AB
I've known Ramona for a long time, she is genuine and hardworking, she'll get the job done!
Diane B Okotoks, AB
Ramona, you are the most incredible Mortgage Consultant to work with and highly recommend you to people I know and with utmost respect, professionalism, integrity goes beyond! You go beyond the call of duty. Great to know you!
Nadine, Realtor,Calgary, AB
I guess my experience began over 2 years ago when I moved back to Alberta with my wife, to reset our roots for our budding family. At the time of the move my wife and I were 8 months pregnant, expecting our first son. Faced with the prospect of finding a rental, we decided to first explore our options to buy a home. At the time we were less than 3 years clear from my bankruptcy, and were unsure what we needed to do to secure credit from an A lender. Fortunately a good friend of mine was a real estate agent in Calgary, and put us in contact with Ramona at MI. Within days of contacting Ramona, she came to meet with us to discuss our credit file. After pulling our file, we were able to clearly see where we were, but still lacked the route we needed to get us to a spot of credit independance. Ramona played a vital role in our rebuild of credit. Throughout the next two years, we would contact Ramona to discuss options of helping rebuild my broken credit. She always had time, no matter the day, or time of day, to discuss what our next steps would be. I'm happy to say that My wife and I are now in the home of our dreams, and we were able to get it at a rate that was better than the posted Bank rates. I know that none of this would have been possible without Ramona's help. Not only did she play an integral role in our families future, I now refer to her as an extension of my family, and speak her praise to everyone that will listen. You have made our dreams come true, and you will NEVER be forgotten. In 5 years time, when our mortgage is up for renewal, I have no doubts that our family will be using the services of Ramona Steed.
Adam & Sam
Being busy and have never purchased a home before, Ramona made it easy for me. She was clear with the information she needed and I didn't have to worry about a thing.
Thanks Ramona! Even though we threw you curve ball after curve ball it all went so smoothly. I appreciate the service and also the lovely gift. :)
Helpful, friendly, professional. Ramona made sure I understood everything I had to deal with and really took her time explaining it to me.
Ramona is amazing! not only is her service friendly and personalized, she will go above and beyond to ensure that you are content and well educated on the home buying process. Ramona helped me understand the home buying process for a first time home buyer through a series of consultations. Her determination to find me the right mortgage was the greatest indicator that I landed the right mortgage professional.