Business Details
20 Years
experience
Your Trusted Mortgage Broker in Essex, ON
Rika Lavigne is a national mortgage brokerage and leasing company established in 2006. With over 2,000 members nationwide, we provide free expert advice and simplify the mortgage process for clients across Canada. Our team of licensed mortgage professionals works with more than 230 lending institutions, including major banks, credit unions, and trust companies, to offer access to hundreds of mortgage products tailored to individual needs. We specialize in first-time homebuyer programs, self-employed financing, credit rehabilitation solutions, and equity-based lending. Recognized as one of Canada's fastest-growing companies, we have received multiple industry awards, including Mortgage Brokerage of the Year and National Broker Network of the Year.Our professionals are available evenings, weekends, and by appointment to ensure clients receive personalized service and competitive rates. We prioritize client interests over lender interests, ensuring unbiased advice and optimal mortgage solutions. With a proven track record of success and a commitment to transparency, we help clients navigate mortgage renewals, refinancing, and investment property financing with confidence.
Services
Mortgage Pre-Approval
Fixed Rate Mortgages
Variable Rate Mortgages
Home Equity Loans
Mortgage Renewal
Refinancing
Self-Employed Mortgages
Investment Property Financing
Credit Rehabilitation
Mortgage Life Insurance
Details
- Year established: 2006
Highlights and features
- We work with 230+ lenders to find your best mortgage rate
- Our team holds multiple national mortgage industry awards
- We offer specialized financing for self-employed individuals
- We provide unbiased advice independent of lender interests
- Our professionals are available evenings, weekends, and by appointment
What people say
Competitive rates
Expert advice
Personalized service
Quick approval process
Knowledgeable staff
Services
Mortgage Pre-Approval
Our mortgage pre-approval service helps clients understand their borrowing capacity and secure favorable rates before house hunting. This process involves assessing financial documents and credit history to provide a conditional commitment. Clients benefit from knowing their budget and gaining negotiating power in real estate transactions.
Home Equity Loans
We offer home equity solutions for debt consolidation, renovations, education expenses, and investment opportunities. Our professionals evaluate property value and existing mortgage balances to determine available equity. Clients receive tailored options that balance financial goals with responsible borrowing practices.
Mortgage Renewal
Our renewal specialists analyze current market rates and client financial situations to secure optimal renewal terms. We recommend starting the process 4-6 months before expiration to avoid automatic lender renewals. Clients benefit from competitive rate negotiations across our 230+ lender network.
Self-Employed Mortgages
We provide specialized mortgage solutions for self-employed individuals with non-traditional income documentation. Our programs accommodate variable income streams and business financial statements. Clients receive access to lenders who understand entrepreneurial financial profiles and offer flexible qualification criteria.
Refinancing
Our refinancing experts help clients optimize mortgage terms through rate adjustments, equity extraction, or debt consolidation. We analyze current loan conditions against market opportunities to identify savings potential. Clients benefit from customized strategies that align with long-term financial objectives while maintaining responsible lending practices.
People
Rika Lavigne
Mortgage Agent Level 2
Rika Lavigne is a licensed mortgage agent with Dominion Lending Centres, specializing in mortgage solutions for first-time buyers and self-employed individuals. With extensive experience in the industry, she provides personalized service to clients in Essex and surrounding areas, helping them achieve their home financing goals.
Questions
How do you differ from traditional banks for mortgage services?
We work with 230+ lenders to find your best rate, while banks only offer their own products.
What are your mortgage advisory service fees?
Our mortgage advisory services are free - we receive compensation from lenders upon successful mortgage placement.
How does the mortgage renewal process work?
We recommend starting 4-6 months before expiration to secure better rates through our competitive lender network.
Can you help with home equity financing?
Yes, we specialize in equity-based financing for debt consolidation, home improvements, and investment opportunities.
Do you offer mortgage solutions for self-employed individuals?
Yes, we have specialized programs for self-employed clients with non-traditional income documentation.
