If we are able to get the necessary documentation, we might be able to get an approval in as little as 24 hours. Keep in mind, the longer it takes for us to receive your documents the longer your approval will take to secure. Take a look at our mortgage checklist, for a summary of what you’ll likely need to provide.
The CMHC Purchase Plus Improvement Mortgage or the CMHC Improvements program is an excellent option not many people are aware of.


Contact Rampone-Marsh Mortgages for more information about the CMHC Purchase Plus Improvements or CMHC Improvements programs and find out how you can get the house you love and customize it so that it matches your ideal image of a home.

Applying for a mortgage shouldn’t be hard or confusing,
Does paying bi-weekly actually save me money or shorten my amortization time?
It does! With a monthly mortgage, you’ll make 12 regular mortgage payments annually. When you pay bi-weekly, you’ll make 26 half-payments, amounting to 13 regular mortgage payments annually.
That might not sound like much, but it adds up. A bi-weekly payment schedule could make you mortgage-free years sooner, saving you thousands in interest payments to boot!
Our bi-weekly payment calculator can give you more details.
Why is a mortgage insurance premium necessary?
Regardless of mortgage rates, if a down payment is less than 20% of the home or property value, mortgage insurance is mandatory in Kelowna (and across Canada). Mortgages have built-in insurance premiums, so, therefore, the clients do not pay “out of pocket” for this expense. For mortgage lenders, a down payment of this size is more of a risk, so the mortgage insurance premium acts like a guarantee in the event of a default on the loan.

You guys, rock!
Thank you.
Carrie Mayhew
Garnet Dickinson

Karyn Mackenzie

Blog + Video
Here’s some more on The Purchase Plus Improvement Mortgage !

Yeaaaaah mortgage!
Whether you’re self employed, or buying a home for a new family, we have the perfect mortgage option for you.