Home Purchases, Renewals, Refinances, Debt Consolidation, Renovation/Construction Financing & More!

    Welcome to Donna Mullen Team, Mortgage Architects. We are committed to educating you about your financing options and creating a personalized solution which focuses on debt management and total home ownership. We have Accredited Mortgage Professionals ready to help you servicing Midland, Barrie, Wasaga Beach, Collingwood, Oro Medonte, Hillsdale, Newmarket, Innisfil, Meaford, Owen Sound, Grey Bruce and Elmvale. Please contact us today for your free, no-obligation consultation.

    You – Through the Eyes of a Mortgage Lender

    If you’re a newcomer to Canada, self-employed, work on commission or have a poor credit history, you may think your chances of qualifying for a mortgage or refinancing are slim to none. Think again. It is often possible to find a way – the trick is seeing yourself through the eyes of a mortgage lender.

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    The 5 C’s of borrowing:

    Mortgage lenders look for certain characteristics in potential borrowers. Generally, they’re attracted by five key criteria:

    • Capacity — whether your income is sufficient to repay the mortgage once all your other debts are factored in
    • Capital — whether the size of your down payment indicates a serious commitment to the property on your part, and sufficient minimization of risk on the part of the lender
    • Collateral — whether the property is of sufficient value and marketability to cover the amount borrowed
    • Character — your reputation and reliability, usually based on factors such as your education, employment history and residence
    • Credit — your history of meeting credit obligations, which is based on credit-bureau records for the past six years.

    If your qualifications are less than stellar in any of these areas, a traditional lender may not accept you. But that doesn’t necessarily mean you can’t get a mortgage. Like we said before, it is possible! You just need to find the right match.

    Bringing your best qualities to light
    Many lenders may be perfectly willing to accept you as long as they view you as a reasonable credit risk overall. For example, if you are new to Canada, lenders may consider you based on the steady nature of your employment or the size of your down payment. Likewise, if you are newly self-employed and can’t prove a regular income, the lender may instead look at your debt load, credit history and business plan. If these are all very positive, the fact that you don’t have an earnings history may not be so important. And if your financial reputation is marred by a poor credit history, but you’ve have taken discernable steps to improve your rating and your debts are under control, your current income and down payment may be enough compensation.

    Finding your perfect mortgage match
    Each mortgage lender has its own particular requirements. Professional advice can go a long way in helping you find the right one. The right lender will be a good match for your situation, so that the mortgage you get meets your needs. A financial professional can also help you put the steps in place so that you can make the most out of your best qualities and help you overcome mortgage hurdles — whether they’re real or perceived. Remember that you are most often your own worst critic. Let others see the good.

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    While the Bank of Canada announced another 25 basis point increase to put the key rate to 1% this morning (see, Canadians are still enjoying some of the best rates when it comes to mortgage financing. Check out the 25 year historical summary of fixed and variable rates – compliments of one of the lenders we work with – and then call Your Mortgage Store to get an expert opinion on what is the right option for you.

    Local Market News


    AUGUST 24, 2010: The latest edition of CMP Magazine – published by KMI Publishing and distributed nationally within the mortgage industry – includes a 3 page feature profile of Donna Mullen, previous owner of Your Mortgage Store now Donna Mullen Team, Mortgage Architects..

    Titled as “Teaching in Cottage Country” the article starts off by saying “When the Canadian mortgage industry first started growing in the early 90s, the obvious place to make money was in the major cities. But Donna Mullen defied the standards and built her business in an area where financial education for the everyday person was limited. Heather Li (CMP Staff Writer) shows how by going small, Mullen made it big.”

    Click on this link and read about how Donna got started in the mortgage industry and see what really drives her to succeed: CMP Magazine Article – Profile of Donna Mullen

    Our Clients Speak Out

    Making A Difference in People’s Lives.

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    Mortgage Deal Closure Rate

    Some of Our Lenders


    AUGUST 4, 2010: Congratulations to Donna Mullen for being the only area Broker to make the CMP’s Top 50 Brokers List in Canada with more than $34 million in mortgages funded in 2009 from her office in Wasaga Beach alone! This latest achievement reflects Donna’s commitment to help residents “BE EDUCATED” about their financing options while creating a Total Homeownership Plan that includes great rates for their real estate purchases and mortgage renewals/refinancing. By helping clients to be successful with their debt management Donna’s efforts also contribute to a healthy community as homeowners pay taxes and support an array of local businesses. For all these reasons Donna is looking forward to many more years of serving her own client base in addition to mentoring a team of Mortgage Agents serving many communities in Southern Ontario.

    Discover Your Financing Options!

    Contact our qualified Mortgage Agents for a FREE FINANCIAL CONSULTATION and let us help you assess your situation then offer objective advice on how you can maximize your real estate investment and save borrowing costs based on your unique circumstances. Call or visit one of our offices in Simcoe County today!

    • Refinance to a lower rate
    • Consolidate debt
    • Buy a new or investment home
    • Pay down your mortgage faster

    Latest Google Reviews



    “Norlite Financial Services
    Top Producer of year Award
    Total transactions Written”


    “Norlite Financial Services
    Gold Club Award


    “Mortgage Intelligence
    Award of Excellence


    “GMAC Residential Funding Club 90
    Outstanding Contribution & Dedication


    “National Sales Conference – The Strength To Lead
    Leader in Mortgage Transactions Ontario Region


    “National Sales Conference – The Strength To Lead
    Top Producer Ontario


    “GMAC Residential Funding Club 90
    Donna Mullen in Recognition of Your Outstanding Contribution and Dedication


    “Be Bold Success Awards invis & Mortgage Intelligence
    The Donna Mullen Team for their Achievement as National Top Team


    “Be Bold Success Awards invis & Mortgage Intelligence
    The Donna Mullen Team for their Achievement as Top Team Ontario


    “Be Bold Success Awards invis & Mortgage Intelligence
    The Donna Mullen Team for Their Achievements as Top Team Ontario and Top Team in Canada (Top 20)


    “CMA (Canadian Mortgage Awards) Best national Broker Network”


    “Be Bold Success Awards invis & Mortgage Intelligence
    The Donna Mullen Team Achievement as Top Team Ontario and Top Team Canada (top 20)


    “Be Bold Success Awards invis & Mortgage Intelligence
    The Donna Mullen Team Achievement as Top Team Ontario and Top Team Canada

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    Let’s start the Mortgage Approval Process Today.

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