from
7.79%
1-Year Fixed
Mortgage agent, Hamilton
Your mortgage agent in Hamilton.
Real Mortgage Associates is headquartered on Upper James Street on the Hamilton Mountain, and Tisha works with buyers and homeowners across the whole city: the Mountain, Ancaster, Dundas, Stoney Creek, Waterdown, Westdale and the downtown core.
Mortgages in Hamilton, handled by someone who knows the lenders
Hamilton is a city of distinct markets. Century homes in Westdale, Durand and the Kirkendall and Locke Street area; post-war bungalows and newer builds across the Mountain; estate properties in Ancaster and Dundas; family subdivisions in Stoney Creek and Waterdown; and a growing condo market downtown near the GO station. Each attracts different lenders and different appraisal questions.
Tisha's brokerage, Real Mortgage Associates, has its head office at 578 Upper James Street, and her own experience spans two decades of retail banking and underwriting in this region. She knows how lenders view a legal duplex conversion in the lower city, a condo with a high fee, or a Dundas property on a well, and she builds the file accordingly.
From first purchases and move-up buys to refinances, renewals and investment properties, Tisha compares banks, credit unions, monoline and alternative lenders across Hamilton and the surrounding communities, and keeps the process moving so your closing day arrives without surprises.
Local situations
What Tisha helps with in Hamilton.
The Mountain
Bungalows, newer subdivisions and move-up buyers, with the brokerage office right on Upper James.
Ancaster and Dundas
Higher-value properties, estate lots and rural edges that need the right appraiser and lender.
Stoney Creek and Waterdown
Family subdivisions and new construction with longer closings.
Downtown and the lower city
Condos, century homes and duplex conversions near the GO station and Locke Street.
Investment properties
Student housing near McMaster and multi-unit buildings across the lower city, financed with investor-friendly lenders.
Refinances and renewals
Hamilton homeowners have built significant equity. Tisha helps you use it, or simply renew on better terms.
Today's rates
Current rates for Hamilton buyers.
from
7.34%
2-Year Fixed
from
6.29%
3-Year Fixed
from
6.04%
4-Year Fixed
from
4.79%
5-Year Fixed
Client stories
Clients who would recommend her.
My wife and I were looking to purchase an income property and were having trouble lining up our financing. A friend gave us Tisha’s name and she actually contacted us from her vacation to get details on what we were looking to do! I strongly recommend that anybody looking for a mortgage contact Tisha Findlay! I guarantee you will not be disappointed!
Tisha was great to work with! She responded to our questions quickly, was patient and very competent. I would strongly recommend her!
Tisha is very professional and experienced. We were extremely pleased with her approach to our situation and we highly recommend her as an Agent.
Can I meet at the Upper James office?
Yes, by appointment. Most of the process can also be done by phone, text, email and secure document upload if that is easier for you.
Do condos in downtown Hamilton finance differently?
Lenders look at condo fees, the building's reserve fund and status certificate, and some have size minimums. Tisha confirms the building is lender-friendly before you firm up.
What about a duplex or triplex conversion?
Whether the units are legal, self-contained and permitted affects both value and how rental income is counted. Tisha reviews the details and selects a lender that treats the property fairly.
Free consultation
Buying or refinancing in Hamilton? Start here.
Tell Tisha what you are trying to do and she will come back with options, not a sales pitch. Free, no obligation, no credit check to start.
- Over 20 years in retail banking
- Former mortgage underwriter: she knows what lenders want
- Banks, credit unions, monoline and alternative lenders
- Lender-paid on most residential mortgages