Low Rates. Smart Terms.

Spin Mortgage is a team of residential lending experts who genuinely love helping people. We stay on top of the market so you don’t have to, bringing decades of experience into every conversation. As a mortgage broker, we don’t lend the money ourselves; instead, we shop your mortgage around with a network of trusted lenders we’ve built strong relationships with since 1998. That means more options, better fits, and a mortgage that’s tailored to you. We combine real mortgage know-how with a people-first approach to help you land the best possible mortgage, without the stress.

It’s true, we have better rates than our competitors. But, more important is the reason why. Our banks know that we get deals done. We know mortgage products inside out, and we get to know our clients with the same integrity. When we submit an application we are confident that our clients will likely qualify. Rejected applications waste banks’ valuable time. They appreciate that we have such a high success rate and reward us with lower rates and better mortgage products, which we then share with you!

Whether you’re looking at an insured mortgage (less than 20% down) or a conventional one (20%+ down), fixed or variable, term vs. amortization—these details matter. Fixed rates stay the same, variable rates can fluctuate, and terms affect how long your rate lasts while amortization is the time it takes to pay off your mortgage.

Confused yet? That’s our job: we translate all the mortgage jargon into plain language and help you focus on what matters most. Once we find the right product for you, your rate can be held for up to 120 days, and if rates drop, we’ll match them. Basically, we make sure your mortgage fits your life, not just your rate.

Don’t let low rates distract you from the details. Features and restrictions will determine whether a mortgage is the right fit for you. Pay attention to terms like cash-back, claw backs, prepayment penalties, or bonafide sales clauses (Yuck!). Feeling lost? Rest assured, we’ll decipher the techy bits and help you find a mortgage that fits just right.