My Rates

6 Months 3.10%
1 Year 2.29%
2 Years 2.14%
3 Years 2.24%
4 Years 2.39%
5 Years 2.44%
7 Years 2.99%
10 Years 3.59%
6 Months Open 3.10%
*Rates subject to change and OAC
Zach Silverman Broker / Owner

Zach Silverman

Broker / Owner

1-6337 198 Street, Langley, British Columbia









I hope you're having a fantastic day so far and thank you for the opportunity in advance to work With You and discuss all of your Mortgage Requirements & Needs!


ABC Mortgage Group:


You've decided to take the first steps towards Home Ownership.

When purchasing a home and need a mortgage; you can go to a local bank and accept one of their products only available to that institution. Or you can sit down with myself, and or any other Mortgage Broker that has access to a wide range of lenders that will be competing for your business! With a number of products for you to choose from and the best interest rates possible. It is a benefit to use a Mortgage Broker.

With access to over 30 lenders including Canada’s largest banks, Credit unions, Trust Companies and private lenders. I will personally guarantee you that I will work as hard for you as I did getting to where I am today!


My Promise:


I will provide you with unbiased advice and take the time to go through all your financing options. I'm here to work with you and for you, NOT THE BANKS!

I love what I do, I've been involved within the Real Estate and Mortgage Brokering industry since an early age. Working from the ground up, I know that reaching one's goals is something that we all want to work towards and strive to achieve. I'm thankful that your giving me your trust and I look forwrad to not only earning it but Keeping it!

If we have the opportunity to sit down together and discuss your mortgage requirements and needs... I will provide you with a more indepth profile about myself and also take the time to get to know you. I promise you that I will do my very best that I can to ensure the transaction is as seamless as possible. Even if there are bumps in the road and some struggles along the way... I plan on going through those with you.


In Closing:

In most cases, we are paid directly by the Lender so there is no cost to you, and because I don't get paid until the mortgage is fully completed, I'm going to be highly motivated to move your mortgage application quickly through all the required channels.

The difference of even a .25% on a mortgage can result in thousands of dollars worth of savings over the life of your mortgage and allowing you to be mortgage free years sooner.

I look forward to meeting with you and discussing the next steps.


Thank you again for allowing me to be a part of this journey with you!

BLOG / NEWS Updates

Top five home renovations that increase property value

Looking to increase your homes property value? Here are five of the best renovations you can do to your home to increase property value. These five renovations can sometimes have a return on investment 5-6x what they cost. #5 Flooring Flooring is one of the most important aspects of your house. You will see an immediate rise in property valuation with the installation of hardwood floors. Existing hardwood floors that you can refinish are ideal as they are less costly to restore and in higher demand than new flooring materials. For the bathroom, tile will always be in demand and retain value exceptionally well. #4 Fixtures Kitchens often look tired and dated, in large part due to old fixtures. Replacing or updating cabinet hardware, light fixtures, countertops and faucets will result in an immediate increase in your homes value. This small, but effective upgrade will also revitalize the entire home. Pot lights are in high demand in open concept style homes. #3 Bathroom Thebathroomis the second most important room in the home in terms of valuation. If you can add a three-piece bathroom to a home with only one full bathroom, you will see a dramatic rise in the market value of your home. While you should never compromise bedroom space for a bathroom, try sneaking one in dead space in the home. Scott managed to fit in a 3-piece bathroom under a staircase the width of the room measured just 44 inches. As an added tip, use glass for the shower to make the bathroom feel more spacious. #2 Kitchen Kitchens are the single most important room in the home relating to valuation. The kitchen can make a significant difference in the value of your home. As such, it is crucial that you invest in having a modern, fresh anddesirable kitchen. Modern cabinetry, under cabinet lighting and new appliances will all significantly increase the value of your home on the market. To save on cost without compromising construction and desirability, look at options like Ikea cabinets as opposed to custom cabinetry. #1 An Income Suite No surprise, but the single biggest way to increase the value of your home is to build an income suite within the property. Whether this is converting yourbasement into a rental, or another floor in the home, an income property will increase your homes worth. The main reason for this is that it covers a portion, or sometimes all of your mortgage payments, and results in your home being cash flow positive which creates real wealth that can supplement your income. sources:www.homeownership.ca; www.genworth.ca

Valuable Fraud Prevention Tips for Homebuyers and Homeowners: Part 1

March is Fraud Prevention Month. Canada Mortgage and Housing Corporation (CMHC) has consistently been a leader in the fight against mortgage fraud and offers the following tips to protect yourself against becoming a victim of mortgage fraud. Misrepresentation of Information Mortgage fraudoccurs when someone deliberately misrepresents information in order to obtain mortgage financing that would not have been granted if the truth had been known. This can include: Misstating ones position or inflating ones income or length of service at their job; Misstating employment status (ie. salaried/full time versus contract, part time, hourly or commission-based or self-employed); Misrepresenting the amount and/or source of the down payment; Purchasing a rental property and misrepresenting it as owner-occupied; Not disclosing existing mortgage and/or debt obligations; Misrepresenting property details or omitting information in order to Inflate the property value; Adding co-borrowers who will not be residing in the home and do not intend to take responsibility for the mortgage. Another common form of fraud is when a con artist convinces someone with good credit to act as astraw buyer.A straw buyer is someone who agrees to put his or her name on a mortgage application on behalf of another person. In return for their participation, straw buyers may be offered cash or promised high returns when the property is sold. Often, straw buyers are deceived into believing that they will not be responsible for the mortgage payments. Consequences of Misrepresentation Borrowers who misrepresent information and straw buyers who allow a property to be purchased in their name are committing mortgage fraud and will be responsible for any financial shortfall in the event of default. They may also be held criminally responsible for their misrepresentation. Reporting Fraud If you suspect that you or someone you know has been the victim of mortgage fraud, please contact your local police department or The Canadian Anti-Fraud Centre. On-line:www.antifraudcentre-centreantifraude.ca Toll Free: 1-888-495-8501 Toll Free Fax: 1-888-654-9426 Email:info@antifraudcentre.ca To find out more about mortgage fraud, visit the fraud prevention section of the Canadian Association of Accredited Mortgage Professionals (CAAMP) website athttp://mortgageconsumer.org/protect-yourself-from-real-estate-fraud. For over 65 years, Canada Mortgage and Housing Corporation (CMHC) has been Canadas national housing agency, and a source of objective, reliable housing information. Source: CMHC


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