Michael Hamman Photo of a Mortgage Broker

Michael Hamman can help you find the right mortgage and loan solutions!

Mortgages, Debt Consolidation, Home Equity Loans

Bank Turndown, Refinancing and More!

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Michael Hamman & One Stop Mortgage Corp can help you get the best mortgage/loan package

to fit your financial needs.

Bank turned down your application? We can help!

Call us today and find out: 1-877-874-8988 or 604-874-8988 

Why work with a Mortgage Broker?

BC Canada Mortgage Broker Michael Hamman serving British Columbia and Alberta Canada.

The best part of working with a Mortgage Broker is that he or she represents you, the customer, not the lender. Because they are independent and not employees of a lending institution, brokers have more options when putting together a mortgage or lending product that suits your financial needs. Brokers can find the best financing for your specific needs, whether it's from a Chartered Bank, Trust or Insurance Company, or Private Funds.

With so many options, rules and features available to homebuyers today, it can be difficult to find the best and most appropriate mortgage or home equity loan financing. Shopping around can be stressful since it takes so much time, effort and up-to-date knowledge. The mortgage process, rules and qualification guidelines in today's very competitive marketplace can be intimidating to the homebuyer. A mortgage professional will represent you and ensure the mortgage you get with competitive rates will suit your needs.

Choosing the wrong mortgage can cost you thousands of extra dollars if you can't get the best rate, choose terms that suit an institution rather than you, and get tricked into a mortgage that doesn't fit. Mortgage Brokers are trained professionals who can help you save money and get a financial package that suits your particular needs.


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Mortgage and Financing Services

Home Equity Loans

You've been paying down your mortgage for years, building equity. A home equity loan allows you to access that cash when you need it most. The banks often have tough rules about home equity loans, but I can help you find the best rates for your particular financial situation.

You may want to consider refinancing to:

  • Pay down your debts with high interest rates
  • Consolidate your debts
  • Finish home renovation projects
  • Invest in your business
  • Pay a child’s tuition
  • Take advantage of low interest rates
  • Take a much needed vacation
  • Buy a new car

Using your home equity can be an easy way to lower your borrowing costs without taking out a traditional loan. Contact me today and find out how to access the money in your home for what you need now.

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Debt Consolidation Loans

Money problems put incredible stress on a person and his or her relationships. Troubles with debt can lead to the loss of your home, breakdown of your marriage and family relationships, incredible stress and permanent health problems as well as a deterioration of your credit score. When times get tough, and you are carrying a huge debt load, it becomes harder and harder to make the money you need to carry that debt.

There are many solutions within debt consolidation that will assist you in lowering your monthly payments and giving you the breathing space to start paying off your debt.  These include lower interest rates, a home equity loan and working with mortgage broker Michael Hamman to help you find the best financial solution to pay off your debts and reduce your interest rates into one easy monthly payment.

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Self-Employed Mortgage

Self Employed Mortgages enable a person to qualify for a mortgage based on the income that is shown or can't always be shown in the traditional manner. Applying for a loan or mortgage can be difficult when you are self-employed, since you have income coming in at differing rates every month. Many big banks won't help you, or they will charge you higher interest rates.

Michael Hamman can help you find the best rates and fight to get you the best deal you can get for your particular financial situation. He can also get access to Stated Income Products to help with Consolidating Debts, home renovation, vacations, Business Capital, automobile purchase or other needs.

Credit Repair

I can provide tools and information to improve credit and overall financial situation.

  • Do you want help with your credit and are you prepared to do something about it?
  • Would you like debt consolidation help?
  • Would you like lower monthly payments?
  • Would you like to improve your credit?
  • Are you a home owner?

If you said "yes" to any of these questions call me today at 1-877-874-8988 or 604 874 8988.


Are you overwhelmed with debt?
I can assist you in consolidating all of your credit debts into a mortgage on your property anywhere in BC or Alberta.

This process will usually lower your monthly payments from what you are paying to all of your creditors and condense all your monthly payments into one easy to manage payment.

Also you should notice that your credit score will increase and you will be more suitable to qualify for a conventional mortgage in as soon as 1 year.

I can also help you if you are in a consumer proposal or even if you have been previously bankrupt.

Call Michael Hamman today to discuss your application and see how to repair your credit.

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Is your mortgage rate higher than the current discounted mortgage rates?
Do you have outstanding debts or loans that you need to refinance at a lower rate?

If you are self-employed or on a salary, I can help you find the best solution for refinancing.

Mortgage refinancing is useful to reduce interest rates or the interest costs, to extend the repayment time, to pay off other debt to reduce periodic payment obligations or by taking a longer-term loan, as well as to reduce or alter risk and to raise cash for investment or the payment of a dividend.

Refinancing may also reduce the risk associated with an existing loan. Interest rates on adjustable-rate loans and mortgages shift up and down so by refinancing an adjustable-rate mortgage into a fixed-rate one, the risk of interest rates increasing dramatically is removed. Contact me today to see if refinancing is a good option for you.

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AMBA is the collective voice of the mortgage brokerage industry in Alberta. AMBA develops a standard of excellence for its members through advocacy, education, information and networking.

AMBA promotes an ethical and sustainable industry for consumers and industry members.



  • Founded in 1994, CAAMP (formerly CIMBL) draws its members from all segments of Canada's mortgage industry 
  • CAAMP is actively involved in delivering professional development opportunities and hosts regional and national events across Canada
  • CAAMP serves as the industry voice with government, media and regulators


The Mortgage Brokers Association of British Columbia represents the province’s mortgage industry and exists to support and enhance professionalism and ethical standards within the mortgage industry. Incorporated in 1990, the Association is not-for-profit, based in Vancouver and has a growing membership of over 1800.