Licensed mortgage associate · Calgary, Alberta
Unlocking what's next.
First home, more room, renewal, refinance, retirement. Most people call a mortgage professional once. I'll be here for every call after that.
60+Lenders
OneApplication
Same dayPre-approvals
Every situationHas a solution
Every season
A mortgage isn’t one decision. It’s a series of them.
First home
Pre-approval, down payment, and what you can actually carry.
More room
Moving up, porting a mortgage, or buying before you sell.
Renewal
Your term is up. Signing the first offer is rarely the best one.
Equity
Renovations, a basement suite, or consolidating what you owe.
Investment
Rental and investment property, and how lenders treat that income.
What’s next
Downsizing, or helping your kids into their first place.
How it works
Three steps, and only one of them is yours.
STEP 01
You start
Fill in the application, or call and we’ll talk it through first. Either way in works, and it commits you to nothing.
STEP 02
One application, 60+ lenders
I take your file to banks, credit unions, and lenders you can’t walk into, and bring back what they’ll actually offer.
STEP 03
You choose, I handle the rest
I lay out the real differences between your options, you pick, and I manage the paperwork through to your closing date.
The point of all of it
A mortgage is paperwork. A home is the reason you filled it in.
I'll keep the financing part clear and moving, so you can spend your attention on the part that actually matters.
Qualifying
The files banks turn down are often the ones that work.
A single bank has one set of rules. With 60+ lenders, a "no" in one place is frequently a "yes" somewhere else, under terms that still make sense for you.
Self-employed
Your tax return rarely shows what you actually earn. There are lenders who read the whole picture.
Bruised credit
A rough stretch on your report isn't the end of it. We work out what to fix now and what can wait.
New to Canada
Short credit history, foreign income, or a work permit. There are programs built for exactly this.
Purchase Plus Improvements
Finance the renovation into the mortgage, so the house you can afford becomes the house you want.
Basement suite
Build a legal rental into your own home, and let the future rent help you carry it.
Rental and investment
Down payment rules, rental offsets, and how many properties a lender will let you hold.
Need help qualifying?
Let's build that plan together. Sometimes it's a few months of specific steps rather than a flat no, and I'll tell you exactly which steps.
About
I’d rather explain it twice than have you sign something you don’t understand.
I’m a licensed mortgage associate in Calgary. My work costs you nothing, because lenders pay me, so my job is to find the arrangement that actually fits your life.
Some files close in days and some take months of groundwork. When a deal has to move quickly, I move quickly, with same-day pre-approvals and lenders I can reach directly. When it needs patience instead, you’ll still know exactly where things stand at every step. The worst part of getting a mortgage is usually not knowing.
- Licensed mortgage associate, RECA and AMBA
- Access to 60+ lenders through one application
- Licensed in Alberta, available across Canada through our national brokerage
- Available evenings and weekends
- Purchase Plus Improvements for renovations and basement suites
What clients say
The part I can’t write myself.
★★★★★
I was particularly impressed by her service and proactivity reaching out to us again once rates came down and she thought we would be good candidates to remortgage. She helped us save over $400 per month!Juan G. · Google review
★★★★★
Sharon was beyond helpful and took every step to make sure that our first home purchase closed. We had some difficulty with the lender, but Sharon stepped up and intervened to seal the deal for us! Will definitely ask for her help again!Jamie R. · Google review
★★★★★
Due to a unique situation, we would not have been able to complete the purchase of our house without Sharon Roberts' direct involvement, resourcefulness and outstanding customer service.Eric A. · Google review
★★★★★
I had the very best experience with Sharon! Constant communication, explaining the process and extremely helpful as I was a fish out of water. I highly recommend.Sheila H. · Google review
★★★★★
We are truly grateful to Sharon for her professionalism, efficiency, and dedication. Thanks to her, we were able to purchase our very first home in Canada — a dream come true for our family.Olha K. · Google review
★★★★★
We had a great experience working with Sharon. She took the time to explain every step, answered all our questions, and made the process smooth and stress-free. We truly felt supported throughout the whole process.Preety B. · Google review
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★★★★★
Sharon and Melanie were awesome. Very fast processing, good assurance and very well informed about processing. Also very prompt in responding to queries!Julienne R. · Google review
★★★★★
Sharon gave us an excellent service, support and help. She was professional, patient and had a lot of experience, she knows what she's doing. Thanks SharonKadiatou S. · Google review
★★★★★
We recently worked with Sharon, and couldn't be more grateful. They made the mortgage process smooth and easy to understand. Always responsive and professional. Highly recommend!Julie H. · Google review
★★★★★
Working with Source Mortgage Center made buying my first home a breeze. Sharon is incredibly helpful and knowledgeable. I would certainly recommend her to others who are looking to!Joshua P. · Google review
★★★★★
Sharon Roberts was extraordinarily helpful in getting me the best rate possible and answering all my questions along the way as a first time home buyer. I highly recommend her!Matt W. · Google review
★★★★★
Sharon was amazing to deal with and I had quite the complicated situation as a single parent. Thank you for getting me an amazing mortgage!QueerCaramel · Google review
★★★★★
Awesome experience. Sharon was my contact agent and I had a greatly successful experience with her. Thank you Sharon.Folatura A. · Google review
★★★★★
I would like to take this opportunity to recommend and say 'Thank-you' to Sharon Roberts. Sharon is very personable, professional and strives to get the best product for her clients. Her dedication shows in the end result.Karen T. · Google review
★★★★★
Sharon was an absolute delight to work with. As first time home buyers she made the process so simple and stress free. It was a pleasure working with her. Will definitely be passing her info to anyone who needs it and using her in the future!Ceilidh G. · Google review
★★★★★
Sharon was fantastic. Our mortgage had a few hiccups, Sharon was patient and walked us through the dark maze of first time buying! Absolutely recommend Sharon and Source Mortgage.Kenneth W. · Google review
★★★★★
Sharon was a pleasure to work with! She was able to assist us with finding the right mortgage for us and her communication was excellent throughout the process. We knew we were in good hands! Thank you Sharon!Justin · Google review
★★★★★
Sharon was great to work with! I would highly recommend Sharon to all my family and friends.Moe H. · Google review
★★★★★
Not fond of dealing with brokers at first, but in the end I realized dealing with them was the best thing we did. My husband and I are grateful to deal with Lori and Sharon, they've been so helpful especially as we are first-time homebuyers.Ate D. · Google review
★★★★★
Sharon has been awesome to deal with! Would recommend again!Louise A. · Google review
★★★★★
I cannot say enough good things about Sharon Roberts and her team. Going through a divorce while purchasing a home was an incredibly emotional and overwhelming experience for me, and Sharon met me with genuine empathy, patience, and …Boban S. · Google review
★★★★★
I had an excellent experience working with Sharon on my mortgage. She guided me through every step of the process with patience, professionalism, and clear communication. Buying my first home in Canada was stressful, but Sharon made …Batbayar B. · Google review
★★★★★
As first-time homebuyers, we couldn't have asked for a better experience. Sharon and Melanie were absolutely amazing, knowledgeable, patient, and incredibly supportive throughout the entire mortgage process. …Adil J. · Google review
★★★★★
Sharon has been of amazing help from the very beginning. She helped us in the rather short amount of time that we had left to do the mortgage and got us a deal that we are happy with. …Andrei · Google review
★★★★★
Sharon Roberts has been amazing from start to finish! From our very first conversation, she made the mortgage process feel so much less intimidating. She has been super responsive since day one and worked quickly to keep the process moving. …Ishaan P. · Google review
★★★★★
We are a family from Ukraine, and we want to sincerely thank Sharon Roberts for the incredible support and professionalism in the process of acquiring such a long-awaited own home. …Tamara H. · Google review
★★★★★
Working with Sharon Roberts was an amazing experience. She was always there to answer our questions and was very supportive every step of the way. She is super knowledgeable and had some great tips for us. …Philipe D. · Google review
★★★★★
We worked with Sharon Roberts to get approved for purchasing our first home. She was extremely knowledgeable and professional the entire time. She provided us with all the information needed and guided us through every step of the process …Kayla H. · Google review
★★★★★
We had an excellent experience working with Sharon Roberts! From the very beginning, she was professional, knowledgeable, and incredibly patient in answering all our questions. She guided us through the entire process, ensuring we understood …Galit A. · Google review
★★★★★
I can't recommend Sharon enough! She worked diligently to ensure we secured the best mortgage and rate possible. From our first meeting, she was incredibly knowledgeable and responsive, guiding us through every step of the process. …Rebecca W. · Google review
★★★★★
Couldn't have had a better team batting for me than Sharon Roberts on the mortgage side of things and Jodi Flodstedt as my realtor — combined there wasn't a single question I didn't get an answer for and they both honestly went above and …Ross B. · Google review
★★★★★
Sharon was a joy to deal with in renewing our mortgage for the first time. She was very attentive to detail, driven to help us find the renewal that worked best for us, and with the best interest rate. …Katie R. · Google review
★★★★★
We had the pleasure of working with Sharon recently. She helped us on our very complex file, under an extreme time crunch. I can't say enough good things about her! So knowledgeable and dedicated. …Megan L. · Google review
Reviews left by clients on Google, shown in full and unedited.
Questions
The things people ask before they call.
What does this cost me?
Nothing, in almost every case. Lenders pay me when your mortgage funds, so my time, the advice, and the shopping around are free to you. The exception is some private or alternative lending, where a fee can apply — if that's ever the case, you'll see it in writing before you agree to anything.
Are you available outside Alberta?
Yes. I'm licensed in Alberta and based in Calgary. When a purchase falls outside where my licence reaches, the file is placed through our national brokerage head office with a licensed associate in that province — and I stay your point of contact the whole way through. So if you're relocating, buying a recreational property, or helping family in another province, start with me. Tell me where you're buying and I'll confirm exactly how it works for your situation.
Can I get the best rate?
"Best rate" is an advertising line more than a product. The number in the ad is usually the one almost nobody qualifies for — it's tied to an insured mortgage, one specific term, a restricted lender, and conditions most people don't meet. By the time it's priced for your actual file, it isn't that number any more. What makes one mortgage genuinely better than another is usually in the fine print. How the penalty is calculated if you break the term early — and most people do, around year three. How much you're allowed to prepay each year without a charge. Whether you can take the mortgage with you when you move. Whether the term length matches what you're actually planning to do. Any of those can cost more over five years than a small difference in rate. I have access to top-tier rates through 60+ lenders and I'll always be competitive on the number. What I'd rather do is put the rate and the terms in front of you together, so the mortgage you sign is the one that's cheapest by the time it's finished — not just on the day you start it.
What if the bank already said no?
A bank is one lender with one rulebook. I work with A lenders, B lenders, credit unions, and private lenders, which means a decline in one place is often an approval somewhere else — sometimes at similar terms, sometimes as a short-term step while we fix what caused the no.
Do you finance new builds?
Yes. New construction has its own timelines, completion dates, and rate-hold requirements that resale purchases don't, and builders often have their own deadlines attached. It's worth talking early rather than after you've signed with the builder.
How much do I need for a down payment?
In Canada the minimum is tiered: 5% on a home under $500,000; 5% on the first $500,000 plus 10% on the portion between $500,000 and $1.5 million; and 20% on homes of $1.5 million or more. So a $700,000 home needs $45,000, not $35,000 — a common and expensive surprise. Under 20% down, mortgage default insurance is required and gets added to your mortgage.
Will shopping around hurt my credit?
No. You fill in one application and I pull your credit once, then take that same file to multiple lenders. That's one inquiry, not sixty — which is exactly why going bank to bank on your own is the more damaging approach.
How fast can I get a pre-approval?
Usually the same day, and it comes with a rate hold of up to 120 days. That means you can shop knowing your number, and if rates rise while you're looking, you keep the one you were quoted.
Get in touch
Start wherever you're comfortable.
Some people want to talk it through first. Others would rather fill in the application and go from there. Both work, so pick whichever suits you.
The application takes about 15 minutes and doesn't commit you to anything.