The John Harker Team will guide you through the mortgage-financing maze.

As a is a licensed mortgage broker with Real Mortgage Associates John will direct you to the home financing products with the lowest interest rates and mortgage features to suit your individual needs.

The Mortgage Broker Difference

John brings all major banks and other lenders to you at once, instead of you having to go from bank to bank trying to make sense of it all. And most importantly, he will explain the loan to you in plain terms, so you know you are getting a mortgage that’s right for you. Learn more about the Mortgage Process when working with a Mortgage Broker by clicking here.

Whether you’re a first-time home buyer, refinancing an existing mortgage, buying a commercial property, or making available ready cash for emergencies, John can help you with a solution that meets your needs.  This site is designed as a tool for you to understand how John can help and see the difference that working with a mortgage broker can make in one of the biggest purchases in your life.  Contact John today and see how he can help.

What is a Mortgage Broker?

A mortgage broker is an intermediary working with a borrower and a lender while qualifying the borrower for a mortgage. The broker gathers income, asset and employment documentation, a credit report and other information for assessing the borrower’s ability to secure financing. The broker determines an appropriate loan amount, loan-to-value ratio and the borrower’s ideal loan type, and then submits the loan to a lender for approval. The broker communicates with the borrower and the lender during the entire transaction. The lender pays the mortgage broker a compensation fee for the referral on clients with good credit.


John was a great person to deal with was straight forward and got us the best deal for us. Gave us some good advice and always came to our house at any time whenever was convenient. I would strongly recommend John over a bank anytime!” ~ Mike Jones

John is a true professional in that his years of experience have provided him with a knowledge base second to none. John helps out every step of the way from answering questions and providing guidance to helping you make decisions specific to your unique situation. John’s prompt and courteous service puts your mind at ease and make you feel like you are dealing with a friend.” ~ Amy Aquino

As first time home buyers, we did not have any knowledge about mortgage brokers or home buying and he really put us at ease and explained everything in terms we could understand easily and also very straightforward.” ~ Ayshea Fraser

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