Steve Sklenka Real Estate

Steve Sklenka Real Estate My name is Steve Sklenka. I am a member of Re/Max Real Estate Hall of Fame with over 30 years of real estate experience. I own a professional B.Sc.Eng.

I have sold over $100 million in real estate in Calgary and surrounding areas. designation.

Happy Canada Day! 🇨🇦 Wishing everyone a wonderful day filled with family, friends, gratitude, and pride in this beautifu...
07/01/2026

Happy Canada Day! 🇨🇦 Wishing everyone a wonderful day filled with family, friends, gratitude, and pride in this beautiful country we call home. Stay safe, enjoy the celebrations, and have an amazing Canada Day!

Happy Father's Day to all the amazing fathers. Hope you have a fantastic day with your loved ones
06/21/2026

Happy Father's Day to all the amazing fathers. Hope you have a fantastic day with your loved ones

Happy Mother's Day to all the amazing moms out there. Wishing you love, happiness and a beautiful day with your family.
05/10/2026

Happy Mother's Day to all the amazing moms out there. Wishing you love, happiness and a beautiful day with your family.

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding t...
04/24/2026

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding the banks.

Today, we will examine 20th of the 20 top lenders, RMG Mortgages.

đź“Ť Head Office (Mortgage Broker / Regulatory listing):

RMG Mortgage Corporation
451 Phillip Street, Suite 100
Waterloo, Ontario, N2L 3X2, Canada

đź“Ť Servicing / Mailing Address (for customers):

RMG Mortgages Servicing Centre
P.O. Box 351, STN C
Kitchener, Ontario, N2G 3Y9

đź“ž Main Customer Service Phone (most commonly used):

1-866-809-5800 (toll-free)

What should you know about RMG Mortgages?

RMG Mortgages is a Canadian non-bank (“monoline”) mortgage lender that focuses on providing residential mortgage financing through mortgage brokers, rather than operating like a traditional retail bank.

RMG Mortgages is a mortgage lending brand owned by MCAP Financial Corporation, one of Canada’s largest independent mortgage finance companies. RMG’s core business is to originate, fund, and service residential mortgages across Canada.

The company works almost entirely through the broker channel, meaning borrowers typically access RMG products via mortgage brokers instead of dealing directly with the lender. This allows RMG to reach a wide range of clients and tailor mortgage solutions to different borrower profiles.

RMG primarily focuses on prime and near-prime borrowers—people with solid credit and income—but it also offers some flexibility compared to major banks. Its product lineup includes:

Fixed and variable rate mortgages
High-ratio (insured) mortgages
Conventional mortgages
Refinancing and renewal options

A key part of RMG’s model is how it funds mortgages. Instead of relying on deposits from a branch network, it uses:

Securitization programs (selling pools of mortgages to investors)
Institutional funding sources

Like many monoline lenders, RMG often retains the servicing of mortgages, meaning it continues to collect payments and manage the loans even if the funding is sourced from investors.

Because it does not operate physical branches or offer everyday banking (like chequing accounts), RMG can focus on efficiency and competitive mortgage pricing, which is why it is well known in the broker community.

In simple terms:

RMG Mortgages is a specialized mortgage lender that works through brokers to provide competitive home financing, mainly to strong borrowers, using investor funding rather than traditional bank deposits. It acts as a streamlined alternative to big banks, focused solely on mortgages rather than full-service banking.

Steve Sklenka, B.Sc.Eng.
RE/MAX House of Real Estate
4034 16 St SW
Calgary, AB, T2T 6T8
www.stevesklenkarealestate.com
403.703.3864

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding t...
04/24/2026

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding the banks.
Today, we will examine 19th of the 20 top lenders, RFA Bank of Canada.

Call: 1.844.229.7577
Fax: 1.855.247.6270
Email: [email protected]*

IFDS C/O RFA Bank of Canada
30 Adelaide Street E, Suite 1
Toronto, ON, M5C 3G9

What should you know about RFA Bank of Canada?

RFA Bank of Canada and RFA Mortgage Corporation are part of the same Canadian financial group (RFA Capital) and together operate as a non-bank mortgage platform focused on residential lending through brokers.

RFA is a Canadian-owned financial services group that combines mortgage lending, real estate investment, and asset management. Its mortgage business is split between two entities:

RFA Mortgage Corporation – focuses mainly on prime mortgage lending (insured, insurable, and conventional loans)
RFA Bank of Canada – a federally regulated Schedule I bank that focuses more on alternative (Alt-A and B) lending and also offers deposit products like GICs

Together, they provide a full spectrum of mortgage solutions, ranging from strong-credit borrowers to those who don’t meet traditional bank criteria.

Their core business is to originate, fund, and service residential mortgages across Canada. These mortgages are typically distributed through mortgage brokers, not directly to consumers, making RFA what’s often called a “monoline lender” (specialized in mortgages only).

RFA offers financing for:

First-time homebuyers
Homeowners refinancing or renewing
Real estate investors and rental properties

A key feature of RFA’s model is that it combines:

Prime lending (RFA Mortgage Corporation)
Alternative lending (RFA Bank of Canada)

This allows brokers to use RFA as a “one-stop shop” for mortgage solutions depending on the borrower’s profile.

Funding comes from a mix of:

Capital markets and institutional investors
Deposits (through RFA Bank, including CDIC-insured GICs)

Beyond lending, the broader RFA group is also involved in real estate investment and asset management, including commercial properties and REITs, which supports its overall financial platform.

In simple terms:

RFA Bank and RFA Mortgage Corporation together act as a full-service mortgage lender outside the traditional banking system—they provide a wide range of home financing options through brokers, covering both prime and non-prime borrowers, while funding loans through investors and deposits rather than relying on a typical branch-based banking model.

Steve Sklenka, B.Sc.Eng.
RE/MAX House of Real Estate
4034 16 St SW
Calgary, AB, T2T 6T8
www.stevesklenkarealestate.com
403.703.3864

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding t...
04/24/2026

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding the banks.
Today, we will examine 18th of the 20 top lenders, Radius Financial.

Radius Financial Inc.
220 King Street West, Suite 500
Toronto, ON, M5H 1K4

Telephone: +1.416.366.4321
Toll Free: +1.877.369.6398
FAX: +1.416.367.4321
E-mail: [email protected]

What should you know about Radius Financial?

Radius Financial is a Canadian non-bank mortgage lender that focuses on providing flexible mortgage solutions through mortgage brokers, rather than operating like a traditional bank.

Radius Financial is a privately owned Canadian mortgage company founded in 2001 and based in Toronto. Its core business is to originate and fund residential mortgages for homebuyers, investors, and refinancers across Canada.

The company operates primarily through the mortgage broker channel, meaning borrowers usually access its products via brokers rather than directly. This allows Radius to reach a wide range of clients and tailor solutions based on individual financial situations.

Radius offers a variety of mortgage products, including:

Standard (prime) mortgages for borrowers with strong credit
Alternative or “Alt-A” mortgages for self-employed individuals or those with non-traditional income
Specialized programs, such as options for new immigrants or buyers with smaller down payments

A key feature of Radius is its focus on flexibility and accessibility. It often serves borrowers who fall between traditional banks and private lenders—people who may not qualify under strict bank rules but still want competitive rates and structured financing.

The company is an approved lender with major mortgage insurers like the Canada Mortgage and Housing Corporation (CMHC) and Sagen. This allows it to offer insured mortgages, which lowers risk and enables more competitive pricing for qualified borrowers.

Unlike banks, Radius does not operate a branch-based deposit system. Instead, it focuses on mortgage lending as its primary business, funding loans through capital markets and institutional relationships. (This is typical of “monoline” lenders in Canada.)

Over time, Radius has funded billions of dollars in mortgages and built a reputation in the broker community for competitive products and strong service.

In simple terms:

Radius Financial acts as a specialized mortgage lender—it helps Canadians get home financing (especially when banks may be too rigid), works mainly through brokers, and focuses on flexible, real-world lending solutions rather than full-service banking.

Steve Sklenka, B.Sc.Eng.
RE/MAX House of Real Estate
4034 16 St SW
Calgary, AB, T2T 6T8
www.stevesklenkarealestate.com

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding t...
04/24/2026

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding the banks.

Today, we will examine 17th of the 20 top lenders, Community Trust Company.

5700 Yonge St., Suite 1900
Toronto, ON, M2M 4K2
Canada

Mortgages
For brokers: 1 (888) 649-1169
For customers: 1 (800) 268-1576
8:00 a.m. to 8:00 p.m. ET, Mon to Fri
–––
All other enquiries
1 (800) 268-1576
8:30 a.m. to 5:00 p.m. ET, Mon to Fri

What should you know about Community Trust Company?

Community Trust is a federally regulated trust company that offers a range of financial services to individuals, investors, and businesses across Canada. It has been operating since 1975 and is now part of Questrade Financial Group.

Its core business is mortgage lending, especially in the alternative (“B-lender”) space. This means it often works with borrowers who may not qualify with traditional banks—such as self-employed individuals, those with non-standard income, or people with credit challenges. It provides first and second mortgages, refinancing, and rental property loans, typically through mortgage brokers.

In addition to lending, Community Trust offers deposit and savings products, including high-interest savings accounts and Guaranteed Investment Certificates (GICs). These deposits are generally insured by the Canada Deposit Insurance Corporation (CDIC), making them a relatively secure way for individuals to save money.

Another important function is acting as a trustee for registered investment accounts, such as RRSPs, TFSAs, and RRIFs. In this role, the company holds and administers these accounts on behalf of clients or partner firms, ensuring they comply with Canadian tax and regulatory rules.

Community Trust is often described as a “flexible alternative” to traditional banks, focusing on customized solutions rather than rigid lending criteria. It is regulated by the Office of the Superintendent of Financial Institutions (OSFI), which oversees federally regulated financial institutions in Canada.

In simple terms:

Community Trust acts as a specialized lender and financial services provider—it helps people get mortgages who might not qualify at banks, offers secure savings products, and manages registered investment accounts. It fills the gap between major banks and borrowers or investors who need more flexible financial solutions.

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding t...
04/24/2026

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding the banks.

Today, we will examine 16th of the 20 top lenders, First National Financial Corporation

What should you know about First National Financial Corporation?

https://en.wikipedia.org/wiki/First_National_Financial_Corporation

New mortgage inquiries
If you have an opportunity that you would like to explore with First National or you would like to discuss your current portfolio to discover potential opportunities, please email us at:

[email protected]

Existing mortgage inquiries
If you are already working with First National and require assistance, you have several options for contacting us for immediate assistance.

Telephone
1.877.593.5474

Fax
1.877.432.3620

Email
[email protected]

Hours of operation
Monday – Friday 8:30 am to 6pm (EST)

First National Financial Corporation is a major Canadian non-bank mortgage lender that focuses on creating, funding, and managing mortgages, rather than operating like a traditional bank.

First National Financial Corporation is one of the largest non-bank mortgage companies in Canada. Its core business is to originate (create), underwrite (assess risk), and service (manage) residential and commercial mortgages.

The company works primarily through mortgage brokers, not directly with the public. This means brokers bring clients to First National, which then provides mortgage solutions tailored to those borrowers.

First National offers a wide range of mortgage products, including:

Residential mortgages (single-family homes and multi-unit properties)
Commercial mortgages (apartment buildings, real estate developments, etc.)
Options for both prime borrowers and those who may not meet traditional bank requirements (e.g., self-employed or credit challenges)

A key part of its business model is that it does not take deposits like a bank. Instead, it funds mortgages through institutional investors and securitization programs (selling pools of mortgages to investors). It often retains the servicing rights, meaning it continues to collect payments and manage the loan over time.

Because of this model, First National earns money through:

Mortgage origination fees
Interest spreads
Ongoing servicing income

The company manages a very large portfolio—over $150 billion in mortgages under administration—making it a major player in Canada’s housing finance system.

Unlike many alternative lenders, First National focuses heavily on prime-quality mortgages and long-term relationships with brokers and institutional partners. Its scale and specialization allow it to operate efficiently without the overhead of a traditional branch network.

In simple terms:

First National acts as a high-volume mortgage factory and manager—it creates mortgages, sells most of the risk to investors, and earns steady income by administering those loans over time.

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding t...
04/24/2026

Every Thursday starting on October 16, 2025 until March 5, 2026 we will examine 20 top lenders individually, excluding the banks.

Today, we will examine 15th of the 20 top lenders, MCAN Mortgage Corporation.

MCAN Home Service Department
P.O. Box 351 Station C
Kitchener, ON N2G 3Y9

Toll Free Phone: (Eng) (877) 775-2970
Toll Free Phone: (Fr) (866) 475-7777
Fax: (877) 593-7757
Email: [email protected]

Residential Client Renewals
Email: [email protected]

What should you know about MCAN Mortgage Corporation?

MCAN Mortgage Corporation (operating as MCAN Financial Group) is a Canadian mortgage lender and real estate investment company that primarily makes money by lending, investing, and distributing income to shareholders.

Here’s a clear summary (under 500 words):

MCAN is structured as a Mortgage Investment Corporation (MIC), meaning its main purpose is to generate income by investing in mortgages and real estate-related assets. It pools capital from investors and depositors, then deploys that money into residential mortgages, construction loans, and commercial real estate financing across Canada.

A key part of its business is residential mortgage lending, done through its subsidiary (MCAN Home). These mortgages are typically offered through mortgage brokers rather than directly to consumers, and can include both prime borrowers and those who don’t meet strict bank criteria.

Beyond home lending, MCAN also operates in construction and commercial financing, funding real estate developments and income-producing properties. In addition, it invests in mortgage funds, real estate investment trusts (REITs), and private real estate opportunities, giving it multiple income streams tied to the Canadian property market.

To fund its activities, MCAN raises capital in two main ways:

Investor capital (shareholders)
CDIC-insured term deposits, which it offers through brokers and direct channels

Because of its MIC structure, MCAN generally distributes most of its earnings to shareholders as dividends, rather than retaining profits. This makes it attractive to income-focused investors.

Overall, MCAN’s role in the financial system is to:

Provide mortgage financing outside traditional banks
Support real estate development and investment
Offer investors exposure to mortgage and real estate income

In simple terms, MCAN acts as a bridge between investors looking for yield and borrowers or developers needing real estate financing, operating as both a lender and an investment vehicle within Canada’s housing market.

Thinking about investing your money? Consider purchasing land. It's a time proven solid investment
01/30/2026

Thinking about investing your money? Consider purchasing land. It's a time proven solid investment

Address

5221/4th Street N. E
Calgary, AB
T2K6J5

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 10am - 5pm
Sunday 12pm - 3pm

Telephone

+14037033864

Website

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