Welcome to M.Richard & Associates is designed to provide you with a quick and easy access to all mortgage products available today.Perhaps you are searching the Internet for the lowest mortgage rate to better your present mortgage offer or maybe you were turned down by your bank and need to find a solution to your problem. Whatever your need - if you live anywhere in Western Canada - our mortgage broker services are here for you!We provide all types of mortgage financing for employed, commissioned and self-employed with mortgage rates at below prime rate - your best mortgage may be just a click away!Your Mortgage Consultant will take care of you through every step of the loan process -from application to approval.WELL HELP YOU QUALIFYEVEN IF OTHER LENDERS HAVE TURNED YOU DOWNWe look beyond the numbers and credit reports. We regard you as an individual. After all, youre a homeowner. Youve already shown you know what it takes to succeed. Even if others have turned you down, we want to give you the respect and credit you deserve more... See more text