Your Mortgage Source Advisors

Alex Kotai, President & Senior Mortgage Advisor Residential & Commercial

Alex Kotai has worked in the mortgage lending business for over 10 years. His career started at HSBC Bank Canada where he spent most of his time in senior management roles which involved training and managing the sales staff at his branch. After leaving HSBC, Alex decided to open his own mortgage brokerage firm, Your Mortgage Source. Through his company, Alex has access to many lenders across the country with a very expansive list of products.

Alex has lived in the community of Abbotsford for over 14 years and has an in-depth knowledge of the local real estate market. He has contacts in all fields of the market including lawyers, notaries, real estate agents and home inspectors. This means you have access to all of the resources available to draw upon for your mortgage and housing needs. In addition to his experience in the mortgage business, Alex has a wealth of knowledge obtained through his educational background. This includes his Bachelor of Business Administration Degree, Personal Financial Planning Designation through the Institute of Canadian Bankers and membership in the Canadian Association of Accredited Mortgage Professionals.

Alex is truly committed to providing first class customer service and finding the right mortgage for his clients in Abbotsford, Chilliwack, the Fraser Valley and Canada wide. Alex believes in providing great advice and will look at every means possible to get clients the mortgage they need. He truly enjoys working with people and this is evident in the service he provides each and every day.

Harp Dalair, Mortgage Advisor Residential & Commercial

Harp Dalair has been with YMS since 2009 and is a proud member of the Canadian Association of Accredited Mortgage Professionals. Harp also has a strong background with experience in the Investment Industry, Business Management, and Consultation.

As a Mortgage Advisor with YMS, Harp provides his clients with a wide range of individually tailored mortgage products from many lenders. Having lived in the Abbotsford area for over 26 years, Harp has established contacts in the financial and real estate industries including real estate brokers, notaries, lawyers, and home inspectors. Through his various contacts, Harp can refer his clients to many of the service providers necessary for their mortgage and housing needs. Harp thrives on the ability to fund even the "impossible" mortgage deals. He is continually looking for new ways and ideas to allow his clients to reach their financial goals. If there is a way to make your mortgage work, Harp will find it!

As a part of the YMS team, Harp is committed to providing unparalleled customer service and finding the right mortgage for you whether you live in Abbotsford, Chilliwack, the Fraser Valley, or anywhere across Canada.

Dave Richardson, Mortgage Advisor Residential & Commercial

Dave Richardson is a mortgage advisor in both residential and commercial lending with a mission to provide you with competitive rates delivered in a timely fashion together with outstanding customer service.

Dave is a respected community business leader with over 20 years as owner/operator in the manufacturing industry in the Fraser Valley. Dave has worked and lived in the Abbotsford area for 25 years and possesses a solid knowledge of the local real estate market. With Dave’s established contacts in the financial and real estate industries including notaries, lawyers and home inspectors, you have access to a full range of resources available to draw upon for your mortgage needs.

For all your mortgage needs please call Dave.

Marilyn Madden, Mortgage Advisor Residential & Commercial

Marilyn Madden is a mortgage advisor in both residential and commercial lending with a mission to provide you with competitive rates delivered in a timely fashion together with outstanding customer service.

Marilyn is an award winning sales professional with a 22 year background in the banking and credit card industry. Marilyn lives in the Langley area and is an active board member of several charitable organizations specifically geared to assisting women with barriers to employment with their re-entry into the workplace. Marilyn’s contacts within the real estate industry, including lenders and lawyers, enable her to assist her clients in obtaining many of the services necessary for their mortgage and housing needs.

For all your mortgage needs, please call Marilyn.

Steve Lucas, Mortgage Advisor Residential & Commercial

Steve Lucas is a proud member of the Canadian Association of Accredited Mortgage Professionals.

He has spent the last 5 years in the automotive industry where he has built a large network of professional contacts in a wide variety of industries such as Lawyers, Notaries, Contractors, and a number of Real estate agents throughout the lower mainland. In dealing with Steve you will have access to the in-depth knowledge of the markets that these professionals provide.

Whether you may be purchasing, refinancing, or renewing your mortgage locally or even Canada wide, Steve understands how important customer service is in our busy and technical lives. He promises to makes every client his top priority making sure he saves them time and most of all money. Steve aims to ensure every client feels that they have made the best financial decision with knowledge, dedication, and integrity.

Steve can be contacted day or night and would be pleased to meet with you at your convenice to discuss the right financial options that best suit your lifestyle.

Courtney Kepner, Mortgage Advisor Residential & Commercial

Courtney Kepner is a graduate of the UBC Sauder School of Business Mortgage Broker Division and joined the mortgage industry in 2010. She is a proud member of the Canadian Association of Accredited Mortgage Professionals. Prior to joining the team at Your Mortgage Source, Courtney had 6 years of experience working in the health care industry, and she also has an education in Visual Arts from The University of the Fraser Valley.

Courtney has lived in Chilliwack, Abbotsford and currently resides in Richmond B.C. She has a great appreciation for the Lower Mainland and Greater Vancouver. She is available for all areas including and beyond these regions. She has many contacts with Realtors from a variety of cities as well.

Courtney has always had an interest in the real estate industry and is looking forward to helping you achieve your home buying goals, refinancing needs, and ongoing support that is required when making important decisions related to your mortgage. Courtney is dedicated to working for you and is available anytime of the day or night, 7 days a week.

Rick Warren, Mortgage Advisor Residential & Commercial

Rick Warren has been helping clients achieve their financial goals for over 40 years, firstly as a banker, then as a finance and lease professional within the automotive sector and most recently, since 2006, as a mortgage professional. Throughout his career Rick has strived to provide honest, reliable customer service and an excellent client experience at every opportunity…and he has brought these qualities with him into the mortgage brokerage profession. The skills and attributes that made him a successful banker and finance/lease professional enable Rick to see through the challenges in today’s marketplace and find a way to help clients purchase their new home, refinance their existing property or purchase a second home or revenue property. Rick has also worked in the commercial lending area and has financing sources available to him, should you need assistance in that area.

Rick started his banking career in the late ‘60’s with CIBC in Victoria and moved over to the Bank of British Columbia (now HSBC Bank Canada) in 1978. In the late ‘80’s Rick decided to change hats, and started working in the automotive sector as a Finance/Lease Professional. He worked for a number of dealerships during his time in that industry before moving on to become a licensed Mortgage Professional in 2006. Rick is a member of both the Mortgage Broker Association of British Columbia and the Canadian Association of Accredited Mortgage Professionals.

Rick’s home and office are located in Chilliwack…he has lived and worked in the Abbotsford/Chilliwack area since 1989. Rick’s client base is not restricted to the Fraser Valley…he has helped families in the Greater Vancouver area, on the Sunshine Coast and Vancouver Island, and in the Interior. Feel free to call or email Rick at any time, day or night…

Raman Sidhu, Mortgage Advisor Residential & Commercial

Raman Sidhu began her career at Envision Financial where she spent most of her time as a senior account manager. This position involved a wide scale of mortgage lending. After 11 successful years with Envision, Raman decided to part ways to focus on mortgage lending.

Being a resident of Abbotsford for 30 years, Raman has developed a broad knowledge of the Lower Mainland market. She has developed an extensive client base in all fields of the market including lawyers, notaries, real estate agents and home inspectors. With access to these resources, Raman will make sure your mortgage and housing transactions are successful.

Raman has a creative approach and is persistently looking for new ideas to ensure the financial goals of her clients are met. Whether you may be purchasing, refinancing, or renewing your mortgage, Raman will make sure your needs are accommodated. Every client is her top priority and her main goals are to save you time and most importantly money.

Krishna Mulder, Mortgage Advisor Residential & Commercial

Krishna Mulder is an entrepreneur, philanthropist and dedicated mortgage professional. Although he has always called Canada home, growing up abroad in such countries as India, Mauritius, South Africa, and several others, has given him a unique understanding of the challenges faced by Canada's new immigrants.

Krishna is a regular volunteer with local charities and prides himself on having been a key member of the Food For Life Global (www.ffl.org) disaster response team. After Haiti's devastating earthquake of January 12th 2010, Krishna spent 2 months cooking and delivering over 100,000 plates of free cooked meals to Port-au-Prince's devastated earthquake survivors.

His years of experience as an entrepreneur and leader in the operational side of the banking industry (with customers such as The Royal Canadian Mint, Telus, Brinks etc.) has given him a creative approach to financing. Krishna is available to meet with you at any time, including evenings and weekends. He prides himself on delivering more than just the best rate, but the best advice in meeting your personal and commercial financing needs.

When it comes to choosing a mortgage advisor, integrity, knowledge, creativity and dedication are what you want in a mortgage advisor. Krishna imbibes these qualities. He will help you save your money. Contact him today for a free no commitment consultation.

Clay Delorme, Mortgage Advisor Residential & Commercial

Clay Delorme is a graduate of the Sauder School of Business at UBC. He brings a wealth of professional knowledge to the table in the mortgage and real estate industry including: Residential experience (luxury, acreage, new construction, strata, fee-simple, foreclosures, rentals, vacation, and manufactured) as well as Commercial experience (strata, lease, multi-unit rentals, bare-land and land assembly). Take this knowledge and experience and mix it with Clay's client-centered approach to create a recipe for happy clients that have the best financing scenario to meet their needs.

Clay strives to provide you and your family with the best level of service available. As your mortgage advisor he is looking out for your best interests and is able to obtain the best mortgage rates and products to suit your needs. Call Clay today for a FREE consultation.

Paul Carman, Mortgage Advisor Residential & Commercial

Paul Carman began his career as a mortgage advisor in 2010 and is a proud member of the Canadian Association of Accredited Mortgage Professionals, working towards earning his AMP designation. Paul’s understanding of investment financing stems from personal involvement in the industry. Purchasing two multifamily properties in 2007 provided him with a valuable education in the areas of real estate investing and financing. It was largely this experience, and the glimpse it provided him of the possibilities for helping others achieve similar results, that would eventually lead him to a career in mortgages.

Situated in Abbotsford, British Columbia, Paul’s focus is on providing the best advice to help the people of the Fraser Valley save money while meeting their mortgage and investment mortgage needs. He looks forward to earning your trust by providing exceptional service throughout the lifetime of your mortgage. He is a member of the Canadian Association of Accredited Mortgage Professionals (CAAMP).

Paul learned about the housing industry from the inside out. Over the 6 years Paul spent in construction he had the opportunity to work as a Framer, an Exterior Finisher, a Formwork Carpenter, and a Finishing Carpenter. He achieved his Red Seal Trade Qualification in Carpentry, and still enjoys getting his hands dirty! Paul truly is your Mortgage Builder!

Born and raised in the prairies of Alberta, Paul came to British Columbia after spending a year teaching English in Korea. Prior to that Paul earned his Bachelor of Arts, having spent the first of the four years at college completing a Certificate in Wilderness Leadership. Paul loves the outdoors and enjoys sharing this passion with his wife and three young children.

Janet Horie, Mortgage Advisor Residential & Commercial

After 18 years of working behind the scenes in Industrial and Financial Sales, Janet Horie is delighted to be working directly with clients again. This is where she feels she can use her skills, knowledge and persistence to help home owners, home buyers and commercial property investors save time, money, and find the perfect financing product to meet their varying needs. In addition to her back-office experience, Janet is a 2010 graduate of the UBC Sauder School of Business's Mortgage Broker program, and is an active member of the Canadian Association of Accredited Mortgage Professionals.

It's been said that British Columbia is one of the most beautiful places in the world, and Janet agrees we are all fortunate to live here. She has been a life-long resident of Vancouver, and currently splits her time between the busy, urban West End in downtown Vancouver, and the more relaxing Tsawwassen in South Delta. But no matter where you live, in the Lower Mainland or beyond, please feel free to contact Janet and let her help you with any of your mortgage or financing needs.

To contact our team, please visit the Contact Us page.