York Region mortgage team

Looking for a mortgage broker in Stouffville?

Stouffville offers a small-town feel with York Region convenience. Whether you are a first-time buyer attracted to the newer builds, a family renewing in the historic downtown area, or refinancing on an acreage property - we compare 30+ lenders in one application to find the best rate for your situation.

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164 five-star Google reviews

164

Google reviews

5.0

Star rating

30+

Lenders

Broker fee

The Stouffville housing market

The median detached home in Stouffville is approximately $1,150,000 in 2026. The town attracts families looking for newer homes, larger lots, and a quieter pace than the rest of York Region. Main Street retains its small-town character. New developments have expanded the town significantly over the past decade, and GO Train access connects residents to Union Station.

We also serve nearby

Markham Newmarket AuroraUxbridgeRichmond Hill

Why use a mortgage broker in Stouffville?

A mortgage broker is a licensed professional who shops multiple lenders on your behalf. Instead of going to one bank and accepting their offer, a broker compares rates and terms from 30+ lenders in a single application. The lender pays the broker, so there is no cost to you.

In Stouffville, where property values and mortgage amounts are significant, even a small rate difference translates to thousands of dollars in savings over a 5-year term. A broker also negotiates terms like prepayment privileges, portability, and penalty structures that matter when your life changes.

Jeff and Emily Mudrick are licensed mortgage agents with BRX Mortgage Inc. (Lic# 13463), serving Stouffville and all of York Region. With 164 five-star Google reviews and access to every major lender in Canada, they handle everything from first-time purchases to complex refinances and investment properties.

What we help with in Stouffville

Every situation is different. Here is what we see most often.

Buying a Home

First-time or experienced buyer, we walk you through the stress test, down payment options, CMHC insurance, and closing costs. Then we find the rate and lender that fits your situation.

Mortgage Renewal

Your bank sends a renewal letter and hopes you sign it without shopping around. You can switch lenders at renewal with zero penalty. We compare the full market so you know exactly what you are leaving on the table.

Refinancing

Pulling equity for renovations, consolidating debt, or restructuring your mortgage to save money. We calculate the penalty, compare the options, and make sure the numbers actually work before you commit.

Investment Properties

Rental properties have different qualification rules, down payment requirements, and rate options. We know which lenders are investor-friendly and how to structure applications to maximize your buying power.

Healthcare Professionals

Physicians, dentists, residents, and nurses have unique financial situations. Student debt, income that jumps between career stages, and offer letters instead of T4s. We work with lenders who understand all of it.

Self-Employed

Business owners, freelancers, and commission earners face tighter scrutiny from traditional lenders. We know which lenders accept business financials, stated income, or alternative documentation to get you approved.

How it works

Three steps. No paperwork surprises.

Book a free call

Tell us about your situation - buying, renewing, refinancing, or just exploring your options in Stouffville. We will ask the right questions and give you a clear picture of what is possible. No commitment, no pressure.

We shop 30+ lenders

We compare rates, terms, and qualification criteria across the entire market. We handle all the applications, paperwork, and lender communication. You get a clear recommendation with the numbers behind it.

You close with confidence

We walk you through every document before you sign. No surprises at the lawyer. Jeff and Emily send personalized video walkthroughs for every milestone, and stay available by phone or email throughout the process and beyond.

Mortgage questions in Stouffville

If your question is not here, book a call - we answer everything.

A mortgage broker in Stouffville costs $0. Brokers are paid by the lender at closing. You receive the same or better rate than going to a bank directly. There is no fee for using a licensed broker for any mortgage transaction in Stouffville.

The median detached home in Stouffville is approximately $1,150,000 in 2026. Townhomes range from $750,000 to $900,000. Stouffville newer builds command a premium, while older homes closer to Main Street offer character and walkability at slightly lower price points.

Yes. Properties on larger lots or outside town limits sometimes require different lender qualification criteria. A broker knows which of the 30+ available lenders are comfortable with rural or acreage properties, well water, septic systems, and hobby farm classifications.

No. On a $1,150,000 Stouffville home, the minimum down payment is $90,000 (5% on the first $500,000 and 10% on the remaining $650,000) with CMHC insurance. Many Stouffville buyers put 20% ($230,000) down to avoid the insurance premium.

Stouffville offers a small-town atmosphere within York Region, GO Train access to downtown Toronto, strong schools, and a growing community. The town has seen steady price appreciation. Buyers value the larger lot sizes and newer homes that are harder to find in Markham or Richmond Hill.

Ready to talk?

Book a free call with Jeff or Emily. No commitment, no sales pitch - just honest answers about your Stouffville mortgage.

Book a Call

Or email us at jeff@mudrickmortgages.com

Mortgage broker in nearby cities

Markham Newmarket Aurora Richmond Hill

Jeff and Emily Mudrick are licensed mortgage agents with BRX Mortgage, Lic#13463.