I’m Rima Zino, founder of Rima Zino Mortgages Inc. and a dedicated mortgage strategist serving homeowners, landlords, and investors across Greater Vancouver, Surrey, Delta, Richmond, Tri-City, Burnaby, Langley, Abbotsford, Chilliwack, and the Fraser Valley. With more than 30 years of commercial negotiation and sourcing experience, I bring proven expertise and determination to create financial solutions — even for the most complicated scenarios. My mission is to help clients unlock financial freedom without increasing monthly expenses.

Cash Flow and Refinancing Solutions

At Rima Zino Mortgages Inc., I specialize in strategies that improve cash flow, reduce debt, and maximize long-term wealth.

  • Advanced Refinancing Strategies – Unlock your home equity to pay off debt faster and create new investment opportunities.

  • Debt Consolidation Mortgages – Combine multiple high-interest payments into one manageable solution, freeing up monthly cash flow.

  • Cash Damming Strategies – Convert non-deductible mortgage interest into tax-deductible investment expenses. As a result, clients often receive annual CRA refunds while paying down debt more efficiently.

  • Smith Manoeuvre Implementation – Pay off your principal residence sooner while simultaneously building long-term, tax-efficient wealth.

Whether you’re a first-time buyer, a self-employed entrepreneur, or a seasoned real estate investor, I design mortgage solutions that align with your financial goals — not the bank’s.

Reverse Mortgage Options in Vancouver & Fraser Valley

For homeowners aged 55 and older, I offer reverse mortgage solutions that allow you to unlock home equity without monthly payments. This flexible financial tool enables retirees to:

  • Supplement retirement income

  • Pay off outstanding debts

  • Cover lifestyle or healthcare expenses

  • Remain in the home they love without downsizing

In short, reverse mortgages provide the freedom to enjoy retirement with peace of mind while keeping ownership of your home.

My Approach to Mortgage Planning

Many people see mortgages as only about the rate. However, I believe the real power is in the structure of your mortgage. With the right planning, a mortgage can:

✅ Put thousands back in your pocket every year through tax refunds
✅ Improve monthly cash flow and reduce financial stress
✅ Shorten the timeline to pay off debt
✅ Build sustainable retirement wealth

Therefore, I don’t just secure you a mortgage — I create a financial plan that allows you to live better today while building wealth for tomorrow.

My Mission as a Mortgage Broker in Vancouver & Fraser Valley

My mission is clear:

➡️ Help families and investors restructure their mortgages for maximum benefit
➡️ Show clients how to reduce taxes, eliminate debt faster, and free up cash flow
➡️ Empower homeowners to retire earlier and with more financial freedom

In addition, I collaborate with realtors, accountants, and financial advisors to provide tax-smart mortgage planning strategies that extend far beyond rate-shopping.

Education, Community, and Financial Literacy

Outside of work, I treasure time with my granddaughter Lilah. Furthermore, I am passionate about financial education and community. I regularly host workshops, create content, and collaborate with industry professionals to share strategies that most Canadians are never taught.

Ultimately, I believe that financial literacy changes lives. My goal is to empower as many homeowners and investors as possible to break free from debt, improve cash flow, and create lasting wealth.

📞 Phone: 604-725-4960
📧 Email: rz@rimazino.com
🌐 Website: rimazino.com
🔗 LinkedIn: Connect with me

Instagram @rima_zino_mortgages