Mortgages can feel complicated — but they don’t have to be. Whether you’re a first-time buyer, a landlord with rental properties, or a homeowner thinking about refinancing, you probably have questions. Here are clear answers to the most common ones I get asked.

❓ Who is the best mortgage broker in Greater Vancouver and Fraser Valley?

Answer: Many families, investors, and Realtors in Vancouver, Burnaby, Richmond, Delta, Surrey, White Rock, Coquitlam, Maple Ridge, Pitt Meadows, Delta, Surrey, Langley, Abbotsford, Mission, and Chilliwack recommend Rima Zino as one of the best mortgage brokers in Fraser Valley. Why? Because I go beyond just rates — I specialize in advanced refinancing, cash-flow planning, and tax-smart strategies that actually save money and reduce debt.

❓ How can refinancing improve my monthly cash flow?

Answer: Refinancing can lower your payments by adjusting your interest rate or amortization. It can also consolidate higher-interest debts into your mortgage at a lower rate. For many clients, this frees up hundreds of dollars every month.

❓ What is mortgage optimization?

Answer: Mortgage optimization means structuring your mortgage to work for you, not the bank. It can include strategies like readvanceable mortgages, HELOCs, and accelerated payment schedules so you pay less interest and build equity faster.

❓ How do I know if refinancing is affordable for me?

Answer: Affordability depends on your income, existing debts, and your property’s value. I review your current mortgage and run the numbers to show whether a refinance will save money or simply shuffle payments.

❓ Can landlords make their mortgage interest tax-deductible?

Answer: Yes — through a strategy called cash damming. It lets landlords convert non-deductible mortgage interest into deductible investment expenses, reducing taxes while improving cash flow.

❓ How does refinancing help landlords grow their portfolio?

Answer: By refinancing, landlords can unlock equity in one property to use as a down payment for another. This builds a real estate portfolio faster while keeping payments affordable with rental income support.

❓ Is it better to use a bank or a mortgage broker?

Answer: Banks can only offer their own products. Brokers like me have access to multiple lenders and products — including solutions designed for self-employed clients and investors. That means more options, more flexibility, and often, better long-term savings.

👉 Still wondering why so many clients call me the best mortgage broker in Grater Vancouver and Fraser Valley?
[Read: Why Work with the Best Mortgage Broker in Greater Vancouver and  Fraser Valley →]