About Richard Ferguson
Your trusted local mortgage expert in the Greater St. Albert area helping families achieve their homeownership dreams.
Professional Expertise You Can Trust
Richard Ferguson is a St. Albert mortgage broker with more than 30 years of combined corporate business and financial-services experience. He provides personalized guidance to clients navigating the mortgage process.
Richard is also a Rotary Club of St. Albert volunteer and a member of the St. Albert Chamber of Commerce.
With a deep understanding of the local real estate market and access to Canada's top lenders, Richard consistently helps clients secure the best Mortgage Solutions. His commitment to transparency, education, and client satisfaction has earned him the trust of hundreds of families across Canada.
I work with all mortgage clients but specialize in more complex mortgages including more premium mortgages above $800K, Mortgages for Professionals/CEO's, Self-Employed, Stated Income, Alt-A Lenders, B-Lenders, Private Lenders and Clients with Bruised Credit.
"I find and create solutions, not just a Mortgage Rate"
I became a mortgage broker to deliver real results for real people.
While some in this industry chase social media fame with luxury props and staged photos, I'm focused on what matters: securing the best mortgage solution for your unique situation. You'll find me working on your file with the same dedication whether I'm at my desk in St. Albert or problem-solving remotely from a coffee shop or somewhere in the Rockies.
My reputation is built on expertise, integrity, and outcomes.
I bring strategic thinking, access to 75+ lenders with a commitment to finding solutions that align with your financial goals.
If you're looking for honesty, integrity and a broker who prioritizes your success over self-promotion, let's connect. Welcome to mortgage service as it should be."
Credentials & Experience
Backed by industry certifications and years of proven success.
Licensed Mortgage Broker Alberta 12728, Mortgage Agent LVL 2, Ontario M19002892
Fully licensed in the province of Alberta under Broker 12728 and in Ontario as Mortgage Agent Level 2 M19002892
Expert Team Resources
Over 400+ team members across Canada for difficult file consultation and review across Canada, as well as support for clients who prefer to communicate in languages other than English.
Local Market Expert
Deep knowledge of St. Albert and Edmonton area real estate markets with trusted local Realtor referral partners to guide you to your new purchase from $100,000 to $5M+ as well as a great selection of trusted lawyers for purchase and/or refinancing transactions.
$2.5 Billion + in Team Mortgage Funding
One of Canada's largest teams with access to the top lenders and programs available. Our Team gets early access to new programs/special programs that smaller brokerages and banks may not have access to.
Top Lender Relationships
Dedicated Mortgage Underwriters meaning we do not have to wait inline behind submissions from other brokerages to have our files reviewed and or approved. This improves approval timelines.
Continuous Education
Committed to ongoing professional development and industry training
Why Choose Richard Ferguson, Mortgage-Architects?
Backed by industry certifications and years of proven success.
Personalized Service
Every client is unique. I take the time to understand your specific needs and goals, providing tailored solutions whether it's a $100,000 condo or a $3.5M executive estate property. Each requires personalized service.
Best Mortgage Solutions Available
With access to multiple lenders, I shop around to find you the best financial solution available. In some cases that doesn't always mean the lowest rate, but it is the best solution for what you need to accomplish.
Local Expertise
As a St. Albert resident, I understand the local market and community, providing valuable insights. I also work with experienced realtors that understand this market. I am also a Volunteer in this community and a member of the St. Albert Chamber of Commerce.
Transparent Process
No hidden fees or surprises. I explain every step of the mortgage process clearly. If there are fees involved, I am completely transparent and show you the fee structures and try to help guide you on the best solution with the lowest fees possible.
Fast Approval
Efficient processes mean quick approvals, so you can move forward with confidence.
I offer fully underwritten pre-approvals, which means reviewing your application and supporting documents upfront. This allows me to give you a more reliable qualification assessment before submitting your file to a lender.
Approval timelines vary by lender, file complexity, and document availability; however, complete files can often be reviewed quickly.
Ongoing Support
I am available throughout the mortgage process and beyond, answering questions and providing guidance. This support extends beyond typical banking hours and you do not need to book an appointment with me weeks out to get in touch. If things change suddenly in the middle of our process, we will pivot, alter course and find the best solution to adapt to your changing situation.
Ready to Explore Your Options?
Contact Richard Ferguson today to discuss your mortgage needs and find the perfect solution for your situation.
ST. ALBERT MORTGAGES
Richard Ferguson-Mortgage Broker
Mortgage Architects, Team Borle 12728
Richard Ferguson-Mortgage Broker
Mortgage Architects, Team Borle 12728
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Services
- First-Time Buyers
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- First-Time Buyers
- Refinancing
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Contact
- 1-825-995-5363
- richard.ferguson@mtgarc.ca
- 12 Hebert Rd, St Albert AB
- 1-825-995-5363
- richard.ferguson@mtgarc.ca
- 12 Hebert Rd, St Albert AB
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