Your broker.
Not the bank’s.
Expert, one-on-one guidance from Poupe Vongkhamchanh — helping Winnipeg and Manitoba homeowners secure the right financing for their budget and their goals.
not the bank
Five ways a broker works for you.
A mortgage broker is your direct link between borrowers and lenders across Winnipeg — matching your situation with the right loan, whether you’re buying your first bungalow, refinancing a rental, or renewing a mortgage coming due.
Prime & alternative lenders
We connect you with banks, credit unions, and mortgage companies to find competitive rates and flexible terms.
Fast prequalification
We assess your credit, down payment, and DTI so you can shop with a locked rate and bid with confidence.
Fixed & variable options
We compare fixed-rate, adjustable, and conventional mortgages so you borrow on terms that fit your goals.
High-ratio & insured expertise
We arrange mortgage default insurance through CMHC, Sagen, and Canada Guaranty when your down payment is under 20%.
Stress-tested approvals
We qualify your application against current federal lending rules — protecting you from future default risk.
Licensed expertise.
Honest counsel.
Poupe Vongkhamchanh is a Mortgage Agent with CENTUM Financial Services LP (AFC), originating, processing, and helping fund mortgages for buyers, homeowners, and investors throughout Winnipeg and Manitoba.
We work for you, not the bank
We negotiate with multiple lending institutions to secure the rate and structure that serves your interests.
Every application reviewed with care
Your credit score, your LTV and DTI, and a rate you can hold while you shop — so you bid with confidence.
Paperwork handled start to finish
We coordinate appraisers, underwriters, and your lawyer to close on schedule — no surprises at settlement.
We service your file after funding
Every rate, premium, and commission disclosed upfront. We stay on after the loan funds, not just before.
Signs it’s time for a broker.
Lenders pay our commission when your loan funds, so there’s typically no added cost to you — and because we shop your file across multiple lenders, we can often beat your bank’s posted offer. Here are five clear signs it’s time to bring one in.
Your bank declined your application
A single lender rejection doesn’t end your plans. We have access to alternative and subprime lenders who work with thin credit or self-employed income — and we can reposition your file to qualify.
You’re self-employed or variable income
Conventional underwriters often struggle with irregular earnings. We match you with lenders who understand contractor and business income, structuring a mortgage around your actual cash flow.
Your mortgage renewal is approaching
Renewing at your lender’s posted rate costs you money. We shop the market, negotiate a lower rate, and can transfer your mortgage — and may consolidate high-interest debt into the new loan.
You want to buy but don’t know your budget
House hunting without a preapproval wastes time and weakens your offer. We prequalify you, calculate your maximum purchase price, and lock a rate so agents take your offer seriously.
Your property is underwater or facing default
A distressed or upside-down mortgage needs urgent attention before foreclosure begins. We assess refinancing options, arrange secured products, and negotiate to help keep you in your home.
Not sure which one is you?
We read the local market and find funding when direct applications fail. Let’s figure out your options together.
Six steps, hello to keys.
And we stay on as your mortgage specialist after funding — tracking your renewal date and monitoring rates for future opportunities.
Consultation
We meet to discuss your goals — buying, refinancing, or renewing — and gather income details, down payment, and property type.
Credit & qualification review
We pull your credit score, calculate your DTI and LTV, and run stress-test scenarios to confirm which lenders will approve you.
Preapproval
We prequalify and preapprove you at a held rate, so you can shop for your house, condo, or townhouse knowing your exact budget.
Lender matching & application
We submit your file to the lender offering the best fit and negotiate rate, term, and amortization on your behalf.
Underwriting & appraisal
We coordinate the appraisal, satisfy underwriter conditions, and arrange mortgage default insurance if your down payment requires it.
Closing & funding
We work with your lawyer and the land registry to transfer title and disburse funds — so you close on schedule and take occupancy on day of possession.
Lenders we work with.
We connect you with trusted lenders and insurers across the Canadian market — placing your mortgage only with licensed, bonded lenders, and verifying every rate and term before you sign.
What Winnipeg clients say.
“Amazing to work with! Very knowledgeable and professional! She made the stress of buying a home so much easier than I expected. Highly, highly recommended.”
“It was an absolute delight from the very beginning. Her proactive approach and willingness to assist made the entire process remarkably smooth and efficient. Her exceptional service, deep expertise, and personal dedication truly set her apart.”
“Super quick response time and went the extra mile when we needed it.”
“She made first-time home buying a breeze.”
Frequently asked questions.
Still wondering about something? A quick, no-pressure call clears it up fastest.
A mortgage broker is a licensed professional who connects borrowers with lenders. We compare rates from banks, credit unions, and mortgage companies, then negotiate the loan that fits your budget and goals.
Use a broker when you’re buying a home, renewing a mortgage, refinancing, or facing a bank rejection. We help self-employed borrowers, first-time buyers, and investors who need alternative lending options.
A bank offers one set of products. We shop dozens of lenders to find lower rates and flexible terms, negotiating on your behalf and disclosing every fee.
They’re closely related. A mortgage agent is licensed to arrange mortgages on behalf of a brokerage, while a broker license allows a broader scope including supervising agents. Poupe Vongkhamchanh is a licensed Mortgage Agent with CENTUM Financial Services LP (AFC), providing the same lender access, rate shopping, and one-on-one guidance described throughout this page.
Lenders pay us a commission when your loan funds. For most residential mortgages, this means our service costs you nothing directly. In some cases — such as certain private or alternative lending arrangements — a direct fee may apply; if so, we disclose the exact amount in writing before you commit to anything.
Yes. We have access to alternative and subprime lenders who work with lower credit scores or past credit challenges, and we structure your file to qualify and rebuild your standing.
Yes. We refinance your existing mortgage to secure a lower rate, consolidate debt, or access your home equity through a HELOC or second mortgage, negotiating new terms with the right lender for your situation.
Let’s line up your financing.
Book your free, no-obligation consultation today — get pre-approved online in minutes, or grab a friendly call. Every rate and fee disclosed upfront.