Build­ing bridges to own­er­ship

The Hamilton Spectator - - BUSINESS -

Name: Me­gan Carey Age: 29 Po­si­tion: Mort­gage bro­ker Job de­scrip­tion: I meet with clients to dis­cuss what type of fi­nanc­ing they’re look­ing for based on their sit­u­a­tion.

How did you come to be in this job? I’ve al­ways wanted to be in the mort­gage busi­ness. My mother, Mary Carey, is the bro­ker/ owner of Per­sonal Choice Mort­gage Ser­vices. While study­ing busi­ness at Mo­hawk Col­lege, I was of­fered an ad­min­is­tra­tive job at Per­sonal Choice. This al­lowed me to learn ev­ery as­pect of the com­pany. Af­ter grad­u­at­ing, I got my mort­gage agent li­cence and then my mort­gage bro­ker li­cence.

What gets you up in the morn­ing? Each day in the mort­gage busi­ness is dif­fer­ent from the last, and no two clients are the same. I love be­ing able to work with peo­ple on a one-on-one ba­sis to help them get the best deal pos­si­ble.

Be­ing able to help oth­ers who are fi­nan­cially strug­gling or un­able to get ap­proved from their bank is a very re­ward­ing feel­ing. To think that some­one has put com­plete trust in me for the most im­por­tant pur­chase of his or her life is very sat­is­fy­ing.

Lessons learned? When I first started in this busi­ness, one of the chal­lenges I had to over­come was my age. Clients would of­ten ask me how old I was and seemed re­luc­tant to work with me at first. Af­ter all, buy­ing a home is the big­gest pur­chase you’ll make in your life, and you want to make sure that you’re in the best hands pos­si­ble.

I quickly learned that I had to be con­fi­dent in my abil­i­ties, and as long as I proved that I was knowl­edge­able in my field, no one seemed to care about my age.

Roots: I was born and raised in Hamil­ton. I re­cently moved to Dun­das, which was a big change for me, even though it’s tech­ni­cally still Hamil­ton, be­cause I’ve al­ways been min­utes away from my of­fice and the place I grew up.

Con­tacts: me­gan@pc­mort­; www.pc­mort­;­son­al­choice­mort­gages

Groups and as­so­ci­a­tions: Mort­gage Pro­fes­sion­als Canada, Verico Fi­nan­cial, Crossfit Odeon

Favourite place in the down­town:

Def­i­nitely Capri Ris­torante Ital­iano! I love that Hamil­ton (es­pe­cially down­town) has ex­pe­ri­enced a re­vi­tal­iza­tion of late, but it’s also great to still see older es­tab­lish­ments with lots of his­tory. Part of what makes this city so great is the com­bi­na­tion of old and new.

What would make Hamil­ton a bet­ter city? I think Hamil­ton is great as it is, and I want to make sure that peo­ple can con­tinue to en­joy ev­ery­thing it has to of­fer. One way we can en­cour­age this is by re­vis­it­ing pro­grams like Home­own­er­ship Down Pay­ment As­sis­tance, which was great for peo­ple who want to live in the Hamil­ton area but are in need of fi­nan­cial as­sis­tance in or­der to do so, in par­tic­u­lar dur­ing this pe­riod of in­creased prop­erty val­ues and strict gov­ern­ment reg­u­la­tions.

What’s next for you? To con­tinue to have more in­volve­ment with the com­pany, and one day be­come its prin­ci­pal bro­ker.

If you know a Hamil­ton Pro­fes­sional who would make a good can­di­date for this pro­file se­ries, send an email to shen­der­son@thes­


Me­gan Carey, 29, is a mort­gage bro­ker at Per­sonal Choice Mort­gage Ser­vices Inc.

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