We do most of the types of Real Estate Loans, here is some of them: First time buyers, FHA loans, refinancing, commercial loans, business loans, hard money loans, farm loans, rancher loans, small business loan, big business loans, no income verification loans**, hard to proof income.

Virtue Mortgage CalgaryHave been helping people since 1998 fulfilling their dreams in Calgary.

Repayment Mortgage

With a repayment mortgage you pay part interest and part capital repayments to the lender each month and in this way, the capital that you borrowed is reduced until the loan is repaid. Whatever your mortgage requirements.

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Interest Only Mortgage

With this type of product, your monthly repayments will only cover the interest element of the loan. You will typically set up another repayment vehicle e.g. an endowment or ISA to repay the capital element of the loan.

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Calgary Flexible Mortgages

More recent innovation, these give various benefits which usually include the ability to vary payments in line with your circumstances. They may also allow you to take “payment holidays” and to borrow back any overpayment you made.

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Mortgage Discounted Rate

A discounted rate gives you a reduction of, for example, 2% off the standard variable rate (SVR) for a specific period. So, during this period should the SVR rise and fall, you will still qualify for the discount and therefore pay a lower rate.

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Why You Should Choose UsWe are in Calgary Alberta and we are experts on the field of doing home loans and Real Estate Transactions, We do any credit, we have all types of loans, we can help you for your Residential or Commercial Mortgage.

 Hi just want to leave some customer feedback. I recently purchased my home and Virtue Mortgage was the reason why I bought it. Thank you, Virtue Mortgage.

Tyler Cage

Happy Customer


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We provide professional mortgage services in Calgary, Lethbridge,Kelowna, Fort-Mcmurray and Edmonton, including all of the cities listed below, contact us today for your no obligation quote or home loan consultation, not all mortgage providers are the same… we will work hard to get your business.

Meet The TeamAs local area experts with extensive knowledge of the local communities listed below, our objective is to work diligently and personally with you to assist you in meeting your mortgage and real estate goals.


Michael Dvorack

Realtor, Calgary Real EstateMichael Have been in the real estate market since 1971, his experience in the market speak for itself.

Samuel Forman

Mortgage Broker, Virtue MortgageOne of the most known mortgage broker in Calgary, he has been helping people around Alberta.

If you are considering buying or refinancing a home or would just like to have additional information about real estate in your area, please don’t hesitate to call or email our office.