Expert Mortgage Solutions & Services

Whether you’re buying your very first home or upgrading to your forever one, Katherine Resendes.

Your Mortgage Expert in Quebec

Whether you’re buying your very first home or upgrading to your forever one, Katherine Resendes, Mortgage Broker with Orbis Group, is here to make it simple. With deep knowledge of Quebec’s mortgage market and lending regulations, Katherine helps clients navigate every step with clarity and confidence. From pre-approval to closing, she ensures you get the best possible rate and a mortgage plan that truly fits your life.

Find the Right Mortgage for YOU!


Katherine Resendes

Mortgage broker

Your Mortgage Expert in Quebec

Personalized Guidance for Every Buyer

Every homeowner’s story is different — and your mortgage should reflect that. Katherine works closely with you to understand your needs, budget, and long-term goals, tailoring solutions that make sense today and tomorrow. Whether you’re:

  1. A first-time buyer looking for the right start in Quebec’s housing market

  2. A current homeowner ready to refinance or invest in your next property

  3. Or simply exploring your options for better rates and flexibility

You’ll benefit from access to top lenders, competitive offers, and honest, transparent advice every step of the way.

About Katherine

With over 10 years of mortgage underwriting experience and 5 years in management roles across various lenders, Katherine is well-equipped to handle complex files and tight timelines. She combines strong problem-solving skills with a focus on clear communication and great customer service.

Language(s) Spoken: French, English, and Portuguese

Frequently Asked Questions

Why chose a mortgage broker over your local bank?
A mortgage broker has access to most banks, plus virtual lender, alternative lenders and private lenders. They can shop around to find you the best rate and product for your needs. If you do not qualify with your home bank, a broker has access to more flexible lending solutions.
The majority of the time, no. The banks and lenders are the ones who pay the broker a commission. Private lenders do not pay the broker a commission, therefore the broker will charge the client a set fee. The fee is agreed upon before processing the loan.
Absolutely. A mortgage broker has access to different lenders that offer different solutions for clients that would not typically qualify with a traditional bank.
That depends on your situation. If you have high interest loans or credit card balances, yes it may be a good idea to consolidate your debts. If you are wanting to do some renovations on your home and do not want to pull out your investments or use high interest loans to fund your project, refinancing could be a solution. It is best to discuss with your mortgage broker to see if the cost versus benefit would be worth it.
Your affordability depends on your income, down payment, debts, and current interest rates. A mortgage broker can pre-qualify you to determine a comfortable purchase price that aligns with both your budget and long-term goals.

A fixed rate mortgage offers stability — your rate and payments stay the same throughout your term. A variable rate mortgage can change with the lender’s prime rate, which could save you money when rates are low but may fluctuate if rates rise.

Most homebuyers need at least 5% down for homes under $500,000. For homes over $500,000, you’ll need 5% on the first $500,000 and 10% on the remaining amount. Properties over $1 million require at least 20% down.

You’ll usually need:

  1. Proof of income (pay stubs, T4s, or tax returns)

  2. Employment verification

  3. Government-issued ID

  4. A list of assets and debts

  5. Details about the property you’re buying or refinancing

Your broker will guide you through each step and ensure nothing is missed.

Once all documents are provided, approvals can take anywhere from 24 hours to a few business days, depending on the lender and your application. Working with a broker often speeds things up since they know exactly what each lender needs.

Many lenders allow extra payments or lump-sum prepayments each year (usually 10–20% of the original amount). However, paying off your mortgage in full before your term ends could trigger penalties — your broker can help you review your options and choose a more flexible mortgage if that’s your goal.

Let’s Get You Home

Get Started Today

Buying or refinancing in Quebec doesn’t have to be complicated, not when you have a trusted professional in your corner. Katherine’s mission is to help you make informed, confident decisions that set you up for long-term success.

Explore your mortgage options with Katherine Resendes and Orbis Group, your local partners in making homeownership dreams a reality.