I'm Greg Horvath
Your Mortgage Broker South Surrey
Licensed. Local. Specialized in Alternative and Private Lending.
When you’re looking for a mortgage broker South Surrey who actually specializes in the scenarios traditional banks turn down — alternative lending, private mortgages, reverse mortgages, and debt consolidation — you’ve found the right place. I’m Greg Horvath, owner of First Class Mortgage Services, and I’ve built my practice around being the mortgage broker South Surrey homeowners call when they need more than just a rate quote.
striving for excellence
I’m proud to be recognized by people in my community as one of the best mortgage service providers in the Surrey and White Rock area. More than 26,000 individual votes were cast on over 148 different categories, recognizing the local businesses that bring the best value to the community with their different products and services.
Why Work With a Mortgage Broker South Surrey Like Me?
- I Specialize in the Scenarios Banks Won’t Touch
Most mortgage brokers in South Surrey focus on straightforward A-lender deals. I deliberately work in the more complex space — self-employed income verification, bruised credit approvals, private mortgage financing, and reverse mortgages for homeowners 55+. If you’ve been declined by your bank, that’s exactly where my expertise begins.
- Access to 90+ Lenders Across BC and Alberta
As a mortgage broker South Surrey based but serving the entire Lower Mainland and Calgary, I have direct access to over 90 lending institutions including banks, credit unions, monoline lenders, alternative B-lenders, and private funding sources. More lenders means better rates, better terms, and a much higher approval rate — especially for non-standard scenarios.
- I’m Recognized by the South Surrey and White Rock Community
I’m proud to have been voted one of the top mortgage service providers in the Surrey and White Rock area, with over 26,000 votes cast across 148 business categories. That recognition reflects the relationships I’ve built and the results I’ve delivered for clients across South Surrey, Langley, White Rock, and the broader Lower Mainland.
- A Solutions-First Approach to Mortgage Brokering
When you work with a mortgage broker South Surrey who only has access to traditional lenders, you’re limited to cookie-cutter solutions. I start by understanding your full financial picture — income structure, credit history, down payment sources, property type — and then match you to the right lender and product. If Plan A doesn’t work, I already have Plan B and Plan C ready.
- Local Knowledge of the Lower Mainland Market
I live and work in South Surrey. I understand how different lenders view different neighbourhoods, what’s happening with property values in White Rock versus Langley, and which lenders are currently aggressive in the Lower Mainland market. That local context matters when structuring a mortgage that actually gets approved.
about me
I’m a licensed mortgage broker South Surrey and the owner of First Class Mortgage Services, operating under A Better Way Mortgage Group. I’ve built my reputation by focusing on the mortgage scenarios most brokers avoid — clients who’ve been bank-declined, self-employed borrowers, homeowners with credit challenges, and seniors exploring reverse mortgages. This isn’t a side practice for me. It’s my entire business model. Outside of work, you’ll find me at the gym, on a quiet lake fly fishing, or on the golf course. Most importantly, I spend time with my wife, sons, and daughter. They’re the reason I bring everything I have to this work every single day.
my goal
as a broker
I work to be the go-to broker for my community and the trusted source for all your mortgage needs. Since I have access to over 90 lending institutions, I am extremely diversified and have an array of mortgage products available to me. Having access to all these tools allows me to focus on the important details, being able to do my job exceptionally well and providing my clients with the best mortgages products for their specific needs.
My Specialty: Alternative Lending, Private Mortgages, and Reverse Mortgages
As a mortgage broker South Surrey serving the entire Lower Mainland, I’ve deliberately built my practice around clients who need an advocate, not just a form-filler. That means self-employed borrowers whose NOA doesn’t reflect their real income. Homeowners with past credit issues who are working to rebuild. Property investors who need creative financing structures. Seniors exploring reverse mortgages to access home equity without selling. These are the clients who benefit most from working with a mortgage broker South Surrey who has deep lender relationships beyond the big banks. With access to alternative B-lenders, private mortgage companies, and specialty reverse mortgage providers, I can structure solutions that traditional bank employees simply don’t have access to.
Service Area: South Surrey, White Rock, Langley, and Beyond
While I’m based in South Surrey, I work with clients across the entire Lower Mainland including White Rock, Surrey, Langley, Burnaby, Vancouver, Coquitlam, Richmond, and New Westminster. I also serve clients in Calgary and throughout Alberta for alternative lending and private mortgage solutions. Whether you’re purchasing your first home in South Surrey, refinancing to consolidate debt in Langley, exploring a reverse mortgage in White Rock, or need a private mortgage in Vancouver, I’m your local mortgage broker South Surrey with the expertise and lender access to help.
ready to talk?
lets work together
If you’re looking for a mortgage broker South Surrey who specializes in alternative lending, private mortgages, reverse mortgages, and the scenarios where traditional banks say no, let’s talk. Call 604-788-9454 or use the contact form below to get started.
