Kara Herbeson
Mortgage Agent – Level 2
With over 9 years of experience in the mortgage industry, I’ve had the privilege of helping Canadian families navigate one of the biggest financial decisions of their lives—choosing the right mortgage solution. What sets me apart is the personal strategies I craft for each client, not just access to 30+ lenders ranging from Major Banks, Trust Companies, Credit Unions to competitive Monoline Lenders. Whether it’s helping first-time buyers secure their first home, consolidating high-interest debts into a more innovative mortgage structure, or building long-term wealth through real estate investing, I’m committed to open communication, transparency, and delivering results.
My clients know me as helpful, resourceful, and determined to find the right fit—not just for today, but for their future. Every family’s financial journey is unique, and I’m here to guide them with clarity, insight, and strategies to help them pay down their mortgage faster and grow their financial health with confidence.
Outside of work, I’m a proud mom to two amazing daughters who keep me just as busy off the clock as I am on it. Both are active in rep sports, and when I’m not helping families achieve their homeownership goals, you can find me at the rink or on the field cheering them on—and often chauffeuring them between practices and games. Balancing a busy family life with a passion for helping others has given me a deep understanding of what families need most: support, trust, and someone who truly listens. That’s exactly what I bring to every mortgage conversation.
My New Mortgage App!
Be sure to check out my FREE Canadian Mortgage App. It includes everything you need to estimate your home ownership costs. Includes mortgage payments, rates, Land Transfer fees, stress test, closing costs and much more.
There’s strength in numbers.
Confidence, too. And the confidence that comes with having the numbers on your side starts with having the right people on your side. People who speak numbers, speak your language and whose reputations speak for themselves. People who understand your goals and work with you to meet them. People like you. For trusted financial advice and service that makes you feel like you belong.
Join the tribe.
Mortgage
Services.
Customer Care
I believe that my responsibility as a mortgage expert goes well beyond simply arranging your mortgage financing. My job is to ensure that you feel confident in the mortgage process and make decisions that best suit you and your tribe.
Education
In order for you to feel confident about the mortgage process and make the best decisions for your tribe, you have to feel at ease and be able to ask questions. I stay in touch with you throughout the entire process, provide information up front, but also make myself available whenever you need me!
Best Mortgage Products
Being a part of the tribe has advantages. Access to the best lender products available anywhere in Canada is one of them. We use our extensive corporate networks to ensure you get the best mortgage product. It pays to belong.
Lenders.
We have developed excellent relationships with several lenders, let’s figure out which one has the best products to offer you!
What Clients Are Saying
Why Timing the Housing Market Matters Less Than You Think
One of the most common questions we hear from homebuyers is, “Should I wait for the market to improve?” It’s a fair question. Interest rates change, home prices fluctuate and headlines often make it feel like buying at the “wrong” time could be a costly mistake. But...
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I Wish I’d Talked to My Mortgage Agent Sooner!
This is something mortgage agents hear far more often than you may expect – usually after a renewal has already been signed, a purchase is well underway or a financial change has created unexpected pressure. By the time many people reach out, their options may be...
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Wondering How Your Mortgage Payment is Divided?
Many homeowners are surprised when they first learn how their mortgage payments are allocated. If you’ve been paying your mortgage for a few years, you may assume that each payment is steadily chipping away at your principal balance. In reality, during the early years...
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