SHANNA DAVIS

DESIGNING MORTGAGES THAT WORK FOR YOU

CONTACT ME

ABOUT ME

Being a mortgage broker comes naturally to me. In fact, it’s a perfect blend of my love for numbers and my passion for helping people fulfill their dreams.


I began working on achieving my own dreams at a young age. I started in the hospitality industry when I was only 15 years old. While working my way up to management level, I earned a Commerce degree with a major in Finance from the world-renowned, UBC Sauder School of Business.


Those years of working hard and going to school taught me the invaluable importance of discipline and a good work ethic. They also exposed me to thousands of people who shared their personal stories with me: stories of their own dreams and the challenges they faced to achieve them. Your stories made me a better listener.


I understand everyone is as unique as his or her story. And so are their needs. I also understand that home ownership is one of the biggest lifetime dreams most of us share. But it can be stressful and confusing to navigate your way through the process of finding the right mortgage for you. Let me help. I bring 5 years of experience to the table.


I don’t want to work ‘for’ you, I want to work ‘with’ you to design a mortgage that is the right fit for you not only today but also for tomorrow and years to come. My commitment to you is for the long haul. It doesn’t end when you sign the mortgage papers and move into your dream home.


I will be available to help you each step of the way throughout your time as a mortgage holder; whether it’s time for a mortgage renewal or you want to refinance. I’ll make sure you keep more of your hard-earned money in your pocket by finding you the best rate possible.


Let me show you that


'IT’S EASIER THAN YOU THINK’

SERVICES

HOME PURCHASE

If you’re looking to buy a property, unless you have all the cash necessary in the bank, chances are you’ll need to get a mortgage! With so many options and mortgage products available, where do you start? You’re in the right place. Instead of working with a banker who represents a single line of products, when you work with me, an independent mortgage professional, I can represent you to several institutions, and you can pick the best mortgage product that suits your individual needs. In most cases, my services are at no added cost to you!

PRE-APPROVALS AND RATE HOLDS

Okay, you have decided now is the time to buy a new property! It may be your first or your hundredth, in any case, the house hunting process starts by understanding how much purchasing power you have. Contact me anytime to get a mortgage pre-approval and secure a 120 day rate hold. This way you will be able to shop with confidence, and you’ll be protected against rising rates.

REFINANCE

Are you looking to access some of the equity built up in your home? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property, or spend the next eight years in a vineyard… regardless, let’s discuss all your mortgage refinance options!

REVERSE MORTGAGES

One of the benefits of working with an independent mortgage professional is the wide variety of products we are able to offer our clients. The reverse mortgage is one such product. It’s unique in the fact that it allows homeowners 55+ to borrow against the equity in their home without any credit or income qualification. In fact, there are no payments to a reverse mortgage, instead, the principal amount of the loan grows each month. Want to learn more, contact me anytime!

RENEWAL

If you are within six months of your mortgage renewal, or if your existing lender has sent you a renewal offer in the mail, please don’t just sign the offer, contact me directly, and I can give you a second opinion, and in most cases save you money. There is always room to negotiate, or to find a completely new lender. My goal is to save you money, I can’t do that, unless you give me a call!

FIRST TIME HOME BUYERS

Are you looking to get into the housing market, but have no idea where to start? That’s great. I love working with first time home buyers. I understand that you have questions, and that you’ll probably have even more questions after your initial questions have been answered. Buying your first home is a big deal. I’m here to walk you through the process. Getting your financing in order is step one. Please contact me anytime. I’d love to work with you.

WHATEVER MORTGAGE PRODUCT YOU'RE LOOKING FOR,
I'D LOVE TO WORK WITH YOU.

APPLY NOW

MEDIA


I always keep my blog up to date so you can stay informed.

New to Credit? Let’s Build a Solid Foundation

By Shanna Davis • December 25, 2025
Starting from Scratch: How to Build Credit the Smart Way If you're just beginning your personal finance journey and wondering how to build credit from the ground up, you're not alone. Many people find themselves stuck in the classic credit paradox: you need credit to build a credit history, but you can’t get credit without already having one. So, how do you break in? Let’s walk through the basics—step by step. Credit Building Isn’t Instant—Start Now First, understand this: building good credit is a marathon, not a sprint. For those planning to apply for a mortgage in the future, lenders typically want to see at least two active credit accounts (credit cards, personal loans, or lines of credit), each with a limit of $2,500 or more , and reporting positively for at least two years . If that sounds like a lot—it is. But everyone has to start somewhere, and the best time to begin is now. Step 1: Start with a Secured Credit Card When you're new to credit, traditional lenders often say “no” simply because there’s nothing in your file. That’s where a secured credit card comes in. Here’s how it works: You provide a deposit—say, $1,000—and that becomes your credit limit. Use the card for everyday purchases (groceries, phone bill, streaming services). Pay the balance off in full each month. Your activity is reported to the credit bureaus, and after a few months of on-time payments, you begin to establish a credit score. ✅ Pro tip: Before you apply, ask if the lender reports to both Equifax and TransUnion . If they don’t, your credit-building efforts won’t be reflected where it counts. Step 2: Move Toward an Unsecured Trade Line Once you’ve got a few months of solid payment history, you can apply for an unsecured credit card or a small personal loan. A car loan could also serve as a second trade line. Again, make sure the account reports to both credit bureaus, and always pay on time. At this point, your focus should be consistency and patience. Avoid maxing out your credit, and keep your utilization under 30% of your available limit. What If You Need a Mortgage Before Your Credit Is Ready? If homeownership is on the horizon but your credit history isn’t quite there yet, don’t panic. You still have a few options. One path is to apply with a co-signer —someone with strong credit and income who is willing to share the responsibility. The mortgage will be based on their credit profile, but your name will also be on the loan, helping you build a record of mortgage payments. Ideally, when the term is up and your credit has matured, you can refinance and qualify on your own. Start with a Plan—Stick to It Building credit may take a couple of years, but it all starts with a plan—and the right guidance. Whether you're figuring out your first steps or getting mortgage-ready, we’re here to help. Need advice on credit, mortgage options, or how to get started? Let’s talk.

Is Refinancing Your Mortgage a Good Way to Consolidate Debt?

By Shanna Davis • December 18, 2025
If you're a homeowner juggling multiple debts, you're not alone. Credit cards, car loans, lines of credit—it can feel like you’re paying out in every direction with no end in sight. But what if there was a smarter way to handle it? Good news: there is. And it starts with your home. Use the Equity You’ve Built to Lighten the Load Every mortgage payment you make, every bit your home appreciates—you're building equity. And that equity can be a powerful financial tool. Instead of letting high-interest debts drain your income, you can leverage your home’s equity to combine and simplify what you owe into one manageable, lower-interest payment. What Does That Look Like? This strategy is called debt consolidation , and there are a few ways to do it: Refinance your existing mortgage Access a Home Equity Line of Credit (HELOC) Take out a second mortgage Each option has its own pros and cons, and the right one depends on your situation. That’s where I come in—we’ll look at the numbers together and choose the best path forward. What Can You Consolidate? You can roll most types of consumer debt into your mortgage, including: Credit cards Personal loans Payday loans Car loans Unsecured lines of credit Student loans These types of debts often come with sky-high interest rates. When you consolidate them into a mortgage—secured by your home—you can typically access much lower rates, freeing up cash flow and reducing financial stress. Why This Works Debt consolidation through your mortgage offers: Lower interest rates (often significantly lower than credit cards or payday loans) One simple monthly payment Potential for faster repayment Improved cash flow And if your mortgage allows prepayment privileges—like lump-sum payments or increased monthly payments—those features can help you pay everything off even faster. Smart Strategy, Not Just a Quick Fix This isn’t just about lowering your monthly bills (although that’s a major perk). It’s about restructuring your finances in a way that’s sustainable, efficient, and empowering. Instead of feeling like you're constantly catching up, you can create a plan to move forward with confidence—and even start saving again. Here’s What the Process Looks Like: Review your current debts and cash flow Assess how much equity you’ve built in your home Explore consolidation options that fit your goals Create a personalized plan to streamline your payments and reduce overall costs Ready to Regain Control? If your debts are holding you back and you're ready to use the equity you've worked hard to build, let's talk. There’s no pressure—just a practical conversation about your options and how to move toward a more flexible, debt-free future. Reach out today. I’m here to help you make the most of what you already have.

How to Raise Your Credit Score and Unlock Better Rates

By Shanna Davis • December 11, 2025
Want a Better Credit Score? Here’s What Actually Works Your credit score plays a major role in your ability to qualify for a mortgage—and it directly affects the interest rates and products you’ll be offered. If your goal is to access the best mortgage options on the market, improving your credit is one of the smartest financial moves you can make. Here’s a breakdown of what truly matters—and what you can start doing today to build and maintain a strong credit profile. 1. Always Pay On Time Late payments are the fastest way to damage your credit score—and on-time payments are the most powerful way to boost it. When you borrow money, whether it’s a credit card, car loan, or mortgage, you agree to repay it on a schedule. If you stick to that agreement, lenders reward you with good credit. But if you fall behind, missed payments are reported to credit bureaus and your score takes a hit. A single missed payment over 30 days late can hurt your score. Missed payments beyond 120 days may go to collections—and collections stay on your report for up to six years . Quick tip: Lenders typically report missed payments only if they’re more than 30 days overdue. So if you miss a Friday payment and make it up on Monday, you're probably in the clear—but don't make it a habit. 2. Avoid Taking On Unnecessary Credit Once you have at least two active credit accounts (like a credit card and a car loan), it’s best to pause on applying for more—unless you truly need it. Every time a lender checks your credit, a “hard inquiry” appears on your report. Too many inquiries in a short time can bring your score down slightly. Better idea? If your current lender offers a credit limit increase , take it. Higher available credit (when used responsibly) actually improves your credit utilization ratio, which we’ll get into next. 3. Keep Credit Usage Low How much of your available credit you actually use—also known as credit utilization —is another major factor in your score. Here’s the sweet spot: Aim to use 15–25% of your limit if possible. Never exceed 60% , especially if you plan to apply for a mortgage soon. So, if your credit card limit is $5,000, try to keep your balance under $1,250—and pay it off in full each month. Maxing out your cards or carrying high balances (even if you make the minimum payment) can tank your score. 4. Monitor Your Credit Report About 1 in 5 credit reports contain errors. That’s not a small number—and even a minor mistake could cost you when it’s time to get approved for a mortgage. Check your report at least once a year (or sign up for a monitoring service). Look for: Incorrect balances Accounts you don’t recognize Missed payments you know were paid You can request reports directly from Equifax and TransUnion , Canada’s two national credit bureaus. If something looks off, dispute it right away. 5. Deal with Collections Fast If you spot an account in collections—don’t ignore it. Even small unpaid bills (a leftover phone bill, a missed utility payment) can drag down your score for years. Reach out to the creditor or collection agency and arrange payment as quickly as possible . Once settled, ask for written confirmation and ensure it’s updated on your credit report. 6. Use Your Credit—Don’t Just Hold It Credit cards won’t help your score if you’re not using them. Inactive cards may not report consistently to the credit bureaus—or worse, may be closed due to inactivity. Use your cards at least once every three months. Many people put routine expenses like groceries or gas on their cards and pay them off right away. It’s a simple way to show regular, responsible use. In Summary: Improving your credit score isn’t complicated, but it does take consistency: Pay everything on time Keep balances low Limit new credit applications Monitor your report and handle issues quickly Use your credit regularly Following these principles will steadily increase your creditworthiness—and bring you closer to qualifying for the best mortgage rates available. Ready to review your credit in more detail or start prepping for a mortgage? I’m here to help—reach out anytime!
READ MORE

LENDERS

I've developed excellent relationships with many lenders across the country, let's figure out which one has the best product for you. 

APPLY NOW

HAPPY CLIENTS

As first-time buyers with not-so-typical incomes, we were a little overwhelmed going into the mortgage application process, but Shanna directed the process flawlessly. She was incredibly organized and on top of everything, always one step ahead of the process to ensure we wouldn’t run into any hiccups or issues. In the end, she was able to secure us a mortgage with great terms. We would not hesitate to recommend Shanna to anyone!

Magee Walker | First Time Home Buyer, Squamish, BC

My friend recommended that I call Shanna to discuss my mortgage options. I’m so happy I did. She was very accessible, explained the process in a way that made sense to me, provided me with excellent council, and ensured I got the financing to secure the purchase of a new build condo. There was a lot of back and forth paperwork, but in the end Shanna did an amazing job keeping things on track. I highly recommend her if you need mortgage financing. I have since referred several friends who have had similar experiences to mine.

Daniel Magnussen | Condo Owner, Langley, BC.

SHANNA DAVIS

OFFICE


635 East Windsor Road
North Vancouver,
British Columbia
V7N 1K8
Canada


Map It


FOLLOW ME

Contact Us