BUILDING YOUR FUTURE

20+ Years In the industry

Superior experience through fast response times, Exceeding service expectations and,

Keeping our clients best interest in the forefront.

GET STARTED

BUILDING YOUR FUTURE

Nate Atkin - Mortgage Agent

20 Years In the industry

Superior experience through fast response times, Exceeding service expectations and,

Keeping our clients best interest in the forefront.

GET STARTED

Finding the best mortgage can be frustrating.

It doesn't have to be when you follow my 3 step plan.

Get started right away

The best place to start is to connect with me directly. My commitment is to listen to your needs, assess your financial situation, provide professional mortgage advice, and guide you through the mortgage process.

Get clarity

Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let me cut through the noise. I'll outline the best mortgage products available with your needs in mind.

Proceed with confidence

My goal is to make sure you know exactly where you stand at all times. From your initial application through your mortgage renewal, I'm available to answer any questions and move you along with speed! I've got you covered.

Services

Whether you're a first-time buyer or an experienced homeowner, our brokerage offers access to some of the best products and rates on the market.

        Renewals

Before renewing with your current lender, let a mortgage professional shop around for you. You'll be amazed at what they can do!

First Time Home Buyers

We help countless first-time buyers get their first mortgage. Our process makes it easy for you to achieve your goal of home ownership. Book a call with us today to learn how.

Competitive Rates

Our rates are consistently competitive, and we take pride in ensuring you receive the best possible rate available.

Referral

We can connect you with expert professionals you may need during the home buying process, including realtors, lawyers, and insurance brokers.

Refinance

Refinancing is a great way to access your home equity for consolidating debt, making home improvements, investing, covering college expenses, and more.


BOOK A CALL

Nate Atkin

Mortgage Agent Level 2

Email: nate@hummingbirdmortgages.ca

License #M24001359

BRX Mortgages | FSRA No. 13463

What we stand for at Hummingbird Mortgages?

We are driven by a passion for helping you navigate life without financial stress. Our goal is to work with you to ensure you have the cash flow and financial security you need during major life milestones. Whether you're buying your first home, helping pay for your kids' weddings or college tuition, taking your dream vacation, getting a new car, investing, or planning for retirement, we are always here to support you.


We bring over 20 years of proven experience in real estate and mortgage expertise. At Hummingbird Mortgages, a proud member of the BRX Brokerage Group, we have access to over 120 lending partners.


Our focus is to provide you with expert advice and the best mortgage solutions tailored to your unique financial situation.


Our mission is to represent you in obtaining the best products, rates, and services, all while offering a superior experience through quick response times, exceeding service expectations, and keeping your best interests at the forefront.

 

We’re here to assist with all your financing needs, including mortgages, renewals, refinancing, repositioning, HELOCs, private lending, bridge loans, commercial funding, first-time buyers, reverse mortgages, and more.

Additionally, Nate Atkin is the Principal Partner and Managing Agent for a US-based real estate investment group that offers clients the opportunity to invest in multifamily properties on a passive basis. We offer US Mortgage Solutions for Canadians. We also serve both accredited and non-accredited investors, providing a pathway to build wealth through large-scale multifamily assets. With expertise in acquiring and repositioning properties, our team focuses on generating passive income for investors and returning capital upon achieving our business objectives.

(For more information, click on our "US Investing" link.)


We look forward to connecting with you!

 

Nate & the Hummingbird Mortgages Team

I work with over 120 lenders, including some names you might recognize.

Here are a few:

Nature's Symphony

Breathtaking colors of our planet
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Faces of Humanity

Portraits of people from around the globe
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Sands of Time

Stark beauty of desolate dunes
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Beyond Boundaries

Visual odyssey across continents
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Everything you need, all in one place

As a trusted mortgage provider, let me help you with these services.

Click through any of the services to learn more

Nice things people have said about working with me.

Thank you for helping me with my mortgage and making the process super easy and seamless.

I'll be sure to reach out in the future and recommend you.

Curtis P

I had a fantastic experience with Nate Atkin as my mortgage agent. Nate was incredibly knowledgeable and explained everything in a way that made the mortgage process easy to understand. Communication was key. Any questions when filling in forms, to questions of mortgage rates and investing advice were all met with quick replies and detailed info. The confidence from the answers, gave me confidence in the broker I picked.

The closing process was smooth. I had a quick close and Nate definitely worked overtime to meet my deadlines. Overall, I couldn't have asked for a better mortgage agent and would definitely recommend Nate and Hummingbird Mortgages to anyone looking for a stress-free experience.


Adam Nelson,

First Time Home Buyer

Nate is the best mortgage agent you could ever work with. Period. His knowledge of mortgages and the real estate market is unmatched. He made the entire process transparent, stress-free, and got my client a great rate, with exceptional communication throughout.

He’ll respond to your messages before you even send them. If you’re a realtor and you want the best for your clients, I strongly recommend you refer them to Nate Atkin and Hummingbird Mortgages.

Steve Lopresti,

Realtor

We had an outstanding experience with Nate Atkin as our Mortgage Agent. When we approached Nate to learn about a Reverse Mortgage, we couldn’t have made a better choice! Nate took the time to understand our needs and preferences, tailoring a perfect solution for us. His expertise in Reverse Mortgages and financial guidance was evident as he explained everything clearly, making the process easy to understand. Post close, Nate even advised us on how to maximize interest on our investments.

Nate's communication skills are exceptional, always prompt and clear. If you’re seeking the absolute best advice to get ahead, we highly recommend Nate Atkin. We've already shared his contact information with all our friends and family!



Douglas D – Reverse Mortgage and Debt Consolidation

Get started by completing my online mortgage application.

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I'll let you know exactly where you stand so you can proceed with confidence.

Go ahead and schedule a meeting with me!

Mortgage articles to keep you informed.

Stress-Testing Your Mortgage Affordability: Why It Matters

By Hummingbird Mortgages • May 6, 2026
Buying a home is one of the biggest financial commitments you’ll ever make. That’s why lenders want to be sure you can handle your mortgage payments—not just today, but also if interest rates rise in the future. This is where the mortgage stress test comes in. Many Canadians hear the term but aren’t entirely sure what it means or how it affects them. Let’s break it down in plain language. What Is the Mortgage Stress Test? The stress test is a rule introduced by the federal government that requires all mortgage applicants to qualify at a higher rate than the one they’ll actually pay. Currently, you must qualify at the greater of your contract rate + 2% or the benchmark qualifying rate (set by the Office of the Superintendent of Financial Institutions). For example: If your lender offers you a 5-year fixed mortgage at 5.25%, you must show you could still afford the payments at 7.25% . Even if rates don’t rise that high, the stress test ensures you won’t be overextended if they do. Why Does It Matter? The stress test protects both borrowers and lenders by: Preventing over-borrowing : It ensures you don’t take on more debt than you can realistically handle. Preparing for rate hikes : With interest rates fluctuating, it’s a safeguard against sudden increases. Strengthening financial stability : It lowers the risk of defaults, protecting the housing market as a whole. While it can sometimes feel like a barrier—reducing the amount you qualify for—it’s ultimately designed to keep you from becoming “house poor.” How Does It Impact Buyers? The stress test can significantly affect your homebuying budget. For example, without it, you might qualify for a $600,000 mortgage, but with the stress test applied, you may only qualify for $500,000. That doesn’t mean your dream of homeownership is out of reach—it just means you may need to adjust expectations or explore other strategies, such as: Increasing your down payment Paying down existing debts Considering alternative lenders who may have different qualification standards Why Work With a Mortgage Professional? Every lender applies the stress test, but not every lender views your application the same way. An independent mortgage professional can: Shop multiple lenders to find the best fit Run affordability scenarios at different rates Help you understand how much house you can truly afford—without stretching your finances too thin The Bottom Line The mortgage stress test isn’t meant to stop you from buying a home—it’s there to protect you from financial strain down the road. By understanding how it works and planning ahead, you can make smarter choices and buy with confidence. If you’re thinking about purchasing a home, refinancing, or simply want to know how the stress test affects your options, connect with us today. We’ll help you stress-test your budget and find the mortgage solution that works best for you.

Bank of Canada Holds Rate at 2.25% — April 29, 2026

By Hummingbird Mortgages • April 29, 2026
The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. This decision comes against a backdrop of significant global uncertainty — and for Canadian homeowners, buyers, and anyone with a mortgage coming up for renewal, here's what it means.

What to Expect in the Closing Process: A Step-by-Step Guide

By Hummingbird Mortgages • April 22, 2026
You’ve found the right home, your offer’s been accepted, and your financing is approved—congratulations! But before you can pick up the keys and celebrate, there’s one more important stage: the closing process. Closing is the final step in your homebuying journey, where all the paperwork, legal details, and financial transactions come together. It can feel overwhelming if you don’t know what to expect, but with the right preparation, closing can be smooth and stress-free. Here’s a step-by-step guide to help you understand the process. Step 1: Hire a Lawyer or Notary A real estate lawyer (or notary, depending on your province) handles the legal side of closing. They will: Review the purchase agreement and mortgage documents Conduct a title search to confirm the seller has the legal right to sell the property Ensure the mortgage lender is properly registered on the title Handle the transfer of funds between you, the lender, and the seller Your lawyer or notary will be your main point of contact during closing, so choose one you trust and who communicates clearly. Step 2: Finalize Your Mortgage Your lender will send the mortgage instructions directly to your lawyer or notary. At this stage: You’ll provide proof of property insurance (lenders require this before releasing funds) You’ll confirm your down payment and closing costs are available in your lawyer’s trust account The lawyer will prepare all documents for your review and signature Step 3: Pay Closing Costs Closing costs typically range from 1.5% to 4% of the purchase price. These can include: Legal fees Title insurance Land transfer tax (where applicable) Adjustments for property taxes or utilities prepaid by the seller Home inspection or appraisal fees (if not already paid) Your lawyer will provide a final statement of adjustments so you know exactly how much is due on closing day. Step 4: Sign the Paperwork A few days before closing, you’ll meet with your lawyer or notary to sign all the necessary documents, including: Mortgage agreement Title transfer Insurance confirmations Statement of adjustments Bring valid government-issued ID to this appointment. Step 5: Transfer of Funds On the day of closing: Your lender sends the mortgage funds to your lawyer Your lawyer combines these funds with your down payment and pays the seller Legal ownership of the property is transferred into your name The lender is registered on title as a secured creditor Step 6: Get the Keys! Once the paperwork is filed and the funds have cleared, your lawyer will confirm that the transaction is complete. You’ll then get the keys to your new home—officially making it yours. The Bottom Line The closing process is a series of important steps, but with the right team in place, it doesn’t have to be stressful. By working closely with your mortgage professional and lawyer, you’ll have guidance every step of the way—from signing the documents to turning the key in the front door. If you’d like help preparing for the closing process—or want a clear breakdown of your own closing costs— connect with us today.

Stress-Testing Your Mortgage Affordability: Why It Matters

By Hummingbird Mortgages • May 6, 2026
Buying a home is one of the biggest financial commitments you’ll ever make. That’s why lenders want to be sure you can handle your mortgage payments—not just today, but also if interest rates rise in the future. This is where the mortgage stress test comes in. Many Canadians hear the term but aren’t entirely sure what it means or how it affects them. Let’s break it down in plain language. What Is the Mortgage Stress Test? The stress test is a rule introduced by the federal government that requires all mortgage applicants to qualify at a higher rate than the one they’ll actually pay. Currently, you must qualify at the greater of your contract rate + 2% or the benchmark qualifying rate (set by the Office of the Superintendent of Financial Institutions). For example: If your lender offers you a 5-year fixed mortgage at 5.25%, you must show you could still afford the payments at 7.25% . Even if rates don’t rise that high, the stress test ensures you won’t be overextended if they do. Why Does It Matter? The stress test protects both borrowers and lenders by: Preventing over-borrowing : It ensures you don’t take on more debt than you can realistically handle. Preparing for rate hikes : With interest rates fluctuating, it’s a safeguard against sudden increases. Strengthening financial stability : It lowers the risk of defaults, protecting the housing market as a whole. While it can sometimes feel like a barrier—reducing the amount you qualify for—it’s ultimately designed to keep you from becoming “house poor.” How Does It Impact Buyers? The stress test can significantly affect your homebuying budget. For example, without it, you might qualify for a $600,000 mortgage, but with the stress test applied, you may only qualify for $500,000. That doesn’t mean your dream of homeownership is out of reach—it just means you may need to adjust expectations or explore other strategies, such as: Increasing your down payment Paying down existing debts Considering alternative lenders who may have different qualification standards Why Work With a Mortgage Professional? Every lender applies the stress test, but not every lender views your application the same way. An independent mortgage professional can: Shop multiple lenders to find the best fit Run affordability scenarios at different rates Help you understand how much house you can truly afford—without stretching your finances too thin The Bottom Line The mortgage stress test isn’t meant to stop you from buying a home—it’s there to protect you from financial strain down the road. By understanding how it works and planning ahead, you can make smarter choices and buy with confidence. If you’re thinking about purchasing a home, refinancing, or simply want to know how the stress test affects your options, connect with us today. We’ll help you stress-test your budget and find the mortgage solution that works best for you.

Bank of Canada Holds Rate at 2.25% — April 29, 2026

By Hummingbird Mortgages • April 29, 2026
The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. This decision comes against a backdrop of significant global uncertainty — and for Canadian homeowners, buyers, and anyone with a mortgage coming up for renewal, here's what it means.

What to Expect in the Closing Process: A Step-by-Step Guide

By Hummingbird Mortgages • April 22, 2026
You’ve found the right home, your offer’s been accepted, and your financing is approved—congratulations! But before you can pick up the keys and celebrate, there’s one more important stage: the closing process. Closing is the final step in your homebuying journey, where all the paperwork, legal details, and financial transactions come together. It can feel overwhelming if you don’t know what to expect, but with the right preparation, closing can be smooth and stress-free. Here’s a step-by-step guide to help you understand the process. Step 1: Hire a Lawyer or Notary A real estate lawyer (or notary, depending on your province) handles the legal side of closing. They will: Review the purchase agreement and mortgage documents Conduct a title search to confirm the seller has the legal right to sell the property Ensure the mortgage lender is properly registered on the title Handle the transfer of funds between you, the lender, and the seller Your lawyer or notary will be your main point of contact during closing, so choose one you trust and who communicates clearly. Step 2: Finalize Your Mortgage Your lender will send the mortgage instructions directly to your lawyer or notary. At this stage: You’ll provide proof of property insurance (lenders require this before releasing funds) You’ll confirm your down payment and closing costs are available in your lawyer’s trust account The lawyer will prepare all documents for your review and signature Step 3: Pay Closing Costs Closing costs typically range from 1.5% to 4% of the purchase price. These can include: Legal fees Title insurance Land transfer tax (where applicable) Adjustments for property taxes or utilities prepaid by the seller Home inspection or appraisal fees (if not already paid) Your lawyer will provide a final statement of adjustments so you know exactly how much is due on closing day. Step 4: Sign the Paperwork A few days before closing, you’ll meet with your lawyer or notary to sign all the necessary documents, including: Mortgage agreement Title transfer Insurance confirmations Statement of adjustments Bring valid government-issued ID to this appointment. Step 5: Transfer of Funds On the day of closing: Your lender sends the mortgage funds to your lawyer Your lawyer combines these funds with your down payment and pays the seller Legal ownership of the property is transferred into your name The lender is registered on title as a secured creditor Step 6: Get the Keys! Once the paperwork is filed and the funds have cleared, your lawyer will confirm that the transaction is complete. You’ll then get the keys to your new home—officially making it yours. The Bottom Line The closing process is a series of important steps, but with the right team in place, it doesn’t have to be stressful. By working closely with your mortgage professional and lawyer, you’ll have guidance every step of the way—from signing the documents to turning the key in the front door. If you’d like help preparing for the closing process—or want a clear breakdown of your own closing costs— connect with us today.
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