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.

Deposit vs. Down Payment: Key Differences for Homebuyers

By Hummingbird Mortgages • June 3, 2026
When you’re buying a home, two terms often cause confusion: deposit and down payment . While they’re related, they serve very different purposes in the homebuying process. Here’s what you need to know. What Is a Deposit? A deposit is the money you provide when you make an offer on a property. Think of it as a show of good faith that proves you’re serious about purchasing. How it works : Typically, you provide a certified cheque or bank draft that your real estate brokerage holds in trust. If your offer is accepted, the deposit remains in trust until the deal moves forward. If negotiations fall through, the deposit is refunded. Connection to your down payment : Once the sale is finalized, your deposit becomes part of your total down payment. Why it matters : The amount is negotiable, but a larger deposit can make your offer more attractive in a competitive market. Keep in mind, however, that if you back out after conditions are removed, you risk losing your deposit. What Is a Down Payment? Your down payment is the amount you contribute toward the purchase price of your home when securing a mortgage. Minimum requirement : In Canada, the minimum down payment is 5% of the home’s purchase price. Anything less than 20% requires mortgage default insurance. Sources : Down payments can come from your savings, the sale of another property, RRSP withdrawals (through the Home Buyers’ Plan), a gift from family, or even borrowed funds. Example: How They Work Together Imagine you’re buying a $400,000 home with a 10% down payment ($40,000). When you make your offer, you provide a $10,000 deposit . Once conditions are met, that deposit is transferred to your lawyer’s trust account. At closing, you add the remaining $30,000 to complete your full down payment. The lender provides the rest—$360,000—through your mortgage. The Bottom Line Your deposit shows commitment and secures your offer, while your down payment is what makes the mortgage possible. Together, they work hand in hand to get you into your new home. 📞 If you’d like clarity on deposits, down payments, or any other part of the mortgage process, let’s connect. I’d be happy to walk you through it step by step.

RRSP Home Buyers’ Plan Explained: A Smart Way to Buy Your First Home

By Hummingbird Mortgages • May 27, 2026
Saving for a down payment is one of the biggest challenges first-time buyers face. What many don’t realize is that the Canadian government offers a program designed to make it easier—the Home Buyers’ Plan (HBP) . This program allows you to withdraw money from your RRSP to help purchase your first home, without immediate tax consequences. Here’s how it works: Who Qualifies? To be eligible, you generally need to be a first-time home buyer. In practical terms, this means you must not have owned a home in the past four years, nor lived in a property owned by your spouse or partner during that time. There are also special allowances if you’re living with a disability or helping a relative with a disability. In these cases, you can use the HBP even if you’ve owned a home more recently. How Much Can You Withdraw? Under the program, you can access up to $35,000 from your RRSP as an individual. Couples can combine their withdrawals for a total of $70,000 . These funds must have been in your RRSP for at least 90 days before you take them out. Paying It Back The HBP isn’t “free money”—it’s an interest-free loan from your own retirement savings. You’ll have 15 years to repay the full amount back into your RRSP, starting in the second year after withdrawal. Each year, the CRA will send you an HBP Statement of Account outlining how much needs to be repaid. If you don’t make your repayment in a given year, that amount will be added to your taxable income. Why It’s a Smart Strategy The HBP can give first-time buyers a powerful boost toward homeownership. It helps you put together a larger down payment, which can reduce your mortgage amount and monthly payments. Just remember: it’s important to balance the short-term benefit of homeownership with the long-term impact on your retirement savings. Next Steps Thinking about using the Home Buyers’ Plan? Let’s sit down and review whether it’s the right move for you. Together, we can create a strategy that gets you into your first home while keeping your future financial goals on track. 📞 Reach out anytime—it would be a pleasure to guide you through the process.

Let’s Talk About Getting Top Dollar for Your Property

By Hummingbird Mortgages • May 20, 2026
When it comes to selling your home, most people think the first call should be to a real estate agent. But the smartest first step often isn’t with your agent—it’s with an independent mortgage professional. Why? Because your mortgage plays a bigger role in your bottom line than most people realize. Planning to Buy After You Sell If selling means you’ll also be purchasing another property, you’ll want to know exactly where you stand financially before listing. Mortgage rules change regularly, and qualifying once doesn’t guarantee you’ll qualify again. Getting a pre-approval in place ensures you know what you can afford and eliminates surprises later. On top of that, reviewing the terms of your existing mortgage could uncover options you may not have considered. For example, porting your mortgage instead of arranging a brand-new one could save you thousands. Selling Without Buying Even if you aren’t planning to buy right away, there’s still an important step: understanding the cost of breaking your mortgage. Unless your mortgage is open, penalties apply—and they can be significant. By reviewing the numbers with a mortgage professional, you might find that simply adjusting your timeline could reduce or even avoid costly fees. Navigating Life Changes In situations like a marital breakdown, it can feel like selling the family home is the only path forward. But that’s not always the case. With the right guidance and a legal separation agreement, one spouse may be able to buy out the other, keeping the home and providing stability for everyone involved. The Bottom Line Selling your property is more than just putting a sign on the lawn—it’s about creating a financial plan that protects your equity and positions you for the best possible outcome. Before you take the leap, let’s sit down and review your options. 📞 If you’re ready to talk strategy and make sure you get top dollar for your property, I’d be happy to connect anytime.

Deposit vs. Down Payment: Key Differences for Homebuyers

By Hummingbird Mortgages • June 3, 2026
When you’re buying a home, two terms often cause confusion: deposit and down payment . While they’re related, they serve very different purposes in the homebuying process. Here’s what you need to know. What Is a Deposit? A deposit is the money you provide when you make an offer on a property. Think of it as a show of good faith that proves you’re serious about purchasing. How it works : Typically, you provide a certified cheque or bank draft that your real estate brokerage holds in trust. If your offer is accepted, the deposit remains in trust until the deal moves forward. If negotiations fall through, the deposit is refunded. Connection to your down payment : Once the sale is finalized, your deposit becomes part of your total down payment. Why it matters : The amount is negotiable, but a larger deposit can make your offer more attractive in a competitive market. Keep in mind, however, that if you back out after conditions are removed, you risk losing your deposit. What Is a Down Payment? Your down payment is the amount you contribute toward the purchase price of your home when securing a mortgage. Minimum requirement : In Canada, the minimum down payment is 5% of the home’s purchase price. Anything less than 20% requires mortgage default insurance. Sources : Down payments can come from your savings, the sale of another property, RRSP withdrawals (through the Home Buyers’ Plan), a gift from family, or even borrowed funds. Example: How They Work Together Imagine you’re buying a $400,000 home with a 10% down payment ($40,000). When you make your offer, you provide a $10,000 deposit . Once conditions are met, that deposit is transferred to your lawyer’s trust account. At closing, you add the remaining $30,000 to complete your full down payment. The lender provides the rest—$360,000—through your mortgage. The Bottom Line Your deposit shows commitment and secures your offer, while your down payment is what makes the mortgage possible. Together, they work hand in hand to get you into your new home. 📞 If you’d like clarity on deposits, down payments, or any other part of the mortgage process, let’s connect. I’d be happy to walk you through it step by step.

RRSP Home Buyers’ Plan Explained: A Smart Way to Buy Your First Home

By Hummingbird Mortgages • May 27, 2026
Saving for a down payment is one of the biggest challenges first-time buyers face. What many don’t realize is that the Canadian government offers a program designed to make it easier—the Home Buyers’ Plan (HBP) . This program allows you to withdraw money from your RRSP to help purchase your first home, without immediate tax consequences. Here’s how it works: Who Qualifies? To be eligible, you generally need to be a first-time home buyer. In practical terms, this means you must not have owned a home in the past four years, nor lived in a property owned by your spouse or partner during that time. There are also special allowances if you’re living with a disability or helping a relative with a disability. In these cases, you can use the HBP even if you’ve owned a home more recently. How Much Can You Withdraw? Under the program, you can access up to $35,000 from your RRSP as an individual. Couples can combine their withdrawals for a total of $70,000 . These funds must have been in your RRSP for at least 90 days before you take them out. Paying It Back The HBP isn’t “free money”—it’s an interest-free loan from your own retirement savings. You’ll have 15 years to repay the full amount back into your RRSP, starting in the second year after withdrawal. Each year, the CRA will send you an HBP Statement of Account outlining how much needs to be repaid. If you don’t make your repayment in a given year, that amount will be added to your taxable income. Why It’s a Smart Strategy The HBP can give first-time buyers a powerful boost toward homeownership. It helps you put together a larger down payment, which can reduce your mortgage amount and monthly payments. Just remember: it’s important to balance the short-term benefit of homeownership with the long-term impact on your retirement savings. Next Steps Thinking about using the Home Buyers’ Plan? Let’s sit down and review whether it’s the right move for you. Together, we can create a strategy that gets you into your first home while keeping your future financial goals on track. 📞 Reach out anytime—it would be a pleasure to guide you through the process.

Let’s Talk About Getting Top Dollar for Your Property

By Hummingbird Mortgages • May 20, 2026
When it comes to selling your home, most people think the first call should be to a real estate agent. But the smartest first step often isn’t with your agent—it’s with an independent mortgage professional. Why? Because your mortgage plays a bigger role in your bottom line than most people realize. Planning to Buy After You Sell If selling means you’ll also be purchasing another property, you’ll want to know exactly where you stand financially before listing. Mortgage rules change regularly, and qualifying once doesn’t guarantee you’ll qualify again. Getting a pre-approval in place ensures you know what you can afford and eliminates surprises later. On top of that, reviewing the terms of your existing mortgage could uncover options you may not have considered. For example, porting your mortgage instead of arranging a brand-new one could save you thousands. Selling Without Buying Even if you aren’t planning to buy right away, there’s still an important step: understanding the cost of breaking your mortgage. Unless your mortgage is open, penalties apply—and they can be significant. By reviewing the numbers with a mortgage professional, you might find that simply adjusting your timeline could reduce or even avoid costly fees. Navigating Life Changes In situations like a marital breakdown, it can feel like selling the family home is the only path forward. But that’s not always the case. With the right guidance and a legal separation agreement, one spouse may be able to buy out the other, keeping the home and providing stability for everyone involved. The Bottom Line Selling your property is more than just putting a sign on the lawn—it’s about creating a financial plan that protects your equity and positions you for the best possible outcome. Before you take the leap, let’s sit down and review your options. 📞 If you’re ready to talk strategy and make sure you get top dollar for your property, I’d be happy to connect anytime.
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