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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Go ahead and schedule a meeting with me!

Mortgage articles to keep you informed.

Employment and Mortgage Qualification: What Lenders Look For

By Hummingbird Mortgages • June 17, 2026
When you apply for a mortgage, your employment history and status carry a lot of weight. Even if you feel secure in your job, lenders need proof that your income is reliable and will continue. To them, your employment status is one of the strongest indicators of whether you can make your mortgage payments long term. Here’s how lenders typically view different employment situations: Permanent Employment This is the gold standard. Once you’ve passed any probationary period and hold permanent status, lenders see you as a lower risk. It shows that your employer is committed to you, and your income is steady. Probationary Periods If you’re still on probation—usually 3 to 6 months, though sometimes longer—lenders may hesitate. That’s because your employer can end your contract without cause during this period. Once probation is over, you’re considered more secure. That said, context matters. If you’ve worked with the same company for years as a contractor and just transitioned into full-time employment, lenders may accept a letter from your employer confirming that probation is waived. Documentation is key here. Parental Leave Being on or about to take parental leave doesn’t mean you can’t qualify for a mortgage. As long as you have a letter from your employer guaranteeing your position and return-to-work date, lenders can use your regular salary—not your leave income—when assessing your application. Term Contracts This is one of the trickiest categories. Even highly skilled professionals with strong incomes can face challenges here. A term contract has a start and end date, which makes lenders question the stability of your future income. To use term-contract income, lenders generally want to see at least two years of history, or proof that your contract has already been renewed. The more evidence you can show of consistent employment, the stronger your case will be. The Bottom Line If you’re planning to apply for a mortgage, it’s important to understand how your employment status could affect your approval. Whether you’re starting a new job, coming back from leave, or working under contract, lenders want documentation that proves your income is reliable. 📞 If you’ve recently changed jobs or are planning a career shift, let’s connect. I can help you prepare your file so you qualify with confidence and avoid surprises in the approval process.

Bank of Canada Holds Rate at 2.25% — June 10, 2026

By Hummingbird Mortgages • June 10, 2026
The Bank of Canada announced today that it is maintaining its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. For Canadian homeowners, buyers, and anyone with a mortgage on the horizon — here's what you need to know.

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.

Employment and Mortgage Qualification: What Lenders Look For

By Hummingbird Mortgages • June 17, 2026
When you apply for a mortgage, your employment history and status carry a lot of weight. Even if you feel secure in your job, lenders need proof that your income is reliable and will continue. To them, your employment status is one of the strongest indicators of whether you can make your mortgage payments long term. Here’s how lenders typically view different employment situations: Permanent Employment This is the gold standard. Once you’ve passed any probationary period and hold permanent status, lenders see you as a lower risk. It shows that your employer is committed to you, and your income is steady. Probationary Periods If you’re still on probation—usually 3 to 6 months, though sometimes longer—lenders may hesitate. That’s because your employer can end your contract without cause during this period. Once probation is over, you’re considered more secure. That said, context matters. If you’ve worked with the same company for years as a contractor and just transitioned into full-time employment, lenders may accept a letter from your employer confirming that probation is waived. Documentation is key here. Parental Leave Being on or about to take parental leave doesn’t mean you can’t qualify for a mortgage. As long as you have a letter from your employer guaranteeing your position and return-to-work date, lenders can use your regular salary—not your leave income—when assessing your application. Term Contracts This is one of the trickiest categories. Even highly skilled professionals with strong incomes can face challenges here. A term contract has a start and end date, which makes lenders question the stability of your future income. To use term-contract income, lenders generally want to see at least two years of history, or proof that your contract has already been renewed. The more evidence you can show of consistent employment, the stronger your case will be. The Bottom Line If you’re planning to apply for a mortgage, it’s important to understand how your employment status could affect your approval. Whether you’re starting a new job, coming back from leave, or working under contract, lenders want documentation that proves your income is reliable. 📞 If you’ve recently changed jobs or are planning a career shift, let’s connect. I can help you prepare your file so you qualify with confidence and avoid surprises in the approval process.

Bank of Canada Holds Rate at 2.25% — June 10, 2026

By Hummingbird Mortgages • June 10, 2026
The Bank of Canada announced today that it is maintaining its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. For Canadian homeowners, buyers, and anyone with a mortgage on the horizon — here's what you need to know.

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.
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