FAQ
Questions people ask before they start
Start my 2-minute Debt Payment Check
Cost, without a sales fog
People ask what it costs before they ask what it is. The quiz costs nothing. The debt assessment costs nothing. The written plan costs nothing. The rehab program costs nothing, now or later, and it is not tied to a future mortgage. I am paid by a lender only if a mortgage funds, and that amount is disclosed to you in writing before you decide.
A new mortgage can still be expensive in a different way. A lower monthly payment often means the debt stays longer, so you can pay more interest over the years and own less of the house. That is not a fee I hide. It is the trade-off written on the option pages. If a second mortgage or a private loan has lender or broker fees, those fees are disclosed before you sign. I do not publish fee schedules here because they are file-specific and easy to misuse in an ad.
If someone online promises a consolidation with no trade-off, close the tab. Every path that uses the home spends equity or time or both. Doing nothing also has a cost: the payments you already hate. The side-by-side is how we compare those costs in words, not in a slogan.
Credit checks and privacy
The quiz does not order a credit report. Telling me you were late last year is not the same as a bureau inquiry. When a real application needs a report, I say so first. You can stop before that point and still keep the written notes we already made.
Debt amounts from the quiz are not put in the page address, not sent to the ad pixel, and not sent to analytics. They go to the client file so I can prepare. That is the whole point of collecting them. Marketing tools get the fact that a lead happened, not the balances.
Email and text are separate consents. Texts, if you opt in, stay between 9 AM and 8 PM Pacific. You can opt out and I honour that at once. There is no automated drip on this offer. If I follow up, it is because we agreed to a date.
Behind, separated, or unsure
Being behind or in collections changes the starting point. A clean refinance is usually off the table until the story is stable. Private lending might be a bridge, with an exit plan, or the honest answer might be the rehab program and a trustee. Say it early. I would rather redesign the plan than discover it in a decline.
If you are separated, title and who pays which debt matters more than the argument about whose card it was. Bring what the land title and the statements say. We can sort the feelings on the call. The paperwork has to match the people who sign.
Not sure about the mortgage balance is allowed. The quiz will not dump you into not-a-fit for that. It flags the file. A statement answers it in one page.
How this site fits the other BRX sites
If you are 55 or older and the real question is how to stay in the house with no regular mortgage payment, the reverse mortgage pages on this site and the guide at reversemortgageguidebc.com are the deeper read. This site still welcomes you. Debt is the door. The reverse mortgage is one room.
I will not pretend one website replaces a lawyer, a tax advisor, or a trustee. Tax debt, family law, and insolvency have their own rules. I stay in the mortgage lane and I name the other lanes when we reach them.
If your question is not here, the quiz is still the fastest way to put it in front of me. Ten taps, then a conversation within one business day.
Questions that sound small and are not
People ask if they should pay the car off first or the card first while they wait for a mortgage conversation. I will not give you a universal order, because the car has an end date and the card may not. Bring both statements. A rule you found in a video is not a plan for your title.
People ask if a cosigner fixes a weak file. A cosigner is a person who can lose, not a sticker you add. I will not recruit your child into a mortgage so the month looks calmer. If a child wants to understand, the Family Conversation Call is for understanding, not for signing them into your debt.
People ask if moving to a cheaper town solves it. Selling is a real option and it belongs on the side-by-side. It is not something I push, and it is not something I mock. The written plan can show the month if you stay and the month if you sell, in words, without a fantasy price.
If you still want a person
The list above is the public version. Your file will be more specific, and that is what the quiz is for.
What this is not. I am a mortgage broker. I do not negotiate with your creditors. I am not a credit counsellor and BRX Mortgage Inc. is not a debt settlement company.
Questions on this page
Is the assessment actually free?
Yes. The assessment, the written plan, and the Credit Rehabilitation Program cost you nothing. A later mortgage, if you choose one, is a separate decision with its own costs disclosed in writing.
Do you describe the phone conversation as free?
No. The assessment is free. The conversation is simply the work. I call back within one business day.
Do you negotiate with my creditors?
No. I am a mortgage broker. I do not settle debts and I do not run a counselling program. I can point you to non-profit credit counselling or a Licensed Insolvency Trustee.
What if my spouse is not sure?
The youngest owner on title matters for a reverse mortgage. For every other option, both people on title usually need to understand the plan. We can do that by phone or video.
Where do the BC debt figures come from?
The only public average I cite is Equifax Canada for the second quarter of 2026: $23,558 of non-mortgage debt per consumer in BC, $24,507 in Vancouver, and $22,699 for Canada. It is not your number.