Steven Tulman

President & Mortgage Agent @Clover_Mortgage - specializing in Commercial & Residential Mortgages. Follow me 4 tips on #mortgages, #investing.

[Steven Tulman @StevenTulman]

We're grateful for the opportunity to help our clients secure the right financing solutions when timing matters most. Steven Crowe's commitment to professionalism, responsiveness, and personalized service continues to make a difference for our clients every day.

[Steven Tulman @StevenTulman]

In today's market, preparation is becoming a bigger advantage than timing. Knowing your budget, understanding your options, and having a financing strategy in place can make the home-buying process much smoother.
The buyers having the best experience are the ones who are prepared

[Steven Tulman @StevenTulman]

A client with multiple income streams thought qualifying would be difficult. We structured their application, highlighted their full financial picture, and matched them with the right lender.
The result? Approval and a path forward. This is why we do what we do. 🍀

[Steven Tulman @StevenTulman]

Most buyers focus on the down payment. Then closing costs show up.
Closing costs are the expenses required to finalize your home purchase—things like legal fees, title insurance, and adjustments. Budgeting for them early means fewer surprises later.

[Steven Tulman @StevenTulman]

Some mortgage files require creativity, and persistence.
We're proud that our team was able to guide this client through a complex journey, providing clear communication, personalized solutions, and support every step of the way. Congratulations and thank you for your kind words!

[Steven Tulman @StevenTulman]

Pre-approval gives you a clearer picture of what you can afford before you start house hunting.
It can strengthen your offer, set expectations, and help you shop with confidence instead of guessing.

[Steven Tulman @StevenTulman]

A client came to us unsure whether to lock in their mortgage rate or wait. Instead of guessing, we built a strategy around their goals and timing — helping them move forward with confidence.
Sometimes the best decision isn’t the lowest rate. It’s having the right strategy.

[Steven Tulman @StevenTulman]

☀️ Here’s to lake days, campfires, dock coffees, and a well-deserved reset.
Wishing everyone a safe, relaxing, and happy May 24 long weekend from all of us at Clover Mortgage 🍀🏡
Enjoy every moment of cottage season kickoff!

[Steven Tulman @StevenTulman]

Another happy client experience 🍀 Jess provided support, education, and clear communication throughout the entire mortgage process, helping make everything worry-free from start to finish. Thank you for choosing Clover Mortgage!

[Steven Tulman @StevenTulman]

A client came to us during a major transition and needed more than just a mortgage solution — they needed a clear plan. We helped them review their options, restructure financing, and create stability during an uncertain time.
Sometimes mortgage advice is about more than numbers.

[Steven Tulman @StevenTulman]

Your credit score tells lenders how reliable you are with borrowed money. A stronger score can improve your mortgage options and help you qualify for better rates. Small habits—like paying on time—can make a big difference over time.

[Steven Tulman @StevenTulman]

Home is where her love lives. From first steps to lifelong memories, moms make every house feel like home. Today we celebrate the strength, care, and warmth that turn spaces into something truly special.
Wishing all the amazing moms a day filled with love, and appreciation. 🏡💖

[Steven Tulman @StevenTulman]

A homeowner loved their location but had outgrown their space. Instead of moving, we used their home equity to fund renovations, keep a competitive mortgage, and create a home that fits their life today. Sometimes you don’t need a new home—just a smarter plan.

[Steven Tulman @StevenTulman]

Down payment = your upfront investment in a home.
In Canada, it can be as low as 5%, but putting more down can lower your payments and reduce added costs like insurance.
It’s not just about getting in—it shapes your entire mortgage.

[Steven Tulman @StevenTulman]

A smooth renewal makes all the difference. 🍀 Steven and Linda worked closely with this client to secure a lower rate and ensure a seamless process from start to finish—even navigating external challenges along the way. Thank you for trusting Clover Mortgage!

[Steven Tulman @StevenTulman]

A growing family came to us. They had outgrown their home but weren’t sure how to make the move work. With our strategy, we helped them leverage, structure financing, and coordinate timing for a transition into a home that truly fits
Sometimes the next step isn’t starting over

[Steven Tulman @StevenTulman]

Term = how long your interest rate is locked in.
Common terms are 1–5 years. At the end, you can renew, switch lenders, or pay off your mortgage. Your term shapes your flexibility and strategy—more than most people realize.

[Steven Tulman @StevenTulman]

❌ You should put down as much as possible
✅ The “best” down payment depends on your strategy.
Putting more down can lower your payment — but it can also:
• Reduce your cash reserves
• Limit flexibility for emergencies or opportunities
• Change your overall financial position

[Steven Tulman @StevenTulman]

Helping clients achieve what once felt impossible is what we do best. 🍀 Dayse guided this self-employed client through every step with care, confidence, and dedication. Congratulations on your new home and this incredible milestone!

[Steven Tulman @StevenTulman]

A client wanted to buy, but their credit profile needed work. Instead of rushing, we built a plan: ✔ Identified key improvements ✔ Set a realistic timeline ✔ Structured the application strategically
Months later, they qualified and secured their home. Strategy beats speed.