About Us

Your Home Mortgage Team

Victoria  –  Sidney  –  Salt Spring Island

Buying a home is one of the biggest decisions of your life, but it can also be one of the most financially beneficial!

With integrity, innovation, and professionalism, the Your Home Mortgage Team delivers exceptional personal service to you.

Whether you’re a first-time homebuyer, looking to grow your investments, or need more room for your growing family, we are committed to helping you get the right mortgage for your needs.

Our Mission...

We are mortgage professionals who love helping our clients get into homes.
We provide expert care and advice in every customer experience!

The Team...

Arlene Modderman, AMP

For some it is the thrill of jumping off of a plane, for other it is the delight of a symphony orchestra.

For Arlene it’s about using her positive outlook and can-do attitude to help others.

A native West-coaster she was born in Vancouver and moved to Victoria at a very young age.  A dedicated people and animal person, Arlene is amazed by the wild beauty and splendor of nature, treasures time spent with family and friends and loves exploring new destinations, near and far.

Weekends and holidays will often find her on an expedition with the rock and mineral club up in a mountain chipping away with her rock hammer, or enjoying a hike on a nearby beach.  A recent trip to Oregon yielded a bunch of geodes that are yet waiting to reveal their hidden treasures and the grandkids will be helping with that.

Historically always employed in a field that involved working directly with clients, her natural transition into the mortgage business happened after 12 successful years in the Victoria Real Estate market helping people find homes.  Now, having been on the financial side of the transaction for the past 20 years, Arlene has found her niche – she sees success in everything and enjoys taking the most challenging of client situations from a sometimes difficult beginning to a happy ending.

At the hub of the mortgage process  she and her mortgage partners research the appropriate lender opportunities, educate and advise, co-ordinate dates and documentation and provide confidence, hope and structure to an event that can begin for some with fear and apprehension of the unknown.

Assisting her clients with the dream of home ownership and then experiencing the excitement with them is Arlene’s greatest reward.  Topped off with a hug!

Carol Malloch, AMP

I was raised in Metchosin, and Hans Helgesen, my great grandfather was one of the first to settle there.

I attended Metchosin School, graduated from Dunsmuir Secondary, and shortly after, married and raised 4 children in Metchosin.

Life was busy with kids in hockey and baseball. I was a volunteer at
Triangle Little League for many years and did my share of keeping warm in the cold Sooke arena!

After working with my mom for 10 years in the family business at Hatley Park Florist, I joined the Mortgage Depot Team in 2001.

I have been a licensed broker here for ten years, first working hand in hand with one of our busiest brokers, and now working as part of Your Home Mortgage Team with Arlene Modderman and Jessica Slinger.

Gettng the best rate for my clients is only part of what I do.

Together we’ll explore all the optons and find the one that is best for you – every time!

I look forward to hearing from you!

Why Work With Us...


We leverage one another’s strengths and expertise to make sure your experience is responsive and efficient. Each member of our team work together to make sure every detail of your mortgage is addressed!


We are committed to upgrading our knowledge so that we can provide you with the most current information on regulations, trends, and innovations in the mortgage market. We are continually inspired by new ideas and put those ideas to work for you!

Customer Service

It’s not just about finding a mortgage – it is about helping people finance the homes of their dreams! We listen to your needs, we offer you smart advice, and we negotiate persistently on your behalf!

Your Home - Your Mortgage - Our Passion

The Team September 18, 2017