Our People

Dennis Petersen Patricia Kirkham Judy Conrad Susan Ludwig Bonnie Liu
Subhash Manro Dave Hill Trisha Argotoff David Cooke William (Bill) Divall
Julie Chaytor Christine Mandryk Vicki Love Rachna Sharma
Greg Gullekson Darren Gilbert Dave Love Garry Petersen

All of the mortgage professionals working at Dominion Lending Centres Westcor have extensive experience in the mortgage and financial services industry. For example, both Dennis Petersen and Patricia Kirkham have over three decades of experience in finance and mortgage brokering!

All of our mortgage professionals have experience that helps them create customized mortgage products for customers in every walk of life. No matter what financial or personal situation you are in – whether you own a home already, are a single parent, need assistance with debt consolidation, or if you are purchasing a home for the first time – we can help!




Dennis Petersen
Manager, Senior Mortgage Broker
Phone: 403-270-1552
Email: dpetersen@westcormortgage.com
Website: www.dennispetersen.ca
Learn more about Dennis

Dennis Petersen

As Senior Mortgage Broker and Manager of Dominion Lending Centres Westcor, Dennis Petersen is a true pioneer of mortgage brokering in Alberta. Dennis effectively understands the unique challenges facing client’s and is able to determine the perfect mortgage solution. With an abundance of niche knowledge and specialized lender contacts, Dennis has become an expert at streamlining the mortgage process. His expertise ensures that client’s experience the best service encounter while keeping their financial goals top-of-mind .

Providing mentorship to over 20 mortgage Associates, Dennis strives to ensure all clients receive the best mortgage solution catered to their unique needs. Through his guidance, Dominion Lending Centres Westcor’s vision of offering clients the best rates, superior products and quality customer experiences are achieved.

Contact

Phone: 403-270-1552
Email: dpetersen@westcormortgage.com
Website: www.dennispetersen.ca



Patricia Kirkham
Broker of Record, Senior Mortgage Broker
Phone: 403-270-1551
Mobile: 403-703-8578
Fax: 403-228-7101
Email: pkirkham@westcormortgage.com
Website: www.patriciakirkham.ca
Learn more about Patricia

Patricia Kirkham

As Senior Mortgage Broker and Broker of Record, Patricia Kirkham is a true knowledge-leader for the Canadian mortgage and brokerage industry. The mortgage landscape can be challenging for even the most seasoned client, yet Patricia’s dedicated focus on customer service enables her to provide an effortless experience. As a result, her loyalty and creative problem solving have created many satisfied clients over the years. Overall, Patricia’s leadership allows Dominion Lending Centres Westcor to provide customers with committed working relationships and desirable financial results.

Launching her career in 1974 with the Royal Bank of Canada, Patricia’s expertise allowed her to develop into a Business Account Manager and later on; Manager of Personal Banking. As this chapter came to an end, Patricia’s journey with Dominion Lending Centres Westcor began.

Starting with a consulting position, Patricia has been able to develop a vast amount of knowledge, making her a valued team member. As an accredited mortgage professional (AMP) with more than two decades of experience, Patricia specializes in business development, sales, marketing, and residential mortgage financing.

Contact

Phone: 403-270-1551
Mobile: 403-703-8578
Fax: 403-228-7101
Email: pkirkham@westcormortgage.com
Website: www.patriciakirkham.ca



Susan Ludwig
Mortgage Associate
Phone: 403-270-1563
Fax: 403-228-7101
Email: sludwig@westcormortgage.com
Website: www.susanludwig.ca
Learn more about Susan

Susan Ludwig

With independent strength and unparalleled tenacity, Susan Ludwig knows how to instill confidence in all of her clients – understanding their needs, and providing expertise thoroughly and professionally every time.

Susan has been working in the mortgage industry for over 25 years, 12 of those as a member of the Dominion Lending Centres Westcor team. A transplant from Ontario, Susan moved to Calgary in 1978, and worked with Dennis Petersen at Dominion Lending Centres Westcor for 10 years before moving on to gain new experiences. After working for several different companies over the years, including owning her own business in the mortgage industry, Susan returned to Dominion Lending Centres Westcor in 2007 at Dennis’ request.

Susan is an accomplished ‘funder’, successfully negotiating mortgage transactions with the many lenders our company has access to. Her positive attitude, open-minded approach to business, and finely tuned organizational skills continue to help many of her clients achieve all of their mortgage and financing needs.

Contact

Phone: 403-270-1563
Fax: 403-228-7101
Email: sludwig@westcormortgage.com
Website: www.susanludwig.ca



Rachna Sharma
Mortgage Advisor
Tel: 403-619-5905
Fax: 403-770-8137
Website: www.rachnasharma.ca
Learn more about Rachna

Rachna Sharma

Rachna brings an uncommon level of expertise to her
mortgage clients with over 15 years experience with a
major financial institution. Her exceptional knowledge
and belief in doing what is best for her clients has
led to a strong following of repeat clients making
her one of the top producing mortgage specialists
in the country.

Clients recognize her sincerity in meeting their needs
through unbiased advice. She is one to get caught
up in the excitement of her clients as they anticipate
their new home purchase or when arranging financing
for other important goals. She is also recognized for her
tenacity in delivering outstanding client service where
people have felt she could not do enough for them.
This level of commitment extends to being available
at times that go well beyond the ordinary. For Rachna,
there is truth in her passion for assisting others as they
build a solid financial foundation.

You know that selecting the right property is essential
and so is getting trusted advice on the best financing
to make it a reality. Put Rachna’s experience and proven
record as a top performing mortgage expert to work for you.

Contact

Phone: 403-619-5905
Fax: 403-770-8137
Email: mortgage@rachna.ca
Website: www.rachnasharma.ca



Dave Hill
AMP Mortgage Professional
Phone: 403-270-1570
Mobile: 403-607-3571
Fax: 403-228-7101
Email: dhill@westcormortgage.com
Website: www.davehillmortgage.ca
Learn more about Dave

Dave Hill

Dave Hill has a personal and unique perspective for dealing with the challenges facing all of us when applying for a mortgage — a process that can be both emotional and stressful.

A graduate of ACAD (Alberta College of Art and Design) in Applied Arts, Dave has worked for various advertising and design firms over the years as the Art/Creative Director. From 1976 to 2004, he moved on to become President of Hill, Miller, and Hutchins Communications (later known as Hill & Associates Design Group), providing public relations and marketing services for the real estate and oil and gas industries. In conjunction with this, he also started Belmont Grey Development Corporation, a real estate investment and development company. Dave joined Dominion Lending Centres Westcor in 2004 and within two years received his accreditation from the Canadian Association of Accredited Mortgage Professionals (CAAMP).

Now, with six years in mortgage brokering, and more than 25 years of experience in real estate investment and development to draw from, Dave is committed to streamlining the mortgage procedure. Through a thorough understanding of financial and personal needs, to identifying the mortgage lender and product that best suits their specific needs, he works side by side with his clients to make sure they get approved.

Contact

Phone: 403-270-1570
Mobile: 403-607-3571
Fax: 403-228-7101
Email: dhill@westcormortgage.com
Website: www.davehillmortgage.ca



William (Bill) Divall
Mortgage Associate
Phone: 403-860-9143 (Calgary & Area)
Fax: 403-291-0528
Email: bdivall@westcormortgage.com
Website: www.billdivall.ca
Learn more about William

William (Bill) Divall

With over 30 years of business experience in the Calgary market. I am pleased to join Dominion Lending Centers Westcor as a mortgage professional. It is my job to find the best mortgage that fits all your needs and make the experience as easy, friendly and quick as possible. Prequalifying for a mortgage takes away most of the stress and lets you know exactly where you stand before purchasing a home or vacation property.

Alberta has always enjoyed and, will in the future a robust and thriving economy . Myself and all the professionals at Dominion Lending Centers Westcor will always be there to help all clients with their funding needs. WE TURN CLIENTS INTO FRIENDS.

Contact

Phone: 403-860-9143
Fax: 403-291-0528
Email: bdivall@westcornortgae.com
Website: www.billdivall.ca



Subhash Manro
Commercial/Residential Mortgage Associate
Phone: 403-270-1564
Mobile: 403 667-3067
Fax: 403-228-7101
Email: smanro@westcormortgage.com
Website: www.subhashmanro.ca
Learn more about Subhash

Subhash Manro

Subhash Manro has a gift for making people feel at ease. An expert in the field of business and corporate financing, Subhash specializes in first mortgages on new and existing homes, refinancing, equity loans, and debt consolidation.

With an economics degree and as a chartered member of the British Institute of Bankers, Subhash worked for various banks in Kenya, Zambia, and England prior to coming to Canada in 1976. From there, he worked as Senior Manager Loans for the Business Development Bank of Canada (formerly the Federal Business Development Bank), and joined Dominion Lending Centres Westcor after retiring from that position in 2001. During his tenure there, Subhash was involved in numerous business loans in virtually every industry, ranging from manufacturing, retail, hospitality, land, and real estate development, to high technology and oil and gas. In addition to this, Subhash was also involved in various facets of financing (e.g., conventional loans, mezzanine financing, equity, and subordinated debt), and also gained extensive experience in debt collection and consolidation, realization, and financial workouts.

At Dominion Lending Centres Westcor, Subhash is primarily involved in commercial financing, drawing from a far-reaching network of local bankers and private lenders/investors. From start-ups and expansions, to diversifying, leveraging and management buy-outs, he is able to undertake projects at any stage of development.

Contact

Phone: 403-270-1564
Mobile: 403 667-3067
Fax: 403-228-7101
Email: smanro@westcormortgage.com
Website: www.subhashmanro.ca



Judy Conrad
AMP Mortgage Planner & Team Leader
Mobile: 403-804-4423 (Calgary)
Fax: 1-866-225-2349
Email: jconrad@dominionlending.ca
Website: www.judyconrad.ca
Learn more about Judy

Judy Conrad

As an Accredited Mortgage Professional (AMP), Judy Conrad has the industry expertise and extensive lender sources to provide you with the most comprehensive financing solutions. AMPs are held to a higher standard through continued education and ethical practices. You can be confident that Judy Conrad will put your best interests first, always. Working with you at whatever hour is most convenient for you, Judy Conrad is committed to finding the lowest overall cost and most flexible solution that meets your current and future financial needs.

A mortgage is the largest investment most of us Canadians will make in our lifetime. Typically, it is also the least managed “good debt” in our portfolio. In a real estate transaction, there are a lot of options for who you may choose to work with, including mortgage brokers, banks, realtors, financial advisors, appraisers, lawyers, and home inspectors. Judy Conrad has an industry-savvy team of professionals who share her strict moral compass and long-term commitment to you.

Raised in Calgary, Alberta, Judy Conrad has been an entrepreneur since 1988, first as a co-owner and managing partner of a software development and consulting company in Toronto. Her can-do enthusiasm shifted to being a mortgage associate in 2003. As a team founder and leader since 2005, Judy Conrad’s mentoring skills continue to support the growth of their businesses too. Personally, she is kept well-grounded by a loving husband (since 1986) and three children. Also dear to Judy Conrad’s heart is her volunteer work for her church and other non-profit organizations.

There’s a saying, “A stranger is just a friend you haven’t met yet”. You may not have met Judy Conrad yet, but a circle of professional friends that includes her is a network worth building. She’s dedicated to saving you money on your mortgage and/or Home Equity Line of Credit (HELOC). Judy Conrad is on your side, not the banks, helping keep your cost of borrowing as low as possible over the life of your mortgage. Her professional services are FREE in most cases, except for only the most challenging credit situations.

Put Judy Conrad’s extensive mortgage, technical, and business experience to work for you today! Confidential, independent, trusted advice is just a phone call or email away.
•Accredited Mortgage Professional (AMP) Designation from CAAMP.
•Licensed by the Real Estate Council of Alberta (RECA).
•Member of the Canadian Association of Accredited Mortgage Professionals (CAAMP).
•Bachelor of Science (B.Sc.) in Computer Science, University of Calgary.

Contact

Mobile: 403-804-4423 (Calgary)
Fax: 1-866-225-2349
Email:jconrad@dominionlending.ca
Website: www.judyconrad.ca



Garry Petersen
Mortgage Associate
Toll free:1800 213 9996
Phone: 403-270-1554 (Calgary & Area)
Fax: 403 228-7101
Email: gpetersen@dominionlending.ca
Website: www.garrypetersen.ca
Learn more about Garry

Garry Petersen

Garry Petersen has a very innovative approach to both residential and commercial mortgage approvals. Many have stated: “If Garry cannot get a mortgage for you ­ no one can”.

At Dominion Lending Centres Westcor, Garry does a large volume of residential mortgaging but also enjoys the commercial mortgage field from complicated start up¹s and expansions to completion mortgages. He has a vast network of bankers, private lenders and investors. Present the deal and he will get it approved!

Garry also does a large amount of brokering for those clients that were unable to obtain funding from their own resources and Garry loves the challenge. He has been with Westcor for 31 years and previously was a manager for Trans Canada Credit (Traders Group). His education also includes 2 years of pre-law at Mount Royal University.

Contact

Toll free:1800 213 9996
Phone: 403-270-1554
Fax: 403 228-7101
Email: gpetersen@dominionlending.ca
Website: www.garrypetersen.ca



Trisha Argotoff
Mortgage Associate
Phone: (587) 897-2336
Fax:1-866-642-8098
Email: targotoff@westcormortgage.com
Website: www.trishaargotoff.ca
Learn more about Trisha

Trisha Argotoff

Born and raised in the Calgary area with over 5 years of experience as a Mortgage Associate, I have the experience and resources you are looking for. Honesty and Integrity are number one when you are dealing with your largest asset, your home. I ensure that my clients, whether purchasing, renewing or refinancing, receive the best mortgage plan that suits their needs. I believe that you need someone who will educate you on the entire mortgage process along with the different options, so you can feel that you made an informed decision on what is right for you and your family. And because we don’t work “banker’s hours”, I meet you on when it is convenient for you which means no need to take time off work.

When I am not working, I am spending time with my two beautiful daughters and wonderful husband. I love to ski, bike, run, and especially love to travel. Recently moving to High River, I love the small town community feel with only a short drive to Calgary.

I look forward to meeting with you and help you find the best solutions for you and your family.

Contact

Trisha Argotoff, Mortgage Associate
Phone: (587) 897-2336
Fax:1-866-642-8098
Email: targotoff@westcormortgage.com
Website: www.trishaargotoff.ca



Dave Love
Mortgage Associate
Phone: 403-829-7529
Email: dave.love@westcormortgage.com
Website: www.davelovemortgages.com
Learn more about Dave

Dave Love

I have a passion for helping the people I work with. This shows in all the
things that I do, from my family, to my friends, to the people I work with
and work for. My goal will always be to help you achieve your dreams. My
wife and I worked with a Mortgage Associate when we bought our first home,
and that person was the difference between getting our house and not. I
would love to be that person for you.

I have been active in the Calgary sports world for over 10 year now,
running
youth basketball shooting clinics, working with College and University
players, and even working with a few NBA players to improve their shooting.
I will bring the same level of energy and passion to helping you as I do to
helping the world-class basketball players that I work with.

I love Calgary and won’t move. It is a great city, with wonderful people
and my family loves it here too. When I’m not working you’ll find me in a
gym, on a running path, or on a golf course.

Contact

Phone: 403-829-7529
Email: dave.love@westcormortgage.com
Website: www.davelovemortgages.com



Vicki Love
Mortgage Professional
Mobile: 403-889-2030
Phone: 1-855-889-2030
Fax: 1-866-910-2335
Email: vlove@westcormortgage.com
Website: www.vickilove.ca
Learn more about Vicki

Vicki Love

As an accredited mortgage professional with Dominion Lending Centres Westcor it’s my job to strategize with you to help you achieve your dreams.

Finding a great mortgage can be stressful and time-consuming.

Finding the right mortgage for you is my business. Mortgage agents know which lenders have the best rates and negotiate with multiple lenders at one time. What’s more, a professional mortgage agent knows the system and has the industry knowledge required to present a proposal for financing to lenders to successfully obtain mortgage financing, and takes care of all the paperwork. Plus, Dominion Lending Centres Westcor Professionals are compensated by the lenders, and in most cases we offer our services free of charge to our clients.

As a mortgage agent and accredited mortgage professional I focus on helping people live their dream lifestyle whether it’s living in their first home, last home, doing renovations to their home, upsizing or downsizing, using their home equity to start a business, have a vacation property, rental property, pay for tuition for a career change, eliminate some debt or even refinance for a better rate or more flexible options.

Tell me what your dream lifestyle is and I’ll make every effort to help you make them come true!

Contact

Mobile: 403-889-2030
Phone: 1-855-889-2030
Fax: 1-866-910-2335
Email: vlove@westcormortgage.com
Website: www.vickilove.ca



Bonnie Liu
AMP Senior Mortgage Professional
Phone: 403-669-9999 (Calgary & area)
Phone: 780-328-3035 (Northern Alberta)
Phone: 604-210-4466 (British Columbia)
Toll free: 1-888-409-0158
Fax: 403-281-8853
Email: bonnieliu@shaw.ca
Website: www.hellobonnie.com
Learn more about Bonnie

Bonnie Liu

Bonnie Lui has been a licensed mortgage associate for several years. She began mortgage brokering because she really enjoys making a difference in peoples’ lives while they’re pursuing one of the largest financial decisions of their lives. She enjoys the one-on-one interaction and the satisfaction of helping make her clients’ home dreams a reality.

Bonnie holds multiple degrees, including one each in engineering, mechanical engineering and international economics. She worked in this field for more than 10 years prior to entering the Canadian mortgage brokering landscape. Bonnie’s past endeavors also include a career as real estate agent and owning a small investments firm.

Bonnie’s vast financial knowledge base in real estate and investments made for an easy transition to mortgage brokering.

Contact

Phone: 403-669-9999 (Calgary & area)
Phone: 780-328-3035 (Northern Alberta)
Phone: 604-210-4466 (British Columbia)
Toll free: 1-888-409-0158
Fax: 403-281-8853
Email: bonnieliu@shaw.ca
Website: www.hellobonnie.com



Greg Gullekson
Mortgage Associate
Cell: 403-669-5553
Phone: 403-244-9133
Fax: 403-209-2731
Email: gmgull@telus.net
Website: www.greggullekson.ca
Learn more about Greg

Greg Gullekson

Greg Gullekson was educated at the University of Saskatchewan and has his Bachelor of Commerce and Certified Management Accountant designation. Greg has over 30 years experience in the Finance sector and 20 years experience in senior management positions in the Oil & Gas sector. Greg has been a mortgage associate since 2002.

I have advanced marketing sales and relations development skills for current and prospective customers. I am a well organized individual and a strong negotiator with good knowledge of best practice and management theories. As the BDM of Dominion Lending Centres Westcor my position is to make our organization successful and provide outstanding service to our clients.

You may already know the advantage of working with a mortgage associate: the ability to survey the marketplace for a mortgage product which specifically matches your needs. What sets Greg apart from others in the industry is the personal level of service he provides his clients. Real estate transactions rarely occur in a 9 to 5 timeframe. Greg is available at the convenience of his clients.

Buying a home is the most significant purchase and financing decision you will ever make. Working with Greg ensures that you have surveyed the marketplace and received independent professional advice on your mortgage options. Access to multiple lenders can also make the difference in getting your financing done. Not all lenders have the same guidelines. A file declined by one lender may be acceptable to another, or meet the qualifications of niche product unique to that lender.

Greg’s job does not end with the funding of your mortgage. Greg maintains the relationship throughout your mortgage term. He is always available to answer questions or address concerns with your lender. Exceeding client expectations has allowed Greg to build a success business strictly through referrals.

Contact

Cell: 403-669-5553
Phone: 403-244-9133
Fax: 403-209-2731
Email: gmgull@telus.net
Website: www.greggullekson.ca



David Cooke
Mortgage Professional
Mobile: 403-836-1201 (Calgary & Area)
Fax (Toll Free): 1-855-229-7101
Email: dcooke@westcormortgage.com
Website: www.davidcooke.ca
Learn more about David

David Cooke

“I make dreams come true and nightmares go away” says David Cooke” For many people, buying a home or an investment property will be the largest purchase they make in their lives. This can be a very stressful and frustrating time. “ With his 27 years of business and education experience David takes the anxiety out of first time home buying. “ I taught adult education for many years and I see educating my clients on the ins and out of home financing as being an extension of that calling. “

In addition to home purchases, David has helped many clients to refinance their homes to pay off their debts or to increase cash flow. “ Sometimes people come to me in tears because they are over

Their heads in debt. It feels so good to see the look of relief when I can help them to get control of their finances. “ says David

“ Calgary is a busy city with people working crazy hours. I try to help people out by making myself available to meet them at lunch or in the evenings. Oil execs and professionals really appreciate this as their time is so limited. If you want to save time, and your credit score call me . My services are free to you the client. “ comments David .
David Cooke is one of the few Calgary mortgage brokers who speaks both English and French.

Contact

Mobile: 403-836-1201
Fax (Toll Free): 1-855-229-7101
Email: dcooke@westcormortgage.com
Website: www.davidcooke.ca



Julie Chaytor
Mortgage Associate
Phone: 780-790-6688
Mobile: 780-788-9698
Toll free fax: 1-800-213-9996
Fax: 780-790-6672
Email: jchaytor@dominionlending.ca
Website: www.juliechaytor.ca
Learn more about Julie

Julie Chaytor

I have been a resident of Fort McMurray for 12 years and have great knowledge of the market here and believe strongly in the benefits of home ownership.

I have a strong business back ground and take great pride in providing my clients with exceptional customer service.

Educating my clients and shopping wisely, utilizing over 90 lenders offering various products, to ensure my clients receive the best mortgage to suit their current financial needs is a key focus for me.

I am available to assist you free of charge at any time and I will more than happy to work with you at your convenience. I look forward to speaking with you soon!

Contact

Phone: 780-790-6688
Mobile: 780-788-9698
Toll free fax: 1-800-213-9996
Fax: 780-790-6672
Email: jchaytor@dominionlending.ca
Website: www.juliechaytor.ca



Darren Gilbert
Mortgage Associate
Phone: 403-861-7996
Fax: 1-800-213-9996
Email: dgilbert@westcormortgage.com
Website: www.darrengilbert.ca
Learn more about Darren

Darren Gilbert

Darren’s passion for real estate began in Montreal when he was completing his degree in Economics and Political Science with a concentration in International Relations. He believes that buying smart, developing a property with strategic renovations and timing the market are the best ways to accumulate solid wealth. He has the ability to adjust and help plan for the long-term financial goals of his clients and also, the ability to move quickly and think outside the box for short-term lending solutions.

In 2003, Darren moved to the United States and was working with Edge Financial Services, a Mortgage Brokerage in Philadelphia. After 10 years in Calgary, he is now a proud Albertan and has been working as a Mortgage Associate in Calgary since 2008.

One of his most fulfilling experiences was working at an Alternative High School with ‘at risk youth’ for 6 years during his University days. This exposed him to many families faced with day-to-day financial and emotional difficulties. He very much understands that intense emotions can surround any mortgage transaction or home purchase. Working with clients to help them achieve their financial goals and dreams of home ownership gives him great reward.

Outside of his commitment to Dominion Lending Centres Westcor, Darren’s interests are music, food and wine. He can often be found out-and-about enjoying live music and dinning in the newest, trendiest restaurants around Calgary.

Contact

Phone: 403-861-7996
Fax: 1-800-213-9996
Email: dgilbert@westcormortgage.com
Website: www.darrengilbert.ca



Christine Mandryk
Mortgage Professional
Dominion Lending Centres Westcor

Edmonton Direct line 780-718-2303
Athabasca Direct line 780-675-3114
Fax:780-628-0916
Email: cmandryk@dominionlending.ca
Website: www.christinemandryk.ca
Learn more about Christine

Christine Mandrykl

I am a huge supporter of personal growth and sharing information. When I started my career as a mortgage broker 8 years ago I was amazed at how little mortgage information was available to help people understand the process. I was determined to share my new Mortgage knowledge with anyone who cared to listen. The feedback I got from my customers was very supportive and “who knew” comments. I’m always happy to help with mortgage finance questions, I pride myself on going that extra mile for my customers. I am proud to support Dominion Lending Centres – I’ve been with the company since the beginning of my career. DLC’s access to Lenders and quality training materials ensures that I have the latest and best information for my clients.

Contact

Edmonton Direct line 780-718-2303
Athabasca Direct line 780-675-3114
Fax:780-628-0916
Email: cmandryk@dominionlending.ca
Website: www.christinemandryk.ca

Dominion Lending Centres Westcor 114 1212 1st ST. SE, Calgary, Alberta. Phone: 403-228-7800. .