Why trust me?

We’re the leaders in creating affordable mortgages that fit every budget.

About Me

As a graduate of HEC Montreal with a background in accounting, I’ve spent about 20 years teaching and practicing in the industry. My passion has always been to align my financial expertise with the thriving real estate sector. To ensure my clients’ needs are met comprehensively, I collaborate with them from start to finish, providing unwavering support, advice, and guidance while keeping their interests at the forefront.

Leveraging my accounting background, I offer a professional, prompt, and stress-free service. Yet, the true measure of success, for me, lies in the satisfaction of helping clients secure the best rates and mortgage products for their dream home purchases. Assisting clients with their finances remains my primary motivation.

For those residing in the greater Montreal Area, I am available for personalized consultations to craft a tailored strategy for acquiring the property of your dreams. I look forward to the opportunity to meet with you.

What is my role as a broker?

If you’re seeking a residential or commercial loan for property purchase or refinancing, considering working with a mortgage broker is a wise choice. A mortgage broker acts as an intermediary between you and lenders. Here are some advantages of engaging a mortgage broker and the steps involved in the mortgage approval process with a broker.

Advantages of Using a Mortgage Broker:

Time and Effort Savings

A broker can save you time by searching for the best rates and conditions from multiple lenders.

Access to an Extensive Network

Brokers have access to a broad network of lenders, including non-bank financial institutions and private lenders, expanding your financing options.

Personalized Advice

Brokers can compare different loan products to find the one that best suits your needs and objectives.

Credit Repair Assistance

Brokers are trained to analyze, improve and correct credit bureau errors. They can provide a detailed plan to rectify credit issues and estimate the time needed to bring it to acceptable levels for traditional lenders, usually above 650.

NO cost if credit score is above 650

Our services are covered by the lender in most cases. They pay us a commission or percentage of the mortgage amount, usually 1% -1.2%. However, we may charge our fees of 1%-1.5% on the financed amount in certain circumstances. In those cases, we will advise the client and get your signed agreement prior to any work.

How It Works

Step 1

Initial Discussion

Contact the broker to discuss your financial needs and goals. The broker will explain their services, associated fees, and expectations. If the loan is funded by a conventional lender, the lender pays the broker's commission. The client pays broker fees if financing is provided by a commercial, an alternative or private lender.

Step 2

Application and Documents

Complete the mortgage application and provide necessary documents, such as proof of income, tax returns, investment, and savings account statements, etc.

Step 3

Lender Analyst Review

The broker submits your file to the lender's analyst for risk assessment. Additional documents may be requested.

Step 4

Conditional Commitment

The lender issues a conditional commitment letter, detailing the terms and conditions of the loan.

Step 5

Preparation for Closing

Satisfy loan conditions with the broker's assistance.

Step 6

Closing

Sign final documents and receive funds or the keys to your home at the notary. The broker ensures the smooth progress of the entire process.

If you’re considering a residential or commercial loan, contact us today. We can help you find the best option for your financial needs and objectives.

Want to Schedule an Appointment?

Contact me today to insure achieving your real estate projects.